Your ING debit card is set to 'world’ by default. That means you won't have to change any settings when you travel outside Europe. Talk about convenient!
On the old ING debit cards, you’ll find a Maestro logo or a V PAY logo. With these Maestro or V PAY debit cards, you can withdraw cash and make payments safely in the Netherlands and across Europe. Outside Europe, the acceptance of these payment brands can differ per country.
Good news! This has changed with our new debit cards: Visa Debit and Debit Mastercard. These new cards replace Maestro and V PAY. They work the same as you’re used to, but they’re accepted much more widely around the world. Thanks to these new cards, there are no longer any differences in use or acceptance abroad.
When will ING send me my new debit card?
You’ll automatically receive the new debit card. Prefer not to wait? You can replace your card yourself.
Your renewed Visa or Mastercard debit card gives you better global coverage. You can now pay and withdraw cash anywhere Visa or Mastercard is accepted. Useful when you're abroad.
When will ING send me my new debit card?
You’ll automatically receive the new debit card. Prefer not to wait? You can replace your card yourself.
The default or (temporarily) adjusted card limit applies abroad. Please note: at some foreign banks, you may not be able to withdraw as much cash.
In certain countries, banks have taken measures to help prevent fraud. As a result, you might find yourself unable to withdraw cash regardless of your coverage. This usually happens if you have a debit card issued by a different bank. Unfortunately, Dutch banks can't do anything about this. We always recommend bringing an alternative means of payment, like cash or a credit card as a backup.
In most countries, you can pay with debit cards that have a V PAY or Maestro logo.
The Netherlands
You can use debit cards with a V PAY or Maestro logo to pay or withdraw cash anywhere in the Netherlands.
Europe
You can use your debit card with a V PAY or Maestro logo to pay or withdraw cash in most European countries. In some areas, however, you may not be able to use your debit card. If you'd like to make sure you can use your debit card at your destination, the same tips apply for when you travel outside Europe – see below.
Outside Europe
In some countries or areas, you can't pay or withdraw cash with your V PAY or Maestro debit card. Unfortunately, we can't do anything about this. Before you travel, we recommend checking with a local bank, travel agency or embassy if you can use your debit card.
You can use VISA's* (V PAY) or Mastercard's (Maestro) ATM locator to find ATMs. We always recommend bringing an alternative means of payment, like cash or a credit card.
* Please note: only tick the V PAY filter box after searching. If you can't see a V PAY box, it probably means you can't use your V PAY debit card in that area.
Good news! This has changed with our new debit cards: Visa Debit and Debit Mastercard. These new cards replace Maestro and V PAY. They work the same as you’re used to, but they’re accepted much more widely around the world. Thanks to these new cards, there are no longer any differences in use or acceptance abroad.
When will ING send me my new debit card?
You’ll automatically receive the new debit card. Prefer not to wait? You can replace your card yourself.
"}},{"title":"Countries and areas where you can't use your debit card","richBody":{"value":"
If you pay in euros abroad, you won't incur any additional charges. If you pay in a foreign currency, the exchange rate increases by a %{prijs.btp:debetcard_nieteuro.koersopslag.standaard.perc}% mark-up per transaction.
Good to know: ING can't view any conversion rates or additional fees local banks may charge before the transaction. Please check the exchange rate calculator before you use Dynamic Currency Conversion (DCC). Local payment service providers often apply higher conversion rates than ING.
In some areas in Iceland, the United States and Australia, paying with a debit card may not be possible as chip technology has replaced magnetic strips for all transactions. That's why we recommend bringing cash or a credit card when you visit these areas.
"}},{"title":"Cash withdrawal charges abroad","richBody":{"value":"If you're planning to withdraw cash abroad, it's good to know what it costs.
In some locations, withdrawing cash from ATMs with a debit card may not be possible as chip technology has replaced magnetic strips for all transactions. These areas include Bermuda and the following Caribbean islands: Anguilla, Antigua and Barbuda, Dominica, the Cook Islands, Saint Kitts and Nevis and the Cayman Islands. If you're travelling to any of these destinations, please remember to bring cash or a credit card.
"},"textLinks":[{"url":"/particulier/betalen/buitenland/landen-eurozone-europese-economische-ruimte-en-sepa","text":"See an overview of EEA countries"}]},{"title":"All about exchange rates","richBody":{"value":"We use exchange rates to convert transactions made in foreign currencies to euros. For Maestro debit cards, we use Mastercard's exchange rates of the day the cash is withdrawn. For V PAY debit cards, we use VISA's exchange rates of the day before the cash is withdrawn. We charge fees to convert transactions made in foreign currencies to euros. These fees are called mark-up. The mark-up is %{prijs.btp:debetcard_nieteuro.koersopslag.standaard.perc}%, meaning we increase the exchange rate by %{prijs.btp:debetcard_nieteuro.koersopslag.standaard.perc}%.
If you have a debit card with the V PAY logo, VISA's exchange rate applies. This is the exchange rate of the day on which the withdrawal was booked.
If you have a debit card with the Maestro logo, Mastercards' exchange rate applies. This is the exchange rate of the day before the withdrawal was booked.
ECB reference rate
In addition to Mastercard and VISA's exchange rates, the European Central Bank (ECB) has its own exchange rate. The ECB exchange rate is the reference rate selected by the European Commission. For transparency's sake, all payment providers in the European Economic Area (EEA) must provide insights into the mark-up they charge.
Dynamic Currency Conversion (DCC)
If you make a payment or withdraw cash in a currency other than the euro, the local payment provider may ask if you'd like to use Dynamic Currency Conversion (DCC). If you choose to use DCC, the exchange rate of the local payment service provider will be applied. If you don't, ING's exchange rate will be applied. Our exchange rate is often lower! At ING, we can only access local conversion rates and any additional fees charged by local banks during the actual transaction. That's why we recommend checking the exchange rate calculator before you use DCC.
Payment providers in the EEA are required to communicate their mark-up as a percentage relative to the ECB reference rate to the DCC. They must do this before you approve a payment by showing the mark-up on an ATM screen, for instance. These regulations do not apply outside the European Economic Area (EEA).
ING exchange rate calculator
In the ING exchange rate calculator, you'll see the mark-up we use. You can also compare it with a local payment provider's mark-up to determine if you'd like to use Dynamic Currency Conversion (DCC). Local payment providers often use a higher conversion rate than we do!
Messages in My ING and the mobile banking app
For the first transaction made in a foreign currency in an EEA country of the month, you'll get a message in My ING and the mobile banking app. In this message, we'll share a percentage that shows how our mark-up compares to the current ECB reference rate.
If you don't want to get these messages, you can switch them off in Messages > Payments abroad.
"}},{"title":"Additional tips","richBody":{"value":"Losing a card abroad happens to the best of us. You should immediately block the card using the mobile banking app or My ING to prevent potential fraud or misuse. If you don't have access to the app or My ING, call the ING Hotline.
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