{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Pay quickly and securely by holding your debit card or credit card against the payment terminal. Learn how contactless payments with your card work, when you need to enter your PIN, and what you can do if contactless payments are not working.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How contactless payments work"},{"componentType":"paragraph","richBody":{"value":"<p>You can use your debit card or credit card to pay contactless after you&apos;ve paid or withdrawn cash using your PIN at least once. You won&apos;t have to enter your PIN to make payments under 50 euros, making them super quick. Paying contactless is easy, too. Simply hold your debit card to the side of the payment terminal.</p>"}},{"accordionList":[{"richBody":{"value":"<p>You won&apos;t have to enter your PIN to make payments under 50 euros.</p><p>Here&apos;s how it works:</p><ul><li>Hold your card close to the payment terminal</li><li>You&apos;ll pay straight away – no PIN needed</li><li>A &apos;payment successful’ message will pop up on the terminal screen</li></ul>"},"title":"Pay up to €50 without PIN"},{"richBody":{"value":"<ul><li>Hold your card close to the payment terminal</li><li>Enter your PIN and confirm</li><li>A &apos;payment successful’ message will pop up on the terminal screen</li></ul>"},"title":"Pay more than €50 with PIN"},{"richBody":{"value":"<p>If your consecutive contactless purchases amount to 100 euros or more, you&apos;ll be prompted for your PIN the next time you hold your card to the payment terminal. If you pay by entering your PIN before you&apos;ve reached this daily contactless limit, the limit will reset.</p>"},"title":"€100 daily contactless limit"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Having trouble with contactless payments?"},{"componentType":"paragraph","richBody":{"value":"<p>There are several reasons why you may (temporarily) be unable to pay contactless with your debit card or credit card.</p><ul><li>You haven&apos;t paid or withdrawn cash using your PIN yet.</li><li>You&apos;ve reached your 100 euros daily contactless limit. Or the amount you&apos;re paying is higher than 50 euros. In both cases, you&apos;ll be prompted to enter your PIN. Depending on the payment terminal, you may need to insert your card.</li><li>Your debit card or credit card is blocked.</li></ul><p>If your card isn&apos;t blocked but contactless payments still aren&apos;t working, you can of course continue to make payments and withdraw cash by inserting your card into a payment terminal or ATM and entering your PIN. If you would like to use contactless payments again, you can replace your card using the link below. Please note we may charge replacement fees.</p>"},"textLinks":[{"text":"Replace your debit card","url":"https://mijn.ing.nl/banking/debit-card/replace"},{"text":"Replace your credit card","url":"https://mijn.ing.nl/banking/creditcards/replace-credit-card?EW=true"}]},{"componentType":"sectionTitle","title":"Security"},{"componentType":"paragraph","richBody":{"value":"<p>Contactless payments are safe.</p><ul><li><strong>Protected by PIN: </strong>Your PIN protects your card. You make small payments under 50 euros without entering your PIN. Payments over 50 euros must always be authorised by entering your PIN. The same goes for multiple consecutive payments amounting to 100 euros or more.</li><li><strong>Very difficult to misuse: </strong>Contactless payments happen through NFC. This is a secure way for devices to share data. This data exchange can only happen within a very short radius of 10-centimetres. So if your debit card is stowed in your bag or pocket, it can&apos;t make contact with a payment terminal.</li><li><strong>Compensation for damages: </strong>If someone else misuses contactless payments with your debit card or credit card, we almost always compensate you.</li></ul><p>In case of fraud, immediately contact our <a href=\"https://www.ing.nl/en/personal/customer-service/hotline\"><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Emergency Line</span></span></span></span></a>.</p>"}},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"text":"Bank accounts","url":"/en/personal/payments/bank-accounts"},{"text":"Mobile payments","url":"/en/personal/payments/pay-with-your-phone"},{"text":"Transfer money","url":"/en/personal/payments/money-transfers"},{"text":"Credit cards","url":"/en/personal/payments/creditcards"},{"text":"Debit cards","url":"/en/personal/payments/debit-cards"},{"text":"Cash","url":"/en/personal/payments/cash"},{"text":"Payments abroad","url":"/en/personal/payments/payments-abroad"},{"text":"Switch from your current bank to ING","url":"/en/personal/payments/switch-to-ing"},{"text":"Payment product rates overview","url":"/en/personal/payments/rates"},{"text":"Compare packages","url":"/en/personal/plans/4-compare-plans"}]}]},"hasMacro":false,"id":"e8da5055-c474-465e-a862-177e9e2b0d46","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"ING debit cards","url":"/en/personal/payments/debit-cards"}},"componentType":"productHeader","coreHeader":{"body":"Contactless payments are available with both debit cards and credit cards. It is not possible to disable contactless payments. Contactless payments without a PIN cannot be used without limits. Below, you can read how it works.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/4e03f3fbbd98554e/original/Man-paying-using-nfc-technology.jpg","publishedAt":"2022-05-26T14:39:59Z","transformBaseUrl":"https://assets.ing.com/transform/0eb8ac03-0f26-4305-a6a6-8f36772d167c/Man-paying-using-nfc-technology","type":"image","updatedAt":"2022-08-22T08:53:50Z","width":6720},"subtitle":"You can make contactless payments after you've paid or withdrawn cash using your PIN at least once. In some cases, however, you'll still need to enter your PIN.","title":"Contactless payments with your debit card or credit card"}},"publishDate":"2026-09-08T12:21:01.798+02:00"}}