Always have your wallet on your wrist when you pay with Garmin Pay. Ideal if you are going to exercise. Or if you don't want to keep your wallet or phone with you all the time. With Garmin Pay you pay in an instant.
Have you linked your debit card to Garmin Pay? Then you can pay contactless. Also abroad.
Garmin Pay PIN
Garmin Pay is just as safe as paying with your regular debit card. You enter the PIN when
Paying with Garmin Pay is very easy:
The limit that applies to Mobile Payments depends on the debit card you have received.
"}},{"accordionList":[{"richBody":{"value":"Then you can pay a maximum of € 2,500 per day with your digital debit card, Apple Pay, Google Pay and Garmin Pay. For young people aged 16 and 17, the limit is €250 per day. You cannot change the limit of your digital debit card.
The standard limit of your physical debit card is € 1,500 which you can change yourself.
"},"title":"Do you have a physical debit card of VPay or Maestro?"},{"richBody":{"value":"Then your standard debit card limit is € 1,500 per day. This limit applies to both paying with your physical debit card and mobile payments with Apple Pay, Google Pay and Garmin Pay. A standard debit card limit of € 250 applies to young people.
As an account holder, you can change the limit of your Visa Debit or Debit Mastercard yourself.
"},"textLinks":[{"text":"Read more about payment limits and cash withdrawals with your debit card","url":"/en/personal/payments/debit-cards/limits"}],"title":"Do you have a physical card of Visa Debit or Debit Mastercard?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"1) Open the ING App and go to “Service”
2) Choose your card
3) Add to Garmin Wallet
The Garmin Connect App will open automatically
4) You are ready to pay!
Your ING card is now available in the Garmin Wallet
1) Open the ING App and go to “Service”
2) Choose your card
3) Add to Garmin Wallet
Before you start, make sure your phone and Garmin smartwatch are connected
4) Open de ING App and go to “Service”
5) You are ready to pay!
Your ING card is now available in the Garmin Wallet
If you have a physical debit card from VPay or Maestro, you can pay a maximum of € 2,500 per day with your digital debit card, Apple Pay, Google Pay and Garmin Pay. For young people aged 16 and 17, the limit is € 250 per day. You cannot change the limit of your digital VPay or Maestro debit card.
Do you have a physical card from Visa Debit or Debit Mastercard? Then your standard debit card limit is € 1,500 per day. This limit applies jointly to both paying with your physical debit card and (digital) paying with Apple Pay, Google Pay and Garmin Pay. For young people, a standard debit card limit of € 250 applies. As an account holder, you can change the debit card limit of your Visa Debit or Debit Mastercard debit card yourself.
"},"textLinks":[{"text":"Read more about debit card limit for payments and cash withdrawals","url":"/en/personal/payments/debit-cards/limits"}],"title":"What is the daily Garmin Pay transaction limit?"},{"richBody":{"value":"With a Maestro/VPay debit card, you cannot use Mobile Payment via Apple Pay, Google Pay or Garmin Pay as an account representative.
ING has started issuing new debit cards from Visa Debit and Debit Mastercard. When your Maestro/VPay debit card needs replacing, you will automatically receive a new card. As an authorized person on an account, with a Visa Debit or Debit Mastercard debit card, you can use Mobile Payments.
"},"title":"Can I use Garmin Pay as a representative on an account?"},{"richBody":{"value":"It is possible to remove mobile payments (Apple Pay, Google Pay, Garmin Pay) from a specific device, e.g. phone or watch. This applies to all mobile payment cards (VPay, Maestro). You can easily remove a mobile debit card from the wallet with which you have linked your ING Debit Card. You can remove the debit card from the Garmin Wallet whenever you want. This is done via the Garmin Connect app or via the ING App.
How to remove the debit card from the Garmin wallet via ING App:
How to remove the debit card from the Garmin wallet via Garmin Connect app:
The debit card has been permanently removed from your wallet. The transaction history is no longer visible in the wallet after deletion. You can reactivate your debit card for Garmin Pay at any time.
"},"title":"How can I block or remove my debit card from the Garmin Pay wallet?"},{"richBody":{"value":"Immediately remove the payment cards from the Garmin Wallet, so that payments with the Garmin watch are no longer possible. You can do this via the Garmin Connect app or via the ING App.
If the Garmin watch has been removed from the wrist, the PIN code must always be entered before payment can be made. Always keep your Garmin Pay PIN secret.
Is your phone also lost?
Have you also lost your phone? If you have access to another device, you can block the ING App via My ING.
Can you no longer deactivate Garmin Pay yourself? Call (with another telephone) the ING Emergency Line.
ING Emergency Line: 020 22 888 00
Available 24 hours a day, 7 days a week.
"},"title":"What to do if my Garmin watch is stolen?"},{"richBody":{"value":"No, you don't need your mobile phone when you want to use Garmin Pay. The payment feature works as long as you have Garmin Pay activated and your watch's battery is sufficiently charged.
"},"title":"Do I need my mobile phone for a payment?"},{"alignedImage":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/33b8c7e56b6872b3/original/Cards-Card_Orange_Maestro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/c1006364-665c-433d-8909-ca10a2ec1f54/Cards-Card_Orange_Maestro_Outline"},"richBody":{"value":"Yes, if you added a Maestro, Visa Debit and/or Debit Mastercard to Garmin Pay and it is accepted in store, you can use Garmin Pay.
"},"title":"Can I pay abroad with Garmin Pay?"},{"richBody":{"value":"Do you have multiple payment accounts linked to Garmin Pay? When you open your wallet, you can swipe on the screen to find the correct card. Then hold your watch at the terminal to make the payment.
It is not possible to adjust the order in which your payment cards are shown in the Garmin wallet.
Recognizing the correct ING Debit card:
If you have added your debit card to your Garmin Pay wallet, a number will be shown on it.
If you have added your physical Maestro or VPay debit card, you will see your IBAN account number on the card in the Garmin Pay Wallet. This is the same as the number on your physical debit card.
Do you have a physical Mastercard or Visa debit card? Then you will see the number of your digital card on the card in the Garmin Pay Wallet. This is a different number than your IBAN account number. This is a unique virtual card number that is linked to your watch. It is created to help protect your actual card number.
"},"title":"Several debit cards: how to recognize and or select a debit card from my Garmin wallet?"},{"richBody":{"value":"To pay with Garmin Pay you have to first activate it. Was this successful and do you have sufficient balance for the payment? But the payment still failed? Then go to the ING App, delete your digital debit card in the Garmin wallet and create it again.
"},"title":"The payment failed. What to do?"},{"richBody":{"value":"No, paying with Garmin Pay is possible without internet. However, for activating Garmin Pay you do need internet access.
"},"title":"Do I need internet for paying with Garmin Pay?"},{"richBody":{"value":"If the Garmin PIN code is entered incorrectly 3 times, access to the Garmin wallet will be locked. If you still remember your Garmin PIN code, you can reset the PIN code via the Garmin Connect app. Have you forgotten the PIN code? Then you have to delete the Garmin Wallet, then create a new one and add the debit cards again.
Change Garmin PIN:
Finished! You must enter the new PIN code at the next payment.
"},"title":"My Garmin Pay code is blocked. What to do?"},{"richBody":{"value":"You can you see all the Garmin Pay payments of your current account in the transaction overview in the ING App or My ING.
"},"title":"Where can I find my transactions made via Garmin Pay?"},{"richBody":{"value":"No, it's not possible yet to withdraw money from your ING account by using Garmin Pay.
"},"title":"Can I withdraw money with Garmin Pay?"},{"richBody":{"value":"No. Garmin Pay only works where you can pay contacless. Online payments are not possible.
"},"title":"Can I pay with Garmin Pay online or in webshops?"},{"richBody":{"value":"Also take a look at the information page and Q&A Garmin Pay.
Is your question not listed there either? Then we will gladly help you via our chat.
"},"title":"Where can I go if I have another question about Garmin Pay?"}],"componentType":"accordion","taxonomies":[{"taxonomyKeys":["segments","segment_private","segment_private-isp","categories","cat_mobile-payments"],"taxonomyType":"assistedProcessCategorizationTaxonomyContainer"},{"taxonomyKeys":["q-a"],"taxonomyType":"assistedContentTypeTaxonomyContainer"}]}]},"hasMacro":false,"id":"10b73629-9f86-4926-97e1-250ac37e6eee","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"All about payments","url":"/en/personal/payments"}},"componentType":"productHeader","coreHeader":{"headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/56f22de1b8d118b2/original/Close-up-of-woman-paying-for-retail-item-with-smartwatch.jpg","transformBaseUrl":"https://assets.ing.com/transform/093fbe11-6461-4aad-885f-d4d9b6c898f5/Close-up-of-woman-paying-for-retail-item-with-smartwatch","type":"image","width":5760},"subtitle":"Stay ahead of time","title":"Pay with Garmin Pay"},"cta":{"componentType":"cta","textLink":{"text":"Activate Garmin Pay","url":"/en/personal/payments/garmin-pay/activate-garmin-pay"}},"usps":[{"body":"Your wallet on your wrist","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/1ac881ad720427e/original/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}},{"body":"Wherever you can pay contactless","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/1ac881ad720427e/original/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}},{"body":"Easy, fast and safe","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/1ac881ad720427e/original/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}}]},"publishDate":"2026-04-14T09:25:33.000+02:00"}}