You can use Google Pay with debit cards linked to accounts in your name.
You can add the following to Google Pay:
It depends on the type of debit card you have. ING is gradually replacing its current Maestro and V PAY debit cards with Visa Debit and Debit Mastercard debit cards. Is your debit card due for replacement? If so, you will automatically receive a new debit card.
You have a Maestro or V PAY debit card
If you are an authorized user (someone who has permission to use the account), you cannot use mobile payments through Apple Pay, Google Pay, or Garmin Pay with a Maestro or V PAY debit card.
You have a Visa Debit or Debit Mastercard debit card
If you are an authorized user, you can use mobile payments through Apple Pay, Google Pay, or Garmin Pay with a Visa Debit or Debit Mastercard debit card. Once you have received your Visa Debit or Debit Mastercard debit card, you can add it to your own phone and use mobile payments.
"},"title":"Can I use Google Pay as an authorised user on an account?"},{"richBody":{"value":"It depends on the type of debit card you have.
You have a Maestro or V PAY debit card
With a Maestro or V PAY debit card, you cannot use mobile payments via Apple Pay, Google Pay, or Garmin Pay if you are under guardianship. This is because your guardian cannot manage or adjust the limits for mobile payments on these debit cards.
You have a Visa Debit or Debit Mastercard debit card
With a Visa Debit or Debit Mastercard debit card, you can use mobile payments, even if you are under guardianship.
The following conditions apply:
ING is gradually replacing its current Maestro and V PAY debit cards with Visa Debit and Debit Mastercard debit cards. If your debit card is due for replacement, you will automatically receive a new debit card. Once you have a Visa Debit or Debit Mastercard debit card, you can use mobile payments if you meet the conditions above.
"},"title":"Can I use Google Pay if I am under guardianship?"},{"richBody":{"value":"A digital bank card is an electronic version of your plastic debit card. You can use it to make payments with a phone or smartwatch. It is essentially an additional card linked to your Payment Account. For example, if you lose your plastic Debit Card and have blocked it, you can still make payments with your digital Google Pay card.
"},"title":"What is a digital debit card?"},{"richBody":{"value":"
Yes, Google Pay works on smartwatches running Wear OS 2 or later, including many Samsung Galaxy Watches. Not sure which version of Wear OS you have? Check this in your smartwatch settings.
"},"title":"Can I use Google Pay with my smartwatch, such as a Samsung Galaxy Watch?"},{"richBody":{"value":"Yes, you can use Google Pay free of charge. If you make a payment in a different currency, you will pay a 1.40% currency conversion markup, just as you would when using your physical debit card.
"},"title":"Is Google Pay a free service?"},{"richBody":{"value":"Yes, you can add your personal ING Credit Card to Google Wallet and use it with Google Pay. It is not possible to add a business ING Credit Card to Google Wallet.
"},"title":"Can I use my ING Credit Card with Google Pay?"},{"richBody":{"value":"Yes, you can add your personal ING Credit Card to Google Wallet.
If you have a joint account with two credit cards, both the primary cardholder and the additional cardholder can add their own ING Credit Card to their own Google Wallet.
"},"title":"Can I add a shared credit card to Google Wallet?"},{"richBody":{"value":"No, you currently cannot add your business ING Credit Card to Google Wallet. As a result, you cannot use Google Pay with a business ING Credit Card.
"},"title":"Can I add my business ING Credit Card to Google Wallet?"}],"componentType":"accordion","taxonomies":[{"taxonomyKeys":["segments","segment_private","segment_private-isp","categories","cat_mobile-payments"],"taxonomyType":"assistedProcessCategorizationTaxonomyContainer"},{"taxonomyKeys":["q-a"],"taxonomyType":"assistedContentTypeTaxonomyContainer"}]},{"componentType":"sectionTitle","title":"Managing cards with Google Pay"},{"accordionList":[{"richBody":{"value":"You can activate Google Pay a maximum of 2 times per day or 3 times within 30 days. This limit applies to each combination of a debit card and a mobile device.
Have you reached this limit?
You'll see the error message "Device card limit" during activation.
When you'll be able to activate Google Pay again depends on how many times you've recently activated mobile payments. Try again later or use a different phone or debit card.
"},"title":"How often can I activate Google Pay?"},{"richBody":{"value":"If you want to add your Visa Debit or Debit Mastercard directly through Google Wallet, you must first verify the card in the ING App.
Your debit card has now been added to Google Wallet and is ready to use with Google Pay.
"},"title":"How do I verify my debit card when activating Google Pay through Google Wallet?"},{"richBody":{"value":"Check the status of your debit card. Have you blocked your Visa Debit or Debit Mastercard debit card? If so, the card will not appear in the list of debit cards that can be activated for Google Pay. Unblock your debit card. It will then reappear in the list, and you'll be able to activate Google Pay.
How do I change the order of my debit cards in Google Wallet?
Have multiple ING debit cards in Google Wallet? You can give each debit card its own nickname. This makes it easy to see which debit card belongs to which account.
How to give a debit card a nickname:
How do I set a default card in Google Wallet?
You can remove Google Pay by deleting your debit card from Google Wallet on your phone or smartwatch.
To remove a card from your phone:
To remove a card from your smartwatch:
Once the card has been removed, it can no longer be used for payments with Google Pay on that device.
"},"title":"How do I remove Google Pay from my phone or smartwatch?"},{"richBody":{"value":"You can block Google Pay through the Google Wallet app, for example if your phone has been lost or stolen, or if you suspect fraud.
If you're unable to block Google Pay yourself, call the ING Emergency Line on 020 22 888 00. We will then immediately block the payment functionality of Google Pay for you.
"},"title":"How can I block Google Pay?"},{"richBody":{"value":"Is "Find My Device" enabled on your phone? Then you can locate, lock, or remotely erase your phone.
Don't forget to block your ING App as well. You can do this through My ING or by calling the ING Emergency Line.
ING Emergency Line: 020 22 888 00
The Emergency Line is available 24 hours a day, 7 days a week.
A link, also known as a token, is a secure digital number that is used instead of your ING Debit Card details.
This digital number is linked to your debit card and is used by services such as Google Pay, Apple Pay, online stores, and subscriptions. This allows payments to be processed without storing or sharing your actual debit card details.
What happens to my linked services if I request a new debit card?
Are you requesting a replacement debit card yourself? Then you can choose during the application process whether you want to transfer your existing linked services to your new debit card.
Do you choose to transfer your linked services? Then you can continue using the connected services without having to activate them again.
Has your physical debit card been lost or stolen? In that case, we recommend that you do not transfer your linked services. You can always add them again yourself later.
How do I remove my credit card from Google Wallet?
Your credit card has now been removed from Google Wallet.
"},"title":"What is a token linked to my debit card?"},{"richBody":{"value":"If you want to add your ING Credit Card directly through Google Wallet, you must first verify the credit card in the ING App.
Your ING Credit Card has now been added to Google Wallet and is ready to use.
"},"title":"How do I verify my ING Credit Card when activating Google Pay through Google Wallet?"}],"componentType":"accordion","taxonomies":[{"taxonomyKeys":["segments","segment_private","segment_private-isp","categories","cat_mobile-payments"],"taxonomyType":"assistedProcessCategorizationTaxonomyContainer"},{"taxonomyKeys":["q-a"],"taxonomyType":"assistedContentTypeTaxonomyContainer"}]},{"componentType":"sectionTitle","title":"Payments with Google Pay"},{"accordionList":[{"richBody":{"value":"If you have a physical V Pay or Maestro Debit Card, you can spend up to €2,500 per day using your digital debit card, Apple Pay, Google Pay, and Garmin Pay combined. For customers aged 16 and 17, the limit is €250 per day. The limit of your digital V Pay or Maestro Debit Card cannot be changed.
If you have a physical Visa Debit or Debit Mastercard, your standard debit card payment limit is €1,500 per day. This limit applies collectively to payments made with your physical Debit Card and digital payments through Apple Pay, Google Pay, and Garmin Pay. For young people, the standard payment limit is €250 per day. As the account holder, you can change the payment limit on your Visa Debit or Debit Mastercard Debit Card yourself.
"},"title":"Wat is de betaallimiet van Google Pay?"},{"richBody":{"value":"Yes. To make a payment, first unlock your phone as you normally would, using your passcode, facial recognition, or fingerprint. You can then complete the payment right away.
For added security, we recommend unlocking your phone using biometric authentication, such as facial recognition or a fingerprint. If you prefer to use a passcode, make sure you have changed the default factory passcode to a personal, secure code.
"},"title":"Can I pay using facial recognition or a fingerprint?"},{"richBody":{"value":"No, not always. You can also make payments with Google Pay when your phone is offline. In that case, you can make up to ten payments without an internet connection. After that, your phone must reconnect to the internet before you can make additional payments.
"},"title":"Does my phone need to be connected to the internet to pay with Google Pay?"},{"richBody":{"value":"In the ING App and My ING, you can find all your Google Pay transactions in your transaction history. Click on a transaction to view the details. There, you'll see whether the payment was made using Google Pay.
Why was my transaction declined?
A Google Pay payment may be declined for various reasons:
Yes. Even if contactless payments are disabled for your physical debit card, you can still make payments with Google Pay. The contactless payment settings on your physical card do not affect payments made through Google Pay.
"},"title":"Does Google Pay work if contactless payments are disabled on my debit card?"},{"richBody":{"value":"It depends on the type of debit card you have.
If you have a Maestro or V Pay Debit Card, you cannot withdraw cash contactlessly using Google Pay on your mobile phone.
If you don't have your debit card with you but still need cash, you can request an ING Cash Code in the ING App. With this code, you can withdraw up to €100 per day from a Geldmaat ATM.
ING has started issuing Visa Debit and Debit Mastercard debit cards. When your Maestro or V Pay Debit Card needs to be replaced, you will automatically receive a new debit card. If you have a Visa Debit or Debit Mastercard and Google Pay is activated, you can withdraw cash with your mobile phone at compatible ATMs.
Want to know more about the ING Cash Code? Check the information in the ING App or on the ING website.
"},"title":"Can I withdraw cash from an ATM using Google Pay?"},{"richBody":{"value":"The spending limit depends on the type of credit card you have. You can find more information about your limit in the terms and conditions of your credit card.
It makes no difference whether you pay with Google Pay, Apple Pay, or your physical credit card. In all cases, the same credit card spending limit applies.
"},"title":"What is the spending limit on my credit card when using Google Pay?"}],"componentType":"accordion","taxonomies":[{"taxonomyKeys":["segments","segment_private","segment_private-isp","categories","cat_mobile-payments"],"taxonomyType":"assistedProcessCategorizationTaxonomyContainer"},{"taxonomyKeys":["q-a"],"taxonomyType":"assistedContentTypeTaxonomyContainer"}]},{"componentType":"sectionTitle","title":"Card details Google Pay"},{"accordionList":[{"richBody":{"value":"If you've added your debit card to Google Pay, the number you see in Google Wallet may be different from your IBAN account number.
This is because ING supports different types of debit cards:
Do you have a Maestro or V Pay Debit Card?
In Google Wallet, you'll see the IBAN account number linked to your debit card.
Do you have a Visa Debit or Debit Mastercard?
In Google Wallet, you'll see a card number instead of your IBAN account number. This number belongs to your debit card and is used for payments. It's therefore normal for it to be different from your IBAN.
If you use multiple debit cards in Google Wallet, it can be difficult to determine which card belongs to which account. That's why, after activating Google Pay, you'll receive a message in your ING Inbox containing the card number and the associated IBAN account number. This makes it easy to identify the correct debit card.
"},"title":"Why do I see a different number than my IBAN account number in Google Wallet?"},{"richBody":{"value":"Where you can find the CVC, CVV, or security code depends on the type of card you have.
Do you have a Maestro or V Pay Debit Card?
You can find the code in the ING App:
You will now see an overview of your card details, including the CVC or CVV code.
Do you have a Visa Debit or Debit Mastercard?
You can also find the code in the ING App:
If you have an ING Credit Card, the CVC code is printed on the back of your credit card.
"},"title":"Where can I find the CVC, CVV, or security code of my ING card?"},{"richBody":{"value":"If you have a Maestro or V Pay Debit Card, you do not need a card number to activate Google Pay.
If you have a Visa Debit or Debit Mastercard, you can find the card number on your physical debit card.
Want to activate Google Pay? Follow these steps:
To activate and use Google Pay for payments, ING shares your name, address, and phone number with Google. You are responsible for ensuring that this information is correct. Google compares these details with the contact information you use for your Google Account. This helps prevent fraud.
When you make a payment with Google Pay, Google receives payment information such as the date and time of the transaction, the amount, and the name of the store where you made the purchase. Google also receives payment data from Mastercard/Visa. This information is required to process the transaction technically.
Once you have activated Google Pay, Google is responsible for safeguarding and any use of your personal data, and Google's privacy policy applies.
If you would like to change your privacy preferences for Google Pay, you can do so through Google's Privacy Checkup.
"},"title":"Which information is shared with Google?"}],"componentType":"accordion","taxonomies":[{"taxonomyKeys":["segments","segment_private","segment_private-isp","categories","cat_mobile-payments"],"taxonomyType":"assistedProcessCategorizationTaxonomyContainer"},{"taxonomyKeys":["q-a"],"taxonomyType":"assistedContentTypeTaxonomyContainer"}]}]},"hasMacro":false,"id":"18f6f268-0d1b-4aa2-8f19-8dda3a5482a4","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"All about payments","url":"/en/personal/payments"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/4ab894c8-85e7-4733-8e26-0e8d53e1cf58/ing-card-frequently-asked-questions-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/4ab894c8-85e7-4733-8e26-0e8d53e1cf58/ing-card-frequently-asked-questions-1920","type":"image","width":1920},"subtitle":"Do you have questions about Google Pay? Here you'll find answers to the most frequently asked questions. You can use it to pay with your Android phone or Wear OS-smartwatch, in stores, in apps, and online.","title":"Frequently asked questions about Google Pay"},"cta":{"componentType":"cta","textLink":{"text":"Read more about Google Pay","url":"/en/personal/payments/google-pay/betalen-met-google-pay-new"}},"usps":[{"body":"Works with your ING Debit Card and ING Credit Card","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}},{"body":"Pay anywhere contactless payments are accepted, including in apps and online stores","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}},{"body":"Use Google Pay both in the Netherlands and abroad","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}},{"body":"Activate it quickly and easily in the ING app","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a55a819e-9048-4e0a-8bc9-0a1fff0b223a/Notification-Success_Outline","type":"image","width":32}}]},"publishDate":"2026-09-08T14:55:41.083+02:00"}}