If you pay in euros with a credit card in one of the EEA countries, that’s free of charge.
If you’re not in an EEA country or not paying in euros, the amount will be converted into euros based using an exchange rate and a %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}% currency mark-up
Cash withdrawals in euros at ATMs cost 4% of the amount withdrawn, with a minimum of €4.50 per transaction. For cash withdrawals in a foreign currency, there’s a %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}% currency mark-up.
"},"textLinks":[{"text":"Differences between a debit card and credit card","url":"/en/personal/payments/creditcards/credit-card"}],"title":"Payments and cash withdrawals"},{"componentType":"paragraph","richBody":{"value":"Are you given the choice between the local currency and euros when making a payment or withdrawing cash?
If you choose to pay in the local currency, you’ll use Dynamic Currency Conversion (DCC). With DCC, the exchange rate of the local payment service provider is applied. If you pay in euros, ING’s exchange rate will apply instead.
With DCC, payment service providers in the EEA are required to tell you their currency mark-up, expressed as a percentage relative to the ECB reference rate, before you confirm the payment, such as at an ATM. This requirement does not apply outside the EER.
Foreign shops, hotels and restaurants and banks almost always use a higher euro conversion rate than ING.
"},"title":"Choose the local currency"},{"componentType":"paragraph","richBody":{"value":"Exchange rates are used to convert foreign currency transactions into euros. For credit cards, we use the exchange rate provided by Mastercard. We charge extra for converting foreign currency transactions into euros; we call that a currency mark-up. The currency mark-up is %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}%, which means we increase the exchange rate by %{prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc}%.
In addition to the exchange rate we get from Mastercard, the European Central Bank (ECB) publishes its own foreign exchange rate. The European Commission has chosen the ECB exchange rate as its reference rate. To be transparent towards their customers, all payment service providers in the EEA must indicate what currency mark-up they charge.
ING exchange rate calculator
You can use the ING exchange rate calculator to see our mark-up expressed as a percentage relative to the ECB reference rate. You can compare that with the rate used by the local payment service provider to decide whether to use Dynamic Currency Conversion (DCC). Experience shows that local payment service providers often use a higher exchange rate than ING.
"},"title":"Exchange rates"},{"componentType":"paragraph","richBody":{"value":"From the end of April 2021, the first time you pay for something in a foreign currency in a calendar month in one of the EEA countries, we’ll send you a message in My ING and the ING App. That will tell you how our currency mark-up compares, by percentage, with the ECB reference exchange rate at that time.
If you don’t want to receive those messages, you can turn off that option in the communication settings in My ING.
You can see your credit card purchases instantly in the ING App and My ING – so that you always stay on top of your spending. If you prefer, you can make extra credit card payments in your ING App too. It’s super easy.
If your credit card has been lost or stolen, call the Emergency Line on +31 (0) 20 22 888 00 (open 24/7). We’ll block your credit card immediately to prevent misuse and then provide further assistance.
"},"title":"Messages in My ING and the ING App"},{"componentType":"paragraph","richBody":{"value":"If you want to pay with your credit card in shops, restaurants or while travelling, you’ll need your PIN. Forgotten your PIN? No problem. You can easily request a new one in the ING app. You’ll receive your PIN at your correspondence address within 3 working days after the request.
Unfortunately, it’s not possible to receive your PIN urgently or digitally. Requesting a new PIN takes up to three working days.
Please note: you can add your credit card to Apple Pay or Google Pay. This allows you to use your credit card right away for contactless payments, even without a PIN.
"},"textLinks":[{"text":"Retrieve your PIN","url":"/en/personal/payments/creditcards/request-pin"}],"title":"Forgotten your PIN?"},{"componentType":"paragraph","richBody":{"value":"We’ll automatically send you a new credit card by post no later than two weeks before your current credit card expires. If you’re planning to be away for a longer period of time, check the expiry date on your credit card before you leave. If the expiry date falls within your holiday, you can request a new credit card yourself beforehand.
"},"textLinks":[{"text":"Request a replacement credit card","url":"/en/personal/payments/creditcards/replace-credit-card"}],"title":"What if your credit card is going to expire during your holiday?"},{"componentType":"paragraph","richBody":{"value":"Haven’t you received your new (replacement) credit card yet and are you, for example, abroad? Then you can temporarily use an alternative payment method, such as your debit card or mobile payments, if you had this set up already.
Good to know
Good to know: you don’t have to activate your credit card separately for worldwide use outside Europe. As soon as your credit card is active, you can use it to pay worldwide at all locations where Mastercard is accepted. Easy!
Are you currently abroad and is your credit card not working? Then check whether the ATM or payment terminal displays the Mastercard logo.
"},"title":"Credit card use outside Europe"},{"componentType":"paragraph","richBody":{"value":"You can see your credit card purchases instantly in the ING app and My ING – so that you always stay on top of your spending. If you prefer, you can make extra credit card payments in your ING app too. It’s super easy.
"},"title":"Always on top of your spending"},{"componentType":"paragraph","richBody":{"value":"Lost or stolen credit card? You can easily block it yourself. You can unblock your credit card at any time or request a replacement card immediately. If you are unable to block your credit card, please contact us by chat, and we’ll be glad to help.
If your credit card has been stolen or you suspect fraud, don’t wait! Call us immediately on 020 22 888 00.
"},"title":"In the event of loss, theft or misuse"},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"text":"More about your credit card","url":"/en/personal/payments/creditcards"},{"text":"Prepare for your holiday with your credit card","url":"/en/personal/payments/creditcards/holiday-preparations"},{"text":"View the holiday checklist","url":"/particulier/vakantiecheck"},{"text":"Differences between a debit card and credit card","url":"/en/personal/payments/creditcards/differences-debit-card-and-credit-card"},{"text":"Exchange rate calculator","url":"/particulier/betalen/buitenland/wisselkoerscalculator"}]},{"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":true,"id":"368d87ac-9027-40b4-b939-145fd17fde48","localeString":"en-GB","macros":["prijs.btp:creditcards_nieteuro.koersopslag.standaard.perc"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Paying abroad","url":"/en/personal/payments/payments-abroad"}},"componentType":"productHeader","coreHeader":{"body":"Here are some useful things to know if you’re going abroad soon, or if you’re already there.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/54b892ce5101b04f/original/CreditCardsComparison-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/29c4ea12-730f-4ae6-99c7-db2430d56400/CreditCardsComparison-1920","type":"image","width":1920},"title":"Credit card abroad"},"cta":{"componentType":"cta","textLink":{"text":"Explore our credit cards","url":"/en/personal/payments/creditcards"}}},"publishDate":"2026-06-02T12:30:47.365+02:00"}}