{"type":"document","data":{"id":"f79c426e-2c2c-4a55-b6d9-eef75be7dbc8","localeString":"en-GB","publishDate":"2026-03-26T14:24:34.219+01:00","contentType":"onecms:productPage","hasMacro":true,"macros":["prijs.btp:ING_Creditcard_MC.Abfee_jaar.eur","prijs.btp:ING_Creditcard.Abfee_jaar.student.eur"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"An additional means of payment while on holiday is smart. Find out which is the best for you and your trip."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"At home you know exactly how to pay without any problem, but that sometimes works just a little differently abroad. What’s smarter: getting cash at an ATM, paying in shops and restaurants with your debit card or using your credit card instead?","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/eee84a24-7320-42d2-befc-9066b832a559/Young-female-surfer-enjoying-the-waves-on-her-board-in-a-colorful-wetsuit","type":"image","width":5760,"original":"https://assets.ing.com/m/22d3c1e36eb17c83/original/Young-female-surfer-enjoying-the-waves-on-her-board-in-a-colorful-wetsuit.jpg","extension":"jpg"},"title":"Paying while on holiday: credit card, debit card or cash","subtitle":"Time for your well-earned holiday?"},"backLink":{"textLink":{"url":"/en/personal/payments/payments-abroad","text":"Paying abroad"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Experience the same convenience as paying at home"},{"componentType":"paragraph","richBody":{"value":"<p>Our tip: always take both your credit card and debit card with you on holiday. A credit card is accepted worldwide and has advantages that you won’t get with cash or a debit card. You can use it to book hotels, make a deposit when hiring a car and to know for certain that you’ll always be able to pay for larger purchases. In addition, you’re insured against theft, and it’s easier to get your money back with our refund service in the event of misuse of fraud. <a href=\"https://www.ing.nl/particulier/betalen/creditcards/voordelen/betaalgemak-op-reis.html\">See all advantages here</a>.</p><p>That makes paying with a debit card or credit card the easiest and safest option, but sometimes it’s nice to have some cash for an outdoor cafe, an ice cream or a taxi. Avoid carrying too much cash because if it gets stolen, what’s gone is gone. And you won’t know for sure whether you’ll be compensated for the full amount, even if you’re insured.</p>"}},{"componentType":"sectionTitle","title":"What are the differences?"},{"componentType":"paragraph","title":"Credit card","richBody":{"value":"<ul><li>With an Orange Package, a credit card costs %{prijs.btp:ING_Creditcard_MC.Abfee_jaar.eur}% per year. If you’re still a student, you’ll pay %{prijs.btp:ING_Creditcard.Abfee_jaar.student.eur}% per year for a student credit card.</li><li>Paying in euros is free of charge with both your debit card and credit card.</li><li>Withdrawing cash with your credit card costs 4% of the amount withdrawn, with a minimum of €4.50 per withdrawal. If you’re in a country with a different currency, a 2% currency mark-up applies to credit card purchases.</li></ul><p><a href=\"https://www.ing.nl/particulier/betalen/betalingen-doen/betaalpas-of-creditcard/index.html\">See the summary of costs and charges</a> for full information.</p><p> </p><p> </p>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/9a2a0952-ce52-4d1e-a543-12d3cac8c7c0/PORTRAIT-OF-YOUNG-MAN-IN-MIRROR","original":"https://assets.ing.com/m/4db26aa8976d3256/original/PORTRAIT-OF-YOUNG-MAN-IN-MIRROR.jpg","extension":"jpg"}},{"componentType":"paragraph","title":"Debit card","richBody":{"value":"<ul><li><p>There’s no separate fee for your debit card because it’s part of your payment package.</p></li><li><p>Payments and cash withdrawals in euros using your debit card are free of charge in EEA countries, unless the local bank itself charges extra.</p></li><li><p>If you’re in a country with a different currency, withdrawing cash with your debit card costs €3.50 per withdrawal plus a 1.4% currency mark-up on the amount withdrawn.</p></li></ul>"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/0e55d64d-0b27-4793-bdbc-63e409f6854a/FULL-LENGTH-PORTRAIT-OF-A-MAN-HOLDING-UMBRELLA","original":"https://assets.ing.com/m/346e32b165d73316/original/FULL-LENGTH-PORTRAIT-OF-A-MAN-HOLDING-UMBRELLA.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Tip: Choose the local currency"},{"componentType":"paragraph","richBody":{"value":"<p>If given the choice between the local currency and euros at an ATM or payment terminal, choose the local currency. That’s almost always cheaper because the fee for conversion into euros is higher than the currency mark-up charged by ING. So choose ‘withdrawal without conversion’ or ‘local currency’ at the ATM or payment terminal.</p>"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/6e976f81-4400-4711-ba13-d043a7ef689d/REAR-VIEW-OF-PEOPLE-LOOKING-AT-LAKE-AGAINST-MOUNTAIN","original":"https://assets.ing.com/m/6f77046f1ff362ab/original/REAR-VIEW-OF-PEOPLE-LOOKING-AT-LAKE-AGAINST-MOUNTAIN.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Find out more"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/personal/payments/payments-abroad","text":"Paying abroad"},{"url":"/en/personal/payments/creditcards/easy-payments-abroad","text":"Credit card: Easy payments abroad"},{"url":"/particulier/vakantiecheck/vakantietips-creditcard","text":"Credit card: Six tips for your holiday"},{"url":"/particulier/vakantiecheck","text":"All travel blogs"}]},{"componentType":"cta","textLink":{"url":"/en/personal/payments/creditcards","text":"Explore our credit cards"}},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]}]}}}