{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"An additional means of payment while on holiday is smart. Find out which is the best for you and your trip.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Experience the same convenience as paying at home"},{"componentType":"paragraph","richBody":{"value":"<p>Going on a trip? Our tip: always take both your credit card and debit card with you when you travel. With the new ING debit cards, you can now pay worldwide wherever you see the Visa or Mastercard logo. Whether you’re shopping, dining out or withdrawing cash abroad, your debit card is accepted in many more places than before. Do you still have an <strong>older debit card (V Pay/Maestro)</strong>? Then <a href=\"https://www.ing.nl/en/personal/payments/debit-cards/abroad\">acceptance abroad</a> may be more limited than with the renewed debit card.</p><p>A credit card offers extra benefits, for example when booking hotels, renting a car or paying higher deposits. A credit card also often provides extra security, such as insurance and protection against misuse or fraud.</p><p>We’re happy to explain the <a href=\"https://www.ing.nl/en/personal/payments/debit-cards/debit-or-credit\">differences</a> between the renewed debit cards and the credit card.</p>"}},{"componentType":"sectionTitle","title":"What are the differences?"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/m/4db26aa8976d3256/original/PORTRAIT-OF-YOUNG-MAN-IN-MIRROR.jpg","transformBaseUrl":"https://assets.ing.com/transform/9a2a0952-ce52-4d1e-a543-12d3cac8c7c0/PORTRAIT-OF-YOUNG-MAN-IN-MIRROR"},"componentType":"paragraph","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Withdrawing cash with your credit card costs 4% of the amount withdrawn, with a minimum of €4.50 per withdrawal.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><li><a href=\"https://www.ing.nl/particulier/betalen/creditcards/voordelen/betaalgemak-op-reis.html\">See all advantages here</a>. <a data-type=\"internal\" href=\"/en/personal/payments/creditcards\">Or read more about our credit cards and their terms &amp; conditions</a>.</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>"},"title":"Credit card"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/m/346e32b165d73316/original/FULL-LENGTH-PORTRAIT-OF-A-MAN-HOLDING-UMBRELLA.jpg","transformBaseUrl":"https://assets.ing.com/transform/0e55d64d-0b27-4793-bdbc-63e409f6854a/FULL-LENGTH-PORTRAIT-OF-A-MAN-HOLDING-UMBRELLA"},"componentType":"paragraph","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>"},"title":"Debit card"},{"componentType":"sectionTitle","title":"Tip: Choose the local currency"},{"alignedImage":{"extension":"jpg","original":"https://assets.ing.com/m/6f77046f1ff362ab/original/REAR-VIEW-OF-PEOPLE-LOOKING-AT-LAKE-AGAINST-MOUNTAIN.jpg","transformBaseUrl":"https://assets.ing.com/transform/6e976f81-4400-4711-ba13-d043a7ef689d/REAR-VIEW-OF-PEOPLE-LOOKING-AT-LAKE-AGAINST-MOUNTAIN"},"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>"}},{"componentType":"sectionTitle","title":"Find out more"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"Paying abroad","url":"/en/personal/payments/payments-abroad"},{"text":"Credit card: Easy payments abroad","url":"/en/personal/payments/creditcards/easy-payments-abroad"},{"text":"Credit card: Six tips for your holiday","url":"/particulier/vakantiecheck/vakantietips-creditcard"},{"text":"All travel blogs","url":"/particulier/vakantiecheck"}]},{"componentType":"cta","textLink":{"text":"Explore our credit cards","url":"/en/personal/payments/creditcards"}},{"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":"/particulier/betalen/bankrekeningen/pakketvergelijken"}]}]},"hasMacro":true,"id":"f79c426e-2c2c-4a55-b6d9-eef75be7dbc8","localeString":"en-GB","macros":["prijs.btp:ING_Creditcard_MC.Abfee_jaar.eur","prijs.btp:ING_Creditcard.Abfee_jaar.student.eur"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Paying abroad","url":"/en/personal/payments/payments-abroad"}},"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":{"extension":"jpg","original":"https://assets.ing.com/m/22d3c1e36eb17c83/original/Young-female-surfer-enjoying-the-waves-on-her-board-in-a-colorful-wetsuit.jpg","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},"subtitle":"Time for your well-earned holiday?","title":"Paying while on holiday: credit card, debit card or cash"}},"publishDate":"2026-05-11T16:25:08.450+02:00"}}