Question 1

Are ING credit cards Mastercard or VISA?

Accepted Answer

Mastercard! You can use your credit card to pay around the world at over 35 million places. If you see the Mastercard logo, you can pay with your credit card.

Question 2

When is the due date for credit card payments?

Accepted Answer

Your ING current account is charged for the total credit card payments in the first week of each month. Find the exact due dates here.

Question 3

Can I change my credit card limit?

Accepted Answer

In most cases, the answer is yes. The minimum credit card limit is €1,000 and the maximum is €5,000. You can increase or decrease your limit by increments of €500. If you have a credit card without a limit, the next available limit is €1,000.

Here's how to change your credit card limit:

Log in to My ING – you'll immediately end up in the right place.
After confirming, your new limit will go into effect immediately.
Please note you cannot increase your credit card limit if you use spread payments.

Question 4

I have a joint account (En/Of Rekening) with my partner – can the both of us get a credit card?

Accepted Answer

Yes! You can request up to 2 additional credit cards. All purchases made with the additional card will fall under your current credit card limit.

Question 5

Can I pay my credit card early?

Accepted Answer

Yes! You can do so in your credit card overview in the ING app. Would you like to know more?

Question 6

How do I cancel my credit card, platinum card or student credit card?

Accepted Answer

There are 2 ways to cancel: in My ING or by calling us at 020 22 888 88.

Question 7

How do I make a credit card insurance claim?

Accepted Answer

Please contact Allianz at ing.claims.nl@allianz.com or call 020-592 98 90. They will then send you a claim form.
Please fill out the claim form and send it back to Allianz, including any signed documents they may need.
Allianz will get back to you about your claim within 10 business days after receiving the form.

Learn more about coverage, compensation and validity in the insurance terms and conditions.

Question 8

How do I make a purchase protection claim?

Accepted Answer

Email Allianz (the insurer) at ing.claims.nl@allianz.com. Or call them at 020-592 98 90. They will send you a claim form. Fill it out, sign it and send it back to Allianz along with any additional documents like a police report, proof of reporting, receipt(s) and account statement(s) showing the purchase. This way, the insurer can accurately assess the amount of the claim.

You're insured for 180 days in the event of theft, loss or damage to items you've purchased with your credit card. A €50 excess applies per insured event. The insurance only applies to purchases intended for private use.

Read more about insurance cover and compensation in the credit card and platinum card policy terms and conditions.

In the event of theft:

Report the theft to the police within 48 hours.
You'll receive a police report and/or proof of reporting.

In the event of loss:

Register the loss within 48 hours.
You'll need an official confirmation receipt of the loss registration.

In the event of loss in the Netherlands:

Report the loss to the police within 48 hours.
You'll receive a police report and/or proof of reporting.
If you're unable to stop by a police station, register the loss at www.verlorenofgevonden.nl or www.ilost.nl.
You can also go to the website of the municipality or institution (like a transport operator, shop or museum) where the loss happened. There, you'll learn how to report and get an official confirmation of the loss. If the institution keeps a record of lost items, you must also report your loss with them and get an official confirmation.

In the event of loss abroad:

Report the loss to the local police within 48 hours.
Always ask for a written confirmation of your report.

Question 9

How the refund service works

Accepted Answer

With our refund service (GeldTerugService), you can easily dispute a credit card charge and get refunded.

You can only dispute a charge if:

Your student credit card has been wrongfully charged.
You have not received your purchase 30 days after your card was charged.
The product you ordered is fake or was delivered incorrectly.
It's been at least 15 days since the seller promised to refund you and you still haven't gotten your money back.
When withdrawing cash at an ATM, you didn't receive enough cash or any cash at all.

You should always try to find a solution together with your seller first. If you can't work something out or can't reach them, you can make use of our refund service. We'll need proof you've contacted the seller.

Question 10

Is it safe to pay online with my credit card?

Accepted Answer

Yes! It's just as safe as using iDEAL or automatic direct debit. Your credit card even has an additional security measure: verification by MasterCard ID Check. You'll also be often asked to confirm your payment with your ING app or ING scammer. We can cancel any suspicious charges and will contact you if something seems off.

In case of fraud, loss or theft, we’ll fully compensate you if there is no fraud, intent and gross negligence on your end.

Question 11

How do I convert my credit card to a platinum card?

Accepted Answer

Please call our customer service at 020 22 888 88 to have your credit card converted to a platinum card. You can also chat online with customer service to have your credit card converted. Please note that if you convert to a platinum card, you will no longer be able to use spread payments. The maximum credit card limit is €5,000.

Question 12

What do I do if the card holder passes away?

Accepted Answer

Find everything you need to know when the card holder has passed away.

After the death has been reported, we'll cancel the (student) credit card and any other cards. Any outstanding balance will be debited from the current account. If the holder of an additional credit card passes away, we'll only cancel their credit card.

Question 13

What do I do if my credit card gets lost, stolen or used to commit fraud?

Accepted Answer

Immediately call the ING Hotline at +31 (0)20 222 88 00. You can reach us 24/7.

We will block your credit card straight away and send you a new one. It'll be delivered to your address within 6 business days.