Question 1

Debit card coverage

Accepted Answer

Your ING debit card is set to 'world’ by default. That means you won't have to change any settings when you travel outside Europe. Talk about convenient!

Question 2

Card restrictions abroad (Maestro & V PAY)

Accepted Answer

The default or (temporarily) adjusted card limit applies abroad. Please note: at some foreign banks, you may not be able to withdraw as much cash.

In certain countries, banks have taken measures to help prevent fraud. As a result, you might find yourself unable to withdraw cash regardless of your coverage. This usually happens if you have a debit card issued by a different bank. Unfortunately, Dutch banks can't do anything about this. We always recommend bringing an alternative means of payment, like cash or a credit card as a backup.

In most countries, you can pay with debit cards that have a V PAY or Maestro logo.

The Netherlands

You can use debit cards with a V PAY or Maestro logo to pay or withdraw cash anywhere in the Netherlands.

Europe

You can use your debit card with a V PAY or Maestro logo to pay or withdraw cash in most European countries. In some areas, however, you may not be able to use your debit card. If you'd like to make sure you can use your debit card at your destination, the same tips apply for when you travel outside Europe – see below.

Outside Europe

In some countries or areas, you can't pay or withdraw cash with your V PAY or Maestro debit card. Unfortunately, we can't do anything about this. Before you travel, we recommend checking with a local bank, travel agency or embassy if you can use your debit card. If you have a Maestro card and would like a V PAY card (or vice versa), please contact customer service.

You can use VISA's* (V PAY) or Mastercard's (Maestro) ATM locator to find ATMs. We always recommend bringing an alternative means of payment, like cash or a credit card.

* Please note: only tick the V PAY filter box after searching. If you can't see a V PAY box, it probably means you can't use your V PAY debit card in that area.

Question 3

Countries and areas where you can't use your debit card

Accepted Answer

In Cuba, Russia and Crimea (an area in Ukraine), you can't pay or withdraw cash with your debit card.
In Syria, North Korea, Sudan and Iran, you can't pay or withdraw cash with your debit card. The mobile banking app and My ING are also blocked in these countries.

Question 4

Exchange rates and potential payment charges abroad

Accepted Answer

If you pay in euros abroad, you won't incur any additional charges. If you pay in a foreign currency, the exchange rate increases by a %{prijs.btp:debetcard_nieteuro.koersopslag.standaard.perc}% mark-up per transaction.

Good to know: ING can't view any conversion rates or additional fees local banks may charge before the transaction. Please check the exchange rate calculator before you use Dynamic Currency Conversion (DCC). Local payment service providers often apply higher conversion rates than ING.

In some areas in Iceland, the United States and Australia, paying with a debit card may not be possible as chip technology has replaced magnetic strips for all transactions. That's why we recommend bringing cash or a credit card when you visit these areas.

Question 5

Cash withdrawal charges abroad

Accepted Answer

If you're planning to withdraw cash abroad, it's good to know what it costs.

If you withdraw cash in a European Economic Area (EEA) country, you won't incur any charges. A foreign bank, however, may charge withdrawal fees. See our tips at the bottom of this page.
If you withdraw cash in euros in a country outside the European Economic Area (EEA), you'll be charged %{prijs.btp:nieteuro_opnamekosten_ATM_betaalpas.trans_fee.sindsxxxxxxxxx.standaard.eur}% per withdrawal.
If you withdraw cash in a foreign currency, you'll be charged %{prijs.btp:nieteuro_opnamekosten_ATM_betaalpas.trans_fee.sindsxxxxxxxxx.standaard.eur}% per withdrawal. The exchange rate will also increase by a %{prijs.btp:debetcard_nieteuro.koersopslag.standaard.perc}% mark-up.

In some locations, withdrawing cash from ATMs with a debit card may not be possible as chip technology has replaced magnetic strips for all transactions. These areas include Bermuda and the following Caribbean islands: Anguilla, Antigua and Barbuda, Dominica, the Cook Islands, Saint Kitts and Nevis and the Cayman Islands. If you're travelling to any of these destinations, please remember to bring cash or a credit card.

Question 6

All about exchange rates

Accepted Answer

We use exchange rates to convert transactions made in foreign currencies to euros. For Maestro debit cards, we use Mastercard's exchange rates of the day the cash is withdrawn. For V PAY debit cards, we use VISA's exchange rates of the day before the cash is withdrawn. We charge fees to convert transactions made in foreign currencies to euros. These fees are called mark-up. The mark-up is %{prijs.btp:debetcard_nieteuro.koersopslag.standaard.perc}%, meaning we increase the exchange rate by %{prijs.btp:debetcard_nieteuro.koersopslag.standaard.perc}%.

If you have a debit card with the V PAY logo, VISA's exchange rate applies. This is the exchange rate of the day on which the withdrawal was booked.

If you have a debit card with the Maestro logo, Mastercards' exchange rate applies. This is the exchange rate of the day before the withdrawal was booked.

ECB reference rate

In addition to Mastercard and VISA's exchange rates, the European Central Bank (ECB) has its own exchange rate. The ECB exchange rate is the reference rate selected by the European Commission. For transparency's sake, all payment providers in the European Economic Area (EEA) must provide insights into the mark-up they charge.

Dynamic Currency Conversion (DCC)

If you make a payment or withdraw cash in a currency other than the euro, the local payment provider may ask if you'd like to use Dynamic Currency Conversion (DCC). If you choose to use DCC, the exchange rate of the local payment service provider will be applied. If you don't, ING's exchange rate will be applied. Our exchange rate is often lower! At ING, we can only access local conversion rates and any additional fees charged by local banks during the actual transaction. That's why we recommend checking the exchange rate calculator before you use DCC.

Payment providers in the EEA are required to communicate their mark-up as a percentage relative to the ECB reference rate to the DCC. They must do this before you approve a payment by showing the mark-up on an ATM screen, for instance. These regulations do not apply outside the European Economic Area (EEA).

ING exchange rate calculator

In the ING exchange rate calculator, you'll see the mark-up we use. You can also compare it with a local payment provider's mark-up to determine if you'd like to use Dynamic Currency Conversion (DCC). Local payment providers often use a higher conversion rate than we do!

Messages in My ING and the mobile banking app

For the first transaction made in a foreign currency in an EEA country of the month, you'll get a message in My ING and the mobile banking app. In this message, we'll share a percentage that shows how our mark-up compares to the current ECB reference rate.

If you don't want to get these messages, you can switch them off in Messages > Payments abroad.

Question 7

Additional tips

Accepted Answer

If you plan on going abroad for an extended time, please check your debit card's expiration date before you leave. If the expiration date is within the next 6 months, please contact us.
If you use an ATM abroad, the bank may charge fees. The exact fees will be shown on the ATM's screen. You must approve the charge to withdraw cash. The fees will be charged along with the amount you're withdrawing.
ING can't view any conversion rates or additional fees local banks may charge before the transaction. Please check the exchange rate calculator before you use Dynamic Currency Conversion (DCC). Local payment service providers often apply higher conversion rates than ING.
Some ATMs abroad will ask for a 6-digit PIN. You can ignore this – simply enter your 4-digit PIN and confirm using the designated button. This button is usually green.
You can pay with your debit card in many shops and restaurants abroad. Not only will this save you trips to the ATM, you also won't have to keep large amounts of cash on you.

Question 8

In case of loss, theft or fraud

Accepted Answer

Losing a card abroad happens to the best of us. You should immediately block the card using the mobile banking app or My ING to prevent potential fraud or misuse. If you don't have access to the app or My ING, call the ING Hotline.