*New: ING has chosen to offer debit cards using the Bancontact and Mastercard network. This gives you, among other, a greater accessibility for your online and in-store payments in Belgium and abroad. All existing debit cards will be gradually and automatically replaced by the new ING debit card in 2024 and 2025. So you don't have to apply for it yourself. Below you will find more information as well as a video explaining the new ING debit card.
"}},{"componentType":"sectionTitle","title":"Maestro or Mastercard: what's the difference?"},{"componentType":"paragraph","richBody":{"value":"You probably already know the Mastercard name and logo from credit cards... But now ING is launching a debit card that uses the Mastercard network, which is more extensive than the Maestro network. This means you can pay more easily online and in more shops around the world.
"}},{"componentType":"sectionTitle","title":"What are the advantages of the new ING debit card ?"},{"componentType":"paragraph","richBody":{"value":"What to do to get your new debit card?
You don't have to do a thing! You will automatically receive the card in 2024 or 2025. All debit cards will be replaced, and you will be notified by a text message, a message in your ING Banking app/Home'Bank/Business'Bank or an e-mail once your card has been sent. After this notification, all you have to do is to keep an eye on your mailbox and activate the card once received.
"}},{"componentType":"sectionTitle","title":"The ING Debit Card in a nutshell"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/3155dacb-4d0b-4466-bfa1-5526cf192adb/Coins","type":"image","width":160,"altTextNL":"Payments","original":"https://assets.ing.com/m/2a7bd7993c765426/original/Coins.svg","extension":"svg"},"highlighted":false,"items":[{"body":"Use your debit card for all your payments! Both online and at merchants displaying the Bancontact, Maestro- or Mastercard- logos.","title":"For all your expenses, small and large"},{"body":"The Maestro or Mastercard feature of the debit card allows you to pay and to withdraw money in Belgium and abroad.","title":"In Belgium and abroad"},{"body":"The amount is directly debited from your account which allows you to see progressively the balance of your account.","title":"Direct settlement"}]},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"sectionTitle","title":"General"},{"componentType":"accordion","accordionList":[{"title":"What about the ING debit card ?","richBody":{"value":"This is a debit card that allows you to pay for your expenses and to withdraw cash in Belgium and abroad. This card is always linked to a ING current account.
Your ING Debit Card gives you access to:
Your debit card can also be used to create your Mobile Banking profile, so you can do your banking via your smartphone.
"}},{"title":"Is using my debit card secure ?","richBody":{"value":"Yes, the security is guaranteed by your PIN code. Your ING debit card is strictly personal and can only be used with the personal identification number (PIN) known only by you. Never share your code or write it down anywhere. Choose a code that is easy to remember but difficult to guess.
If you have applied for a new current account, you can request a new PIN code via the ING Banking app (connection via itsme® for new customers) or you will receive your secret PIN code by SMS after receiving your new debit card by post.
The same applies to cards being replaced after loss, theft or (attempted) fraudulent use. If you receive a replacement debit card after your old one broke, became unreadable or expired, your PIN will remain the same.
In any case, you can change your PIN at any time via a cash dispenser at an ING branch or at a CASH point.
Your debit card lost or stolen? If you can't find your card for any reason, block your card online in the ING Banking App or via
Home’Bank or Business’Bank or contact Card Stop on +32 78 170 170.
If your card is broken or unreadable, order a replacement debit card online
"}},{"title":"How does a reservation for a transaction with a debit card work?","richBody":{"value":"Reservations for debit card transactions concern funds that are temporarily blocked on your bank account to ensure that your account has the necessary funds and to protect you against the risk of irregular debit.
How does reservations work?
Consequences for the cardholder:
You don't need your card temporarily? You cannot find your card? You don't know if it is lost? Useful tip: you can temporarily block you card! You can easily unblock it once you find it back or you need it again.
In the event of loss or theft, you must always directly block your card via the service available in the ING Banking App or via Home'Bank/Business'Bank or via a call to CARD STOP (078 170 170).
Please note: if you temporarily block your card, you cannot use it for:
For blocking your card temporarily, please follow the instructions hereunder.
"},"textLinks":[{"url":"https://ebanking.ing.be/banking/card-profiler","text":"I block my card temporarily"}]},{"title":"What are the payment, transfer and withdrawal limits ?","richBody":{"value":"For small purchases below 50 euros, it is possible to make payments without entering your PIN.
After making a total 100 euros of payments without entering your PIN, you will have to confirm any subsequent payments with your PIN before you can make payments again without entering your PIN.
For larger amounts, view the payment, sending money and cash withdraw in euro limits related to your ING debit card
"}},{"title":"Where can I use my debit card ?","richBody":{"value":"Use your ING debit card to make payments in Belgium, abroad and online or to withdraw cash at any ATM displaying the Bancontact-, Maestro- or Mastercard- logo (depending on the debit card you have).
"}},{"title":"How can I activate/deactivate the online payments?","richBody":{"value":"Booking a flight or a concert, ordering clothes, buying a computer... You are purchasing online more and more? ING offers you several solutions to make each online payment quickly and securely. You can do online payments by default with your debit card/credit card. But you can easily deactivate it in the digital channels.
Please note: if you deactivate online payments, automatic recurring payments for online subscriptions (streaming, firewall, music, …) linked to the card will also be refused.
To activate/deactivate the online payments, follow the instructions hereunder.
"},"textLinks":[{"text":"I activate/deactivate the online payments"}]},{"title":"How does a contactless payment work ?","richBody":{"value":"“Contactless” feature is easy: present your card at a payment terminal where the 4-waves radio symbol is visible. No need to insert it into the terminal or to enter your PIN code for a maximum amount of 50 EUR per transaction. And for a maximum of 100 EUR for consecutive “contactless” transactions.
"}},{"title":"How can I activate/deactivate contactless payments?","richBody":{"value":"The contactless feature is activated by default for your debit/credit card but you can easily deactivate it. Deactivate "contactless" feature means that you need to insert your card in a terminal to pay with your card.
For activate/deactivate "contactless payments", follow the instructions hereunder.
"},"textLinks":[{"url":"https://ebanking.ing.be/banking/card-profiler","text":"I activate/deactivate \"contactless payments\""}]},{"title":"How am I informed about the exchange costs when I do a non-Euro payment in a EU country ?","richBody":{"value":"When using your debit card for a non-euro payment in a country member of the European Union, you will receive an SMS free of charge with the exchange costs. The SMS will be sent at the first usage of each non-euro currency each month.
If you have chosen consciously not to share your mobile number with ING, you will not receive this information via SMS.
However, you wiil be informed on your costs in your account statements, via the ING Banking app and via Home'bank / Business'Bank.
The fees charged for your debit card depend on the account it is linked to. In most cases, you are entitled to at least 1 free debit card with your current account. For more details take a look at ING's list of charges for private individuals under current accounts and cards as well as ING's Current Account comparison tool
"}}]},{"componentType":"sectionTitle","title":"Questions about debit cards with the Bancontact and Mastercard logos"},{"componentType":"accordion","accordionList":[{"title":"When will I receive my new card ?","richBody":{"value":"You don't have to do anything. We'll replace your debit card automatically in 2024 or 2025. You'll receive a message when it's your turn.
"}},{"title":"Why am I getting a new debit card?","richBody":{"value":"This new ING debit card with the Mastercard logo offers you a wider coverage for online payments and in-store outside of Europe (wherever you find the Bancontact or Mastercard logo). The Maestro network will gradually disappear for all banks over the next few years.
"}},{"title":"Are there any additional costs associated with this card ?","richBody":{"value":"
No, the replacement card is free of charge.
"}},{"title":"What PIN code should I use with this new card ?","richBody":{"value":"
You keep your current PIN code. However, the card must be activated using the PIN code either when making a payment in a shop or when withdrawing cash from an ATM.
If you have requested the replacement of your debit card for fraud suspicion, loss or theft or because you have not received the debit card you ordered, a new PIN code will be linked to the new debit card you receive.
If you don't remember your PIN, you can check it via the ING Banking app. Check the PIN code of your debit card - ING Belgium.
"}},{"title":"How to activate mobile payments with my new debit card ?","richBody":{"value":"To make mobile payments, add your card via the ING Banking App:
- Apple Pay: Services > Settings > Apple Pay
- Bancontact: Services > Settings > Mobile Payments > Linked Cards
"}},{"title":"What is the difference with a credit card ?","richBody":{"value":"If you have a credit card, you should continue to use it to book flights, hotels or car hire.
If you use your debit card to make such expenses, the amount of the transaction will be debited directly from your current account balance. The amount reserved will be blocked on the ING current account and released once the transaction has been completed.
Insurances are often linked to your credit card and the expenses made with this card are only debited once a month from your current account. If you have an ING Do More package, you also have two insurance policies.
"}},{"title":"Can this card be used online ?","richBody":{"value":"Yes but you must first activate your card using the PIN code by paying in a shop or withdrawing cash from an ATM.
"}},{"title":"Will my online payments automatically be saved ?","richBody":{"value":"Yes, as long as you save your new card number directly on the webshops/websites you regularly use.
"}},{"title":"Can I use my new card outside Europe ?","richBody":{"value":"Yes. Your debit card is activated by default worldwide.
"}},{"title":"What is the purpose of the CVC code on the back of the card ?","richBody":{"value":"The Card Validation Code on the back of the card can be used, as with a credit card, to make online purchases or reservations. It is additional proof that you are the cardholder. This code is as confidential as your card number.
"}}]},{"componentType":"sectionTitle","title":"Services and contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Change my debit card limits","intro":"Increase or decrease my limits for payments and cash withdrawals","image":{"transformBaseUrl":"https://assets.ing.com/transform/68c05a5e-72d8-48a6-a2c5-29ebea790125/icon-inzicht","type":"image","width":200,"original":"https://assets.ing.com/m/7c87c8861ed7f6b1/original/icon-inzicht.png","extension":"png"},"link":{"url":"https://ebanking.ing.be/banking/modify-limits-debit-card?EW=true"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"PIN lost and card blocked?","intro":"Check your PIN and unblock your card.","image":{"transformBaseUrl":"https://assets.ing.com/transform/4c8953d9-92e8-4563-a14d-606f8d63b38a/Security_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/700614a91374239c/original/Security_Outline_RGB.png","extension":"png"},"link":{"url":"/en/individuals/daily-banking/consult-pin"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Phishing","body":"How do you recognize internet fraud?","image":{"transformBaseUrl":"https://assets.ing.com/transform/8dc0bf1d-47e0-49ec-86e6-b32cd0dc7092/phishing-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/101eb7fcc28e6469/original/phishing-1920.jpg","extension":"jpg"},"date":"2016-04-13","link":{"url":"/en/individuals/fraud-and-security/online-fraud/recognize-phishing"}}]}]}}}