Q: Can I use my ING debit card to access my online banking ?

Your ING Debit Card gives you access to: Home’Bank , ING's online bank CASH points or cash dispensers at ING branches, where you can do your banking yourself. Your debit card can also be used to create your Mobile Banking profile, so you can do your banking via your smartphone.

Q: What are the payment, transfer and withdrawal limits ?

For small purchases below 50 euros , it is possible to make payments without entering your PIN. After making a total 10 0 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 .

Question 1

Can I use my ING debit card to access my online banking ?

Accepted Answer

Your ING Debit Card gives you access to:

Home’Bank, ING's online bank
CASH points or cash dispensers at ING branches, where you can do your banking yourself.

Your debit card can also be used to create your Mobile Banking profile, so you can do your banking via your smartphone.

Question 2

How does a reservation for a transaction with a debit card work?

Accepted Answer

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?

Initial authorisation: When a transaction is initiated, the merchant makes an authorisation request to ING, which checks whether your available amount is sufficient to cover the maximum amount of the transaction.
Funds reservation: If the authorisation is granted, the funds are reserved, which temporarily reduces the available amount on your account. The amount of this reservation can be adjusted later. Example:
- Buying fuel: the initial amount of the reservation is set by the merchant
and is greater than the potential purchase. Once you have filled up, the
reservation is adjusted to the actual purchase amount and your available
amount is updated.
- Guarantee (hotel, car rental, etc.).
- Transactions in foreign currency: the reservation in euro is an estimated
amount. The final amount of the transaction will be determined based
on the exchange rate at the time of processing.
Transaction processing: The transaction is then processed by the merchant. This process can take from a few minutes to several days. Once the transaction has been finalised, the funds reserved are either confirmed and debited from your account or cancelled.

Consequences for the cardholder:

Reduced available amount: The amount reserved is temporarily inaccessible, affecting the amount available for other transactions.
Reservation time: This process can take from a few minutes to several days, depending on the merchant's practices.
Cancellation: If a purchase is cancelled, the funds reserved will be released as soon as the merchant informs us.

Question 3

How can I activate/deactivate "online payments"?

Accepted Answer

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 "online payments" from your ING Banking app, follow the instructions hereunder.

Tap 'Services' at the bottom right.
Select 'Cards'.
Choose 'Debit cards' or 'Credit cards'.
Tap 'Online payments'.

Question 4

Is using my debit card secure ?

Accepted Answer

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.

Question 5

How can I block/unblock temporarily my card?

Accepted Answer

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, 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 on +32 78 170 170 (Sending a new ING debit card costs 9,99 euros).

Please note: if you temporarily block your card, you cannot use it for:

withdrawals, payments (including mobile payments using Apple Pay, Google Pay or Bancontact),
automatic recurring payments for online subscriptions (streaming, firewall, music, …) linked to your card or
connecting to Home'Bank/Business'Bank with your ING card reader

For blocking your card temporarily, please follow the instructions hereunder.

Question 6

What are the payment, transfer and withdrawal limits ?

Accepted Answer

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.

Question 7

Where can I use my debit card ?

Accepted Answer

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. You can also use your card to make payments and withdrawals all over the world.

Caution ! However, there is no 100% guarantee that the debit card will be accepted everywhere. For example, some ATMs do not accept Maestro/Mastercard in Indonesia, Malaysia, Peru, Ecuador, Bolivia, Costa Rica, USA and Japan.

We still advise the client to use his credit card when traveling outside Europe.

Question 8

How does a contactless payment work ?

Accepted Answer

“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. For purchases over 50 euros, simply tap your card and enter your PIN to confirm.

Question 9

How can I activate/deactivate contactless payments?

Accepted Answer

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.

To activate/deactivate the contactless payments, follow the instructions hereunder:

Open your ING Banking app or Home'Bank and select ‘Services’ , then 'Cards' and choose '(De)activate contactless payments'.

Question 10

How am I informed about the exchange costs when I do a non-Euro payment in a EU country?

Accepted Answer

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.

Question 11

How do I get an additional debit card?

Accepted Answer

ING Packs offer one debit card per holder. You can obtain an additional card for the second holder or mandate holder of your current account.

Question 12

Fees, charges and regulations

Accepted Answer

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. The General Conditions for the debit cards can be found on "Information and regulations"/"Daily Banking"/"General Conditions".