Q: How much does an ING Visa Classic credit card cost?

Administration fee: an ING Visa Classic credit card costs 27 euros per year, and 10 euros if you are aged under 26. Payments: use the card to pay in hotels, restaurants, shops, supermarkets, and more within the euro zone at no extra charge. For payments made outside the euro zone, a foreign exchange margin of 2% will be applied. Cash withdrawals: if you use the card to withdraw cash in euro from an ATM, a fee of 6 euros + 1% of the amount withdrawn is applied. If you withdraw cash in euro from a bank branch, the fee is 8 euros + 1% of the amount withdrawn. For withdrawals outside the euro zone, a foreign exchange margin of 2% is applied to the amount withdrawn. Replacement card: free in case of a defect. 9.99 euros in the event of loss or theft. Spending limit increase: free if requested online or by phone. If requested at an ING branch, also free if you have an ING Green Account or 5 euros for holders of an ING Lion Account.

Q: How and when do I pay for my purchases done with my ING Visa Classic credit card?

Hassle-free repayments: with your ING Visa Classic credit card, your monthly expenditure is repaid automatically. Each period is closed on the 27th of the month. The total amount owing for this period is then automatically debited from the ING Current Account linked to your ING Visa Classic credit card 9 calendar days later.

Question 1

I want an ING Visa Classic! Can I have one?

Accepted Answer

Are you a private individual aged 18 or over? Already have an ING Current Account? You are eligible to apply for an ING Visa Classic credit card, the convenient way to pay worldwide!

Question 2

How much does an ING Visa Classic credit card cost?

Accepted Answer

Administration fee: an ING Visa Classic credit card costs 27 euros per year, and 10 euros if you are aged under 26.
Payments: use the card to pay in hotels, restaurants, shops, supermarkets, and more within the euro zone at no extra charge. For payments made outside the euro zone, a foreign exchange margin of 2% will be applied.
Cash withdrawals: if you use the card to withdraw cash in euro from an ATM, a fee of 6 euros + 1% of the amount withdrawn is applied. If you withdraw cash in euro from a bank branch, the fee is 8 euros + 1% of the amount withdrawn. For withdrawals outside the euro zone, a foreign exchange margin of 2% is applied to the amount withdrawn.
Replacement card: free in case of a defect. 9.99 euros in the event of loss or theft.
Spending limit increase: free if requested online or by phone. If requested at an ING branch, also free if you have an ING Green Account or 5 euros for holders of an ING Lion Account.

Question 3

What is the limit for this credit card?

Accepted Answer

The standard monthly spending limit is set at 2,000 euros. If you would like to increase this limit, you can make a request via the "Service" tab in Digital Channels. Your request will be submitted to an advisor for approval.

Question 4

How can I increase the limit on my ING Visa Classic from the ING Banking app?

Accepted Answer

From the "Overview" tab, press "Services" at the bottom right of your screen. Then select the "Cards" option in the "Do it yourself" menu. Then choose "Modify your credit card limit” and follow the various steps.

Question 5

How secure are my online purchases?

Accepted Answer

Thanks to Verified by Visa, you can use your credit card with total peace of mind at all participating web shops. Your internet purchases are also insured against non-delivery or faulty delivery up to 750 euros per year. Discover the 3 free insurances you benefit from with your ING Visa Classic, including the Internet purchase delivery cover

Question 6

What types of insurance are included?

Accepted Answer

Your ING Visa Classic credit card comes with 3 different types of insurance cover at no extra charge.

The buyer's guarantee
Internet purchase delivery cover
Travel accident insurance

Discover here the insurance offer and how to submit a claim file.

For all other information about this insurance, please refer to the general terms and conditions.

Question 7

How do I activate my ING Visa Classic credit card once I receive it?

Accepted Answer

Simply follow these simple steps or take a look at our videos to manage your debit and credit cards.

Question 8

What do I need to do to use my credit card abroad?

Accepted Answer

Unlike some banks, your ING Visa Classic credit card is automatically activated for international use. No special action is required on your part. You have the freedom to make payments and withdraw cash in any country, completely securely.

Question 9

Can I use the card to make cash withdrawals

Accepted Answer

Of course! You can use any ATM or bank terminal displaying the Visa logo, both in Belgium and abroad. N.B. : It is not possible to deposit money on a credit card.

Question 10

How and when do I pay for my purchases done with my ING Visa Classic credit card?

Accepted Answer

Hassle-free repayments: with your ING Visa Classic credit card, your monthly expenditure is repaid automatically. Each period is closed on the 27th of the month. The total amount owing for this period is then automatically debited from the ING Current Account linked to your ING Visa Classic credit card 9 calendar days later.

Question 11

How do I keep track of my expenses?

Accepted Answer

Check how much you’ve spent during the current and previous month via our secure smartphone app or Home’Bank. You’ll get a detailed picture of your spending and how much you can still pay with your ING Visa Classic credit card.

Question 12

A question related to my credit card spending?

Accepted Answer

Information relating to transactions carried out using your credit card is available on macarte.be.
You will find in particular

how to request a copy of your statement
how to dispute a purchase

Question 13

How long is my credit card valid?

Accepted Answer

The validity of your credit card is 5 years. It is automatically renewed and a new card is sent 2 months before the expiry date.

Question 14

Where can I find my credit card expenditure statements?

Accepted Answer

ING credit card monthly statements are available free of charge

online, via Zoomit
or in paper format, sent by post

If you receive your account statements electronically, your credit card expenditure statements are also available online, via Zoomit. Registration in Zoomit is automatic; you don't have to do anything!

Find out in detail how it works.

If you receive your credit card expenditure statements in paper format, you can manage the delivery method in the ING Banking app and Home’Bank, and opt for the electronic version.

Question 15

How can I change the way I receive my ING Visa Classic statements?

Accepted Answer

From the "Overview" tab, press "Services" at the bottom right of your screen. Then select the "Cards" option in the "Do it yourself" menu. Then choose "Change the reception of your credit card statements” and follow the various steps.

Question 16

Card lost or stolen?

Accepted Answer

Block your credit card online via Home'Bank or Business'Bank or call Card Stop on +32 70 344 344 (0.30 euro/min) . You will automatically receive a new credit card at your home address. Visit this page for more information.

Question 17

How do I block or delete a direct debit on my Visa Classic credit card?

Accepted Answer

To block or remove a direct debit in euros (SEPA) from your Visa Classic credit card, you need to contact the website or your direct debit supplier directly.

Question 18

What should I do if I encounter an error when applying for a Visa Classic credit card?

Accepted Answer

First check that the details you have entered are correct. It is also possible that your identity card is no longer up to date in our system. You can update your identity card by entering its PIN code at the Kiosk in an ING branch. It may also be a technical problem. Please try with another browser or reset your browser cookies.

Question 19