ING Visa Classic

If you are a private individual aged 18 or over and you hold an ING Current Account, you can enjoy payment convenience around the world with an ING Visa Classic credit card.

• Administration fee: The ING Visa Classic card costs 18 euros per year.
  If you are aged under 25, however, the annual charge for your Visa card is just 10 euros.

• Payments: All payments you make (in hotels, restaurants, stores and supermarkets, etc.) are free within the euro zone. The euro zone refers to all the countries that have chosen the euro as the single currency. Outside this zone, a foreign exchange margin of 1.6% is added to your payment amount.

• Cash withdrawals: To withdraw cash from ATMs, you pay a fee of 4.96 euros + 1% of the amount withdrawn. To make withdrawals at bank branches, you pay a fee of 6.96 euros + 1% of the amount withdrawn. Outside the euro zone, you pay a foreign exchange margin of 1.6% of the amount withdrawn.

• Pay anywhere in the world: with your ING Visa Classic, you can pay for your purchases in no time at all at any retailer displaying the Visa logo, in Belgium or abroad. It's quick and easy: all you need to do is enter your PIN or sign to confirm your payment!

• Withdraw money wherever you are: need cash? You can also use your ING Visa Classic to withdraw money anywhere. Just look for ATMs and branches displaying the Visa logo, both in Belgium and abroad!

• Secure online shopping: thanks to Verified by Visa, you can use your credit card completely safely at all participating online outlets. Your internet purchases are also insured against non-delivery and faulty delivery up to a limit of 500 euros and a maximum of 1,000 euros per year.

• Travel abroad with peace of mind!: are you planning a trip abroad? ING automatically activates your credit card for international use, which is not the case with all banks. This means you have no action to take. Your credit card is not restricted to any particular region, so you have the freedom to make payments and withdraw cash in any country, completely securely.

As the holder of an ING Visa Classic, you have 3 types of free insurance.

• The buyer's guarantee: purchases you make with your ING Visa Classic are covered against accidental damage, street robbery and burglary for a period of 90 days after payment was made and up to a limit of 500 euros per claim and a maximum of 1,000 euros per year. Individual items with a cost of 50 euros or more (inclusive of VAT) are also covered, providing they were paid for in full with your ING Visa Classic card.

• Internet purchase delivery cover: this insurance policy protects purchases you make online using your ING Visa Classic. The policy can be triggered if your order is not delivered within 30 calendar days of the first payment, or if the item or service ordered does not match that described on the order form with a limit of 500 euros per claim per year. Individual items with a minimum cost of 50 euros (inclusive of VAT) are also covered, providing they were paid for in full with your ING Visa Classic.

• Travel accident insurance: this policy covers trips you make using public transport (by air, rail, road, etc.) or in a rental car that were paid for in full using your ING Visa Classic. This insurance only covers international travel for a maximum of 60 consecutive days. You are insured for a maximum of 100,000 euros in the event of your death or permanent disability. You are entitled to additional compensation worth up to 30,000 euros to cover investigation, rescue and repatriation costs.

Go to the Self Service ING Visa Classic to find all the information you need to submit your claim form correctly.

• Check your expenditure when you want: you can check how much you have spent during the current and previous month using Home'Bank and our secure applications for smartphone and tablet. And you can see a detailed picture of your spending and available cash. As a result, you always know how much money you have available to pay for purchases with your ING Visa Classic.

• Hassle-free repayments: with your Visa card, your monthly expenditure is repaid automatically. Spending on your account closes on the 27th of every month and the ING Current Account linked to your Visa card is debited 9 calendar days later. So you have nothing to worry about! The standard monthly spending limit is set at 2,000 euros. If you would like to increase this limit, you can make a request at your ING branch.

Can’t find your bank card? Call Card Stop immediately on 070 344 344 (+32 70 344 344 from abroad) to block your card or order a new one.

Your application via www.ing.be, for an ING Visa Classic is valid subject to acceptance by ING Belgium and does not bind you as long as you have not signed the Visa Classic contract either via Home’Bank or at your ING branch (subject to prior acceptance of your file by ING Belgium. ING has taken out insurance policies for its ING Visa Classic customers with

• Allianz AWP P&C S.A.- Belgian branch, rue des hirondelles 2, 1000 Bruxelles. Register of Companies 0837.437.919. Insurance company registered under FSMA-number 2769.

For details of the conditions, exclusions and limitations of the aforementioned insurance, please see the General Terms and Conditions of your Visa card in any ING branch and at www.ing.be.