ING Visa Card
Solid Visa debit card with the ING checking account and a German IBAN.
Score: 7.4 / 10 · Good
Rating: 8.5 / 10 · 7.450 reviews
Best for: ING customers
Overview
The ING Visa Card is a debit card from ING on the Visa network. Solid Visa debit card with the ING checking account and a German IBAN. It comes with no annual fee on a permanent basis. A surcharge of 2.2 % applies to payments in foreign currency.
Who is it for?
Our take: ING customers. Its strengths lie in mobile payments. It is issued with a German IBAN. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 7.4 / 10 · Good
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 3.1 / 10 |
| Cash worldwide (14 %) | 4.8 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 3.6 / 10 |
| Community signal (12 %) | 8.7 / 10 |
Highlights
- Account free from €1,000 monthly income or under 28
- Pay & withdraw free in euros
- German IBAN
- Apple Pay & Google Pay
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Visa |
| Issuer | ING |
There is no annual fee. Outside the euro area a 2.2 % foreign currency fee applies. A fee of 2.2 % applies to cash abroad. Cash withdrawals in Germany are free. Billing: Immediate deduction from the current account on each payment.
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This card in our comparisons: Free Credit Cards · Debit Credit Cards · Visa Credit Cards Compared
Related guides: Virtual credit cards, Apple Pay & Google Pay · Types of credit cards in Germany explained · Student credit cards in Germany: what matters
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Frequently asked questions
- What does the ING Visa Card cost per year?
- The ING Visa Card has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the ING Visa Card charge foreign currency fees?
- Yes. Outside the euro area the ING Visa Card charges a 2.2 % foreign currency fee.
- Is the ING Visa Card a genuine credit card?
- The ING Visa Card is a debit card — transactions are debited directly from your account.
- Does the ING Visa Card require a SCHUFA check?
- Yes, ING runs a SCHUFA credit check for the ING Visa Card; a negative SCHUFA record can lead to rejection.
- How is money on the ING Visa Card protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. Additionally voluntary BdB deposit protection fund (up to €3 million for private customers, as of 2026). ING-DiBa AG, Frankfurt.