ING-DiBa is one of Germany’s most trusted direct banks, offering user-friendly financial products tailored to everyday needs.
Among its popular services is the ING-DiBa Visa Credit Card, known for low fees and flexible management options.
This guide explains how to apply for the card and utilize its features to maintain control over your finances.
Types of ING-DiBa Credit Cards
ING-DiBa offers a straightforward, practical credit card setup designed for daily use.
Here’s what you can get:
ING-DiBa Visa Card (Debit/Credit Hybrid)
- Linked to your Girokonto, this Visa card works like a debit card with credit features. Payments are deducted right away.
Optional Overdraft (Dispokredit)
- This lets you overdraw your account by a set limit. It’s not a credit card but acts like short-term credit.
No Revolving Credit Card
- ING-DiBa doesn’t offer a standard credit card with monthly billing. Their Visa Card is made for real-time balance control.
Key Features and Benefits
The ING-DiBa Visa Card offers straightforward features designed for everyday spending and financial control. Here are the main benefits you can expect:
- No Annual Fee: The card is free of charge when used at least once a month.
- Free ATM Withdrawals in Eurozone: Withdraw cash without fees at ATMs across the Euro area.
- Global Acceptance: Use the card worldwide anywhere Visa is accepted.
- Mobile Payment Integration: Compatible with Apple Pay and Google Pay for contactless payments.
- Real-Time Spending Control: Transactions are deducted immediately from your Girokonto, making it easy to track expenses.
- Strong Security Features: Includes instant card blocking, transaction alerts, and spending limits via the ING app.
- Online and In-App Management: Easily manage your card, set limits, or enable international use through the ING app or online banking.
Eligibility Requirements
To apply, you need to meet a few basic conditions.
These help ensure you’re financially ready and meet legal requirements in Germany:
- You must be at least 18 years old: Applicants need to be legally recognized as adults.
- You must live in Germany: A registered address in Germany is required.
- You need a regular source of income: Employment or other stable income is typically expected.
- You must pass a SCHUFA credit check: A good credit history increases your chances of approval.
- You need valid identification: ID verification is done through PostIdent or VideoIdent.
How to Apply Online
The application process is quick and fully digital. You can complete it in a few steps using your laptop or smartphone:
- Visit the official website or download the mobile app: Start your application directly through ING’s digital platform.
- Select the product and click “Jetzt beantragen.”: Choose the card linked to your checking account.
- Fill in your personal and financial details.: Enter your name, address, income, and employment info.
- Verify your identity: Complete ID verification using VideoIdent or PostIdent.
- Wait for approval and card delivery: If approved, your card will be mailed to you within a few days.
Managing Your Card via Mobile App
Once your card is active, the ING mobile app makes it easy to stay in control.
Here’s what you can do right from your phone:
- View transactions in real-time: Check your spending history instantly after each purchase.
- Set or adjust spending limits: Control how much you can use daily or monthly.
- Enable or disable international usage: Turn on global use only when needed for added security.
- Block or unblock your card instantly: Temporarily freeze your card if it’s lost or stolen.
- Activate or deactivate contactless payments: Choose whether your card can be used for tap-to-pay purchases.
- Set up payment alerts: Get push notifications for every transaction.
Interest Rates and Fees
Understanding the associated costs is essential for managing your finances effectively. Here’s a breakdown of the key interest rates and fees:
- Annual Fee: €0 when the card is used at least once per month.
- Foreign Transaction Fee: 2.20% for non-Euro payments, with a minimum of €1.
- Cash Advance Fee: 3% of the amount withdrawn, with a minimum charge of €3.
- Late Payment Fee: €30 if the minimum payment is not made by the due date.
- Over Limit Fee: €0; no fee for exceeding the credit limit.
- Replacement Card Fee: Free for both domestic and international replacements.
- International ATM Withdrawal Fee: €5 per transaction.
- Interest Rate on Purchases: 14.0% per annum.
- Interest Rate on Cash Advances: 12.99% per annum.
Using the Card Abroad
If you plan to travel, your card can be a reliable tool for international payments. Here are the key points to know when using it outside Germany:
- Accepted Worldwide via Visa Network: Use it for purchases and withdrawals anywhere Visa is accepted.
- Foreign Transaction Fees Apply: A 2.20% fee is charged on purchases made in non-euro currencies.
- Enable International Use in the App: You must activate foreign usage in the ING app before traveling.
- ATM Withdrawals May Include Fees: Cash withdrawals outside the Eurozone often incur a €5 fee per transaction.
- Stay Protected with App Controls: Block the card instantly if lost or stolen, even while abroad.
- Watch for Dynamic Currency Conversion (DCC): Choose to be charged in local currency to avoid hidden conversion costs.
Customer Support and Contact Info
If you need help with your account or card, ING-DiBa offers several ways to get in touch:
- Phone Support: Call +49 69 50 50 90 69 for general inquiries.
- Email Support: Send an email to info@ing.de.
- Mailing Address: ING-DiBa AG, Theodor-Heuss-Allee 2, 60486 Frankfurt am Main, Germany
- Online Help Center: You can access the Help Center through the bank’s official website to find FAQs and self-service options.
- Social Media: Connect on Facebook.
Budgeting Tips for Credit Card Users
Using your card wisely can help you stay on top of your finances and avoid unnecessary debt. Here are simple tips to manage your spending effectively:
- Track All Transactions: Use the mobile app to review your spending regularly.
- Set Monthly Limits: Define a maximum spend amount to avoid going over budget.
- Pay the Full Balance: Always aim to pay the full amount each month to avoid interest charges.
- Use Categories to Analyze Spending: Break down purchases by type (e.g., groceries, transport) to spot trends.
- Enable Alerts and Reminders: Turn on notifications for purchases and due dates to stay informed and on top of your tasks.
- Avoid Impulse Buys: Wait 24 hours before making non-essential purchases.
- Review Your Budget Monthly: Adjust your spending plan based on how well you followed it last month.
The Bottomline
The ING-DiBa credit card is a reliable and easy-to-manage option that fits well with today’s financial habits.
With no annual fee, strong app-based controls, and worldwide usability, it’s a smart choice for everyday spending.
If you’re ready to take better control of your finances, apply today through ING’s website or mobile app.
Disclaimer
Information in this article is for general guidance and may not reflect the most current terms or conditions.
Always refer to ING-DiBa’s official website or contact customer service for the latest updates before applying.
