Withdraw cash at any time

Withdraw cash from all ING Luxembourg ATMs and from all other ATMs displaying the "Visa" logo in Europe.

Change your PIN code

You can change your PIN code at any ING Luxembourg ATM.

Pay for purchases in stores

You can pay for your purchases in any store in Europe that is affiliated with the Visa network.

You can use the V PAY card to withdraw cash and make purchases in Europe.

The V PAY card allows you

In the Grand Duchy of Luxembourg:

  • to withdraw cash at any time of the day or night from all ING Luxembourg ATMs and from all other ATMs displaying the "Visa" logo.
  • to pay for purchases in stores affiliated with the Visa network.
  • to change your PIN code at an ING Luxembourg ATM.

In Europe:

  • to withdraw cash from all ATMs displaying the "Visa" logo.
  • to pay for purchases in stores affiliated with the Visa network.


The ING Luxembourg V PAY card gives you access to features that will make your life easier:

  • You choose your own PIN code.
  • You can check your balance on our ATMs.
  • You can deposit money at all the ATMs of ING Luxembourg.
  • You yourself set your spending limits.

Conversion rates

The rate applicable for foreign currency transactions made with a V PAY card, will be the Visa International rate + a 1% margin.

You will find here more details about the costs applicable for foreign currency transactions, by card, in Europe.

ING Luxembourg S.A. uses trade names to designate some services linked to a payment account and invites consumers to refer to the glossary provided in the General Terms and Conditions of the Bank and in the Pricing Extract in order to identify the corresponding terms on the standardised list of services.

I am a customer

I want to become a customer

Articles that might interest you

  • The queen of cards. There are many different types and they offer many possibilities other than cashless payment, from differed repayment to additional guarantees on purchases.

  • 3D Secure is an internationally recognised security standard for online payments. The service is limited in Luxembourg to credit cards.

  • If it’s true that when we shop in a store and handover physical cash, the pain of paying finds the act prompts more awareness about spending, and parting with cash may even hurt a bit more than swiping a bank card.

How can we help?

My ING - Your online banking solution

Log in and do your transactions when and where you want.

  • My ING, the online banking solution for individuals
  • My ING Pro, the online banking solution for business


My Team - Your Contact Center

For support on online banking, information on our products and our services or any other question, your Contact Center is available from Monday to Friday, 08.00 am to 06.00 pm.

Contact for the press

My Experts - Your network of branches

A network of 16 branches at your disposal.