Did you know that your Visa card is linked to a Visa account that is independent of your current account?

Associating the Visa card with a separate account gives you more flexibility in relation to your card's usage limits.

How do I manage my expenses?

An unexpected expense? An impulse to finance? The Standby Credit Facility gives you access to additional funds at any time.
By adding a standby credit facility to your current account, you have a permanent credit facility making it easier to meet your needs at any time.

If you have a much larger one-off expense, you simply top up your Visa account (or "top up your Visa card") via a simple account-to-account transfer. You can then use your card immediately.

E.g.: you need to book a vacation for you and your family for an amount of 5000 euros but your credit line does not cover this need. Simply transfer the necessary amount to your Visa account to complete your transaction.

You can easily make this operation anytime anywhere through My ING app available on your smartphone, tablet, computer...

How does the credit line linked to my Visa account work?

The minimum monthly repayment required is 10% of the balance shown on your statement. This must be done by the 5th of the month following the statement.

Any reimbursement of less than 10% of the balance and/or made after the 5th of the month will generate a late fee (see extract from the tariffs).

If you have opted for an automatic refund at 100% or 10%, you only need to ensure that the current account from which your VISA statement is paid has sufficient funds on the 5th of the month.

If you have opted for a manual transfer or a fixed amount, you must ensure that the amount of the transfer is sufficient and/or that it is made before the 5th of the month following your statement.

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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.

How can we help?

My ING - Your online banking solution

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  • My ING, the online banking solution for individuals
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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, 08.30 am to 06.00 pm.

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