Why the ING Mastercard Gold card could be an ideal choice

The credit card ING Mastercard Gold is perfect for those looking for simplicity and flexibility.

It is linked to the Conto Corrente Arancio from ING Direct. It is ideal for everyday purchases and travel thanks to Mastercard and ING’s digital services.

The main benefits include a customisable PIN and full management through the ING app. You can also pay for purchases in instalments with Pagoflex. The fee is low and can be waived with ING Direct offers, making the card cost-effective.

The card is provided free when you open a conto Arancio, or you can request it later. It is part of the ING Direct ecosystem, which brings together an account, an app and services for a modern user experience.

ING Bank has strong capital indicators. Its CET1 ratio above 14% provides reassurance for those seeking security before choosing a credit card.

For those looking for competitive fees, cashback and loyalty programmes, the keywords are credit card, ING Direct and ING Mastercard Gold. They guide you towards a balanced choice in terms of costs, services and reliability.

Overview of the ING Mastercard Gold card

The ING Mastercard Gold is a high-quality credit card. It is designed for those who want extra services compared with a basic card. It offers protection for travel, online purchases and other safeguards typical of premium cards.

It is linked to your conto corrente Arancio. You can apply when you open your ING account or later, through your personal account area.

Below, we look at the details of the costs and requirements. This will help you understand whether it is the right choice for you.

Card type and payment network

This card is a Mastercard Gold. It supports Mastercard Identity Check security. It is perfect for everyday use, travel and online purchases.

It offers extra services and protection. This makes it suitable for a wide range of needs.

Fees, issuance and basic terms

The monthly fee is 2 €. You can get the card free, with no issuance or renewal costs. The fee is waived if you spend at least 500 € a month or activate Pagoflex.

Costs include cash withdrawal fees of 4% (minimum 3 €), foreign currency transactions at 2% and debt recovery at 10%. Blocking the card is free.

Application requirements

To get the card, you must have a conto corrente Arancio. You must have your salary or pension paid into it. Alternatively, you must demonstrate an available balance of at least 3,000 € or an average balance over 30 days.

In some cases, ING may require a minimum income or a salary payment of 750 €. To apply, you need a valid identity document, tax code, email address and mobile number.

Item	Details
Card type	Mastercard Gold, premium cards for everyday use, travel and online shopping
Payment network	Mastercard network with Mastercard Identity Check
Credit card fee	2 € / month; can be waived with monthly spending ≥ 500 € or activation of Pagoflex
Free card issuance	0 € for issuance and renewal
Additional costs	Cash withdrawals 4% (min 3 €); foreign currency transactions 2%; debt recovery 10%
Linked account	Conto corrente Arancio; opening an ING account is required if you are not already a customer
Credit card requirements	Salary/pension paid into the account or an available or average balance ≥ 3,000 €
Possible minimum income requirement	A minimum income or salary payment of 750 € may be required when applying
Documents	Valid identity document, tax code/health card, email, mobile number

credit card, ING Direct, ING Mastercard Gold

The combination of credit card, ING Direct and ING Mastercard Gold offers a comprehensive choice. This makes it easy to understand costs, reliability and features.

Why the three keywords are representative

The term “credit card” indicates the type of service and the benefits being sought. ING Direct is the institution offering the product and its deals. ING Mastercard Gold is the specific version with its own terms and benefits.

How these entities fit into the offering

The card is linked to the conto Arancio and other ING Direct services. This connection makes it easier to access solutions such as Pagoflex and Travel Pack.

The ING Mastercard Gold loyalty programme offers incentives such as cashback or promotions. ING Direct offers include fees that can be waived and temporary promotions to reduce costs.

Day-to-day management is made easier by integrated banking services. The card’s benefits include compatibility with Apple Pay and Google Pay. The ING ecosystem improves customer loyalty by offering access to products such as mortgages or deposits.

Practical benefits of the card for everyday use

The ING Mastercard Gold card is designed for those who use it every day. The app simplifies management and makes payments fast, secure and traceable.

Customisation and control

Customising the PIN is immediate. You can change it directly through your secure account area or the app. Users can set daily and monthly spending limits according to their needs.

If the card is lost, you can suspend it with a tap in the app. Push notifications help you monitor spending in real time and keep your budget under control.

Digital payments and compatibility

The card works with Apple Pay and Google Pay. This makes digital payments fast both in shops and online. The contactless feature allows transactions of up to 50 euros without entering the PIN.

ING also offers a reloadable virtual card for secure online purchases. Fingerprint or facial recognition authentication in the app ensures convenience and protection.

Pagoflex: paying for purchases in instalments

Pagoflex lets you spread the cost of purchases of 200 € or more over instalments. You can choose 3, 6, 9 or 12 months directly from your online account or the app.

Activating Pagoflex for one or more purchases splits the cost into instalments. This avoids using external personal loans or online loans. Having Pagoflex active can help waive the card’s monthly fee.

• Quick instalment plans for planned purchases.
• Full control through the app, with clear summaries and due dates.
• A practical way to avoid external financing for major expenses.

Security and anti-fraud services

Card protection is essential for ING Mastercard Gold holders. ING invests heavily in security and customer education. This demonstrates the bank’s financial strength and its customers’ trust.

The bank’s reliability

ING is among the most financially sound banks in Europe. Its financial stability is evident from its capital figures.

The bank regularly updates its anti-fraud policies. It also runs campaigns against phishing and scams to keep customers informed.

Authentication and digital protection

Mastercard Identity Check is active for online payments. It verifies every transaction using two-factor authentication. The app supports fingerprint or facial recognition.

Digital protection measures include SMS verification and tools to distinguish official communications from scams. These measures improve security when shopping online.

Emergency features

If the card is lost, the app lets you block it quickly. This service is free and can be suspended with a tap.

Customers have access to emergency services and contact numbers for assistance abroad. Telephone support and chat are available to help while travelling.

Area	Service	Benefit
Payment protection	Mastercard Identity Check	Two-factor authentication for online purchases
App access	Biometric authorisation	Secure, quick access to transactions
Communications	SMS verification “Is it really ING?”	Reduces the risk of phishing
Emergencies	Card blocking and emergency card services	Immediate action in the event of theft or loss
Support	Dedicated numbers and assistance abroad	Prompt assistance in Italy and abroad
Financial strength	High CET1 ratio	A guarantee of financial stability and trust

Costs, limits and fees to consider

The ING Mastercard Gold card has costs and restrictions you should know about. It is important to understand the charges, fees and conditions for retaining its benefits.

Monthly fee and ways to waive it

The monthly fee is 2 €. It can be waived by making at least 500 € in purchases per month. Alternatively, activating Pagoflex gives you a waiver of the monthly fee.

There are no fees for issuing or renewing the card. Waiving the monthly fee encourages regular use of the card, offering real savings.

Withdrawal fees and foreign currency transactions

Withdrawals carry a 4% fee, with a minimum of 3 €. In Italy, the lack of ING ATMs may result in extra fees.

Foreign currency transactions carry a 2% surcharge. The Travel Pack can cover some of the costs and surcharges.

Credit limit and withdrawal limits

The standard card credit limit is 1,500 € per month. You can request a credit limit increase, subject to the bank’s assessment.

The daily withdrawal limit is 600 €. The monthly spending limit is the same as the monthly credit limit, for example 1,500 €.

You can change the credit limit and withdrawal limit through the app or your online account. The fee schedule lists all charges and conditions, including the 10% debt recovery fee.

Item	Value	Notes
Monthly fee	2 €	Can be waived with 500 € in purchases/month or an active Pagoflex plan
Issuing and renewal	Free	No initial cost
Withdrawal fee	4% (min. 3 €)	Possible additional fees at third-party ATMs
Foreign currency transactions	2% markup	Travel Pack can reimburse some of the costs
Overseas withdrawal fees	Variable	Depend on the ATM and international agreements
Card credit limit	1,500 €/month	Increase subject to request and checks
Daily withdrawal limit	600 €	Can be changed in the app within the permitted limits
Monthly spending limit	Equal to the credit limit	Typical example: 1,500 €
Debt recovery fees	10%	Specified in the fee schedule

How to apply for and activate the ING Mastercard Gold card

Getting and activating the ING Mastercard Gold card takes just a few steps. Everything can be done online. You can apply when opening a Conto Corrente Arancio or later through the website or app.

Those who prefer the app will find a straightforward process. Those who prefer the web will find similar steps on the website.

In online banking, select “Credit Card” and then Mastercard Gold. The system will ask for your personal details and preferences. Then simply follow the steps shown in the app or on the website, enter the code and wait for the card to be sent by post.

Documents and activation times

To apply, you need an identity document, tax code, email address and mobile phone number. These documents are required both online and when using a paper form.

The card is sent by post. Activation times include postal delivery and online activation. Once you receive it, activate it by entering the CVV in the secure customer area or app.

If you receive a paper form, you must sign it and send it back to ING. Follow the instructions provided.

Alternative eligibility requirements

Besides having your salary paid into the account, there are alternative requirements. You can obtain the card with a minimum balance of 3,000 €. Some application processes require a salary payment of at least 750 € per month.

For young people, Conto Corrente Arancio Più offers preferential terms. There are no account fees and the card is free if certain requirements are met.

Customer service, app and day-to-day management

The ING Mastercard Gold card is known for its high-quality customer service. ING customer service can be reached in several ways. You can ask for help with problems, get information on promotions or deal with situations such as losing your card.

On the website and in the secure customer area, you can use the quick chat for non-urgent questions. ING chat is perfect for blocking your card or asking about Pagoflex. For emergencies, the ING freephone number is best: from a landline, 800 71 72 73; from a mobile or abroad, 02 999 67 89.

Support hours are convenient: Monday to Friday from 8:00 to 22:00 and Saturday from 8:00 to 18:00.

Telephone and chat support

ING customer service offers human and digital support. To block your card or report fraud, calling the ING freephone number is the quickest option. ING chat is available in the customer area and ING app for other enquiries.

Chat is useful for quick confirmations about Pagoflex, information on ING Direct promotions or details about Travel Pack. You can also report problems directly through the app for quick answers.

ING app features

The ING app lets you take immediate action, such as changing your PIN or setting spending limits. You can also temporarily block your card and activate Pagoflex. Card management in the app makes every task quick and easy.

Biometric authentication using fingerprints and facial recognition keeps transactions secure. ING push notifications immediately inform you about transactions and spending summaries. The app is free on Google Play Store and App Store and works on mobile devices.

Additional tools in ING’s offering

ING’s offering includes services to help you save and travel better. Travel Pack reimburses exchange rate markups and foreign currency withdrawal fees. It is available in three versions for different needs.

For those looking to grow their savings, there are promotions on MYMoneyCoach and Deposito Arancio. The terms are favourable if you use the advisory service. Young people can find favourable terms with Conto Arancio and dedicated offers for those under 30.

Finally, there are tools such as the “Mutuo in Vista” calculator and the notifications section. They help you check the authenticity of communications and plan spending and investments.

Conclusion

The ING Mastercard Gold card is perfect for those who want to manage their spending digitally. It offers security and control over spending. Its features include a customisable PIN and quick blocking.

The ING app makes life simpler. The basic fee is low and can be waived by meeting a minimum spending requirement. However, withdrawal fees and limits must be taken into account.

It is useful for those who have or want a Conto Corrente Arancio. It is ideal for those who use digital payments and do not travel much. Before choosing it, check the terms on the ING website.

The benefits include flexibility and security. But you need to consider the additional costs and the requirement to have an Arancio account. This card is a good option for those looking for cashback and loyalty programmes.