What is the ING Business Card?
The ING Business Card is a Mastercard credit card designed specifically for entrepreneurs with an ING business current account. Unlike a prepaid card, the ING Business Card provides a genuine credit line: you can make purchases up to your spending limit and settle the balance monthly. This makes the card well suited for business expenses such as travel, supplier payments and online purchases.
The credit limit ranges from €500 to €10,000, depending on your business situation and ING's credit assessment. The card is exclusively available to ING business account holders — you cannot apply as a private customer or as an entrepreneur banking elsewhere.
The ING Business Card runs on the Mastercard network, guaranteeing broad acceptance at virtually all businesses and webshops domestically and internationally. Mastercard is accepted more widely than American Express, making the card practical for business travel and international purchases.
Costs and conditions
ING charges an annual fee for the Business Card that varies depending on the current promotion — typically around €25 to €40 per year. ING sometimes offers a free period for new business customers; always check the current terms on the ING website for the most up-to-date pricing. This places the annual fee in the budget-friendly category for business cards.
The ING Business Card offers 30 days interest-free provided you settle the full balance each month. If you do not pay in full, ING charges interest of approximately 14% on the outstanding balance. It is therefore advisable to use the card purely as a payment instrument and set up an automatic direct debit for the full monthly balance.
A key feature of the ING Business Card is the BKR registration at business level. The registration is linked to your Chamber of Commerce (KVK) number and does not appear on your personal BKR credit file. This is an advantage if you also want to apply for a private mortgage or personal loan — your business credit does not affect your private BKR profile.
Benefits for business owners
One of the biggest advantages of the ING Business Card is its integration with the ING Business app. All transactions are visible in the app in real time, including instant notifications for every payment. This gives you as a business owner immediate insight into your business spending without having to wait for a monthly statement.
The ING Business Card keeps your business expenses strictly separate from your private account, simplifying bookkeeping. VAT amounts are visible in your business overviews, which is useful at quarterly VAT filing time. Employees can request a supplementary card on the same credit account, enabling multiple people within your company to make business purchases with individual transaction overviews per cardholder.
The ING Business Card includes a business travel insurance for work-related travel, including cancellation coverage in case of unexpected circumstances. As a major Dutch bank, ING also provides a broad service network with personal support via branch, telephone and online — an advantage over purely digital providers.
ING Business Card vs alternatives
Compared to the Knab Business Credit Card (€38/yr, Visa), the ING Business Card is similarly priced. The key difference lies in functionality: Knab offers automatic integration with accounting packages such as Exact Online and AFAS, while ING does not provide this direct link. For entrepreneurs who place high value on automated bookkeeping integration, Knab is the better choice.
Against Revolut Business, the ING Business Card has the advantage on credit: Revolut Business is typically a prepaid solution without a genuine credit line, though it does offer multi-currency accounts and favourable exchange rates. For internationally active businesses, Revolut can complement an ING Business Card rather than replace it.
The American Express Business Gold Card offers Membership Rewards points and premium benefits, but comes with a considerably higher annual fee and is less widely accepted than Mastercard. The ING Business Card is the more practical choice for entrepreneurs who want a reliable, affordable card from a trusted Dutch bank without complex loyalty programmes.
ING Business Card — Pros & Cons
✓ Pros
✗ Cons
Frequently asked questions about the ING Business Card
Do I need to be an ING business customer? +
What is the spending limit of the ING Business Card? +
Does the BKR registration appear on my personal credit record? +
How long is the interest-free period? +
What is the difference between the ING Business Card and the Knab Business Credit Card? +
Can I request extra cards for employees? +
See also
Compare the ING Business Card with all other business cards
Our AI compares all business credit cards against your personal situation — in 2 minutes you will know whether the ING Business Card is the right choice for your company.
⚡ Find Your Perfect Business Credit Card