Head to head · 2026
ING Creditcard vs N26 Mastercard
How these two credit cards stack up for expats in the Netherlands — compared on the numbers that actually matter, with a verdict based on the data.
Our verdict
N26 Mastercard is the stronger pick for most expats.
- Monthly fee: €0 vs €2.00/mo
- Foreign transaction fee: 1.70% vs 2.00%
- Minimum income: None stated vs €1,000/mo
- BKR credit check: Not required vs Required
ING
ING Creditcard
Basic credit card for ING account holders. Earns ING Punten through shopping portal. 365-day purchase protection included.
N26
Our pickN26 Mastercard
Free debit Mastercard from German neobank N26. Excellent app, no foreign transaction fees in eurozone. Great for everyday spending and travel within Europe.
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Side by side
Highlighted cells show the stronger option for each feature. Rates and fees are verified from provider sources; figures shown as of 2026.
ING Creditcard
What we like
- Low annual fee (€24)
- 365-day purchase protection
- ING Punten rewards program
- Integrates with ING app
What to consider
- 2% foreign transaction fee
- Requires ING current account
- Basic rewards value
- Limited to €5,000 credit limit
N26 Mastercard
What we like
- No annual fee
- No fees in eurozone
- Excellent mobile app
- Instant notifications
- Free ATM withdrawals (limited)
What to consider
- Debit card, not true credit
- ATM withdrawal limits on free tier
- 1.7% fee outside eurozone
- No rewards program
Frequently asked
Is ING Creditcard or N26 Mastercard better for expats in the Netherlands?
N26 Mastercard is the stronger all-round pick for most expats. Monthly fee: €0 vs €2.00/mo
Which card has lower fees abroad, ING Creditcard or N26 Mastercard?
N26 Mastercard is cheaper abroad, with a 1.70% foreign transaction fee.
Do ING Creditcard and N26 Mastercard require a BKR credit check?
ING Creditcard requires a BKR credit check, and N26 Mastercard does not require one. Cards without a BKR check are often easier to get when you have just arrived in the Netherlands.