Everyone in the Netherlands getting a new bank card

All Dutch banks are replacing customers’ debit cards with new Debit Mastercard and Visa Debit cards to expand payment options. The rollout addresses limitations of the old Maestro and V PAY cards, which often caused issues for payments outside Europe, RTL reports.

The new cards will reportedly allow consumers to pay worldwide wherever Mastercard and Visa are accepted, including foreign online stores. They also include a 16-digit card number and a CVC or CVV security code, which ING customers can only access via the bank’s app.

The timing of receiving new cards varies by bank. ING began replacing soon-to-expire cards last November and expects most customers to receive new cards by the end of this year.

Rabobank started issuing cards in 2024 when the current ones expired. ABN AMRO began in mid-2025, estimating that over 10 percent of its cards have been replaced so far. ASN Bank has issued cards to roughly 418,000 of its 3 million customers, with the rollout continuing until October 1. Triodos Bank and Knab have completed distribution to all customers.

A Rabobank spokesperson said, “The code is on the back of the card, so it is not easily visible. In stores, you still enter your PIN, and for online payments, you may need to confirm the transaction in the app.” Other major banks require similar app confirmations for online transactions.

The new debit cards function similarly to credit cards in some ways, such as enabling deposits for car rentals and setting up recurring payments. ABN AMRO clarified that these recurring payments differ from automatic debits, which withdraw funds from accounts with prior consent.

Unlike credit cards, the new debit cards draw funds directly from a customer’s account, so no credit is involved. They also lack purchase insurance, which protects credit card transactions against loss, theft, or damage for up to 180 days. Online payments are covered by a chargeback system, allowing customers to dispute transactions if purchases are not delivered, though this does not apply to iDEAL or Wero payments.