🇳🇱 This is the brand hub for ING in the Netherlands. For the bigger picture on Geldmaat, the Euronet trap, and the PIN-only shop problem, see the Netherlands Money Guide. For exact ATM addresses, see the Amsterdam ATM Guide. For card-acceptance and transit, see the Amsterdam Money Guide. For the rival Dutch bank, the ABN AMRO guide.
🎧 Order Euros Before You Fly
Pre-order €100-200 for coffeeshops (cash-only by Dutch law), Albert Cuyp Market, and toilet coins. Insured 2–5 day shipping.
Order EUR → CEI Currency ExchangeWhat ING is, in one paragraph
ING Bank is the largest Dutch retail bank by customer count (~8 million Dutch customers, roughly half the country's adult population), formed in 1991 by the merger of NMB Postbank Group (a state-owned giro and postal bank) and Nationale-Nederlanden (a Dutch insurance giant). The combined ING Group operates retail banking in the Netherlands (the core market), plus the international ING Direct online-savings brand across Germany (renamed ING Deutschland), Belgium (ING Belgium), Spain (ING España), Australia (ING Australia), Italy, France, Romania, and Poland. The US ING Direct retail operation was sold to Capital One in 2012 and rebranded as Capital One 360. As of 2026, ING operates roughly 280 branches across the Netherlands (significantly reduced from the post-merger peak of over 600 as Dutch retail banking has consolidated), plus the dominant share of the consolidated Geldmaat ATM network.
The 2020 Geldmaat consolidation
The single most important fact for US travelers is that ING no longer operates its own ATMs separately. In 2020, ING, ABN AMRO, and Rabobank consolidated their individual ATM estates into a single shared network called Geldmaat, branded with a bright-yellow wordmark. Every former ING ATM in the Netherlands is now branded as Geldmaat. The consolidation was a cost-saving move driven by declining Dutch cash usage and the duplication of three separate ATM networks across the same retail-density geography.
For travelers, this means: when you withdraw cash in the Netherlands, you are using a Geldmaat ATM regardless of which Dutch bank historically operated the machine. The cost structure is identical at every Geldmaat: zero operator fee on foreign cards, real Visa/Mastercard interbank rate. The yellow Geldmaat branding is the only thing to look for, not the ING/ABN AMRO/Rabobank logos on the side. ING's brand still appears at branches (for staffed services like account opening, mortgage advice, and business banking), but the ATMs themselves are Geldmaat-branded.
What Geldmaat (formerly ING) charges foreign cards
| Fee component | Amount | Paid to |
|---|---|---|
| Geldmaat operator fee (foreign card) | €0 | Geldmaat (formerly ING + ABN AMRO + Rabobank, consolidated 2020) |
| Exchange rate | Mid-market (interbank) | Visa or Mastercard network |
| Visa / Mastercard network fee | ~1% | Card network, baked into total |
| Your home bank's foreign ATM fee | $2-5 | Your home bank, unless waived (Schwab, Wise) |
| Your home bank's FX conversion fee | 1-3% | Your home bank, unless 0% FX card |
| DCC markup (if accepted) | +4-12% | Always decline. Geldmaat occasionally surfaces DCC; pick EUR every time. |
Real Geldmaat cashpoints are bright yellow. Standalone Euronet machines (bright blue with bold Euronet wordmark) sometimes sit close to a Geldmaat but are not Geldmaat and charge a EUR 3-5 surcharge.
ING brand context: how the global business shapes the Dutch retail bank
ING is the most internationally-recognised Dutch bank brand because of the ING Direct online-savings business, which was the dominant force in European and US direct banking in the 2000s and early 2010s. The orange ING Lion logo became globally recognisable through the Australia, Spain, Germany, France, and US Direct brands. The 2012 sale of ING Direct US to Capital One ($9 billion) marked the start of a more focused European footprint, and the bank's retail presence in Germany, Belgium, Spain, Australia, Italy, and Poland continues under the ING brand.
For Dutch retail (the topic of this guide): ING's 8 million Dutch customers and dominant share of the Geldmaat shared network make it the default Dutch bank for most local accounts. For US-tourist purposes: ING's only point of contact is the Geldmaat ATM, which charges zero operator fee regardless of which Dutch bank historically built the machine. The orange Lion logo on the side of a Geldmaat machine just identifies the hardware lineage; the cost structure is the shared Geldmaat one.
Why ING is not the BoA Alliance pick (no Dutch Alliance partner exists)
The Netherlands does not have a Bank of America Global ATM Alliance partner. Unlike France (BNP Paribas), Germany (Deutsche Bank), the UK (Barclays), or Canada (Scotiabank), there is no Dutch bank that waives BoA's 3 percent non-network surcharge. The Geldmaat shared network (and ING by extension) charges zero on the Dutch side, but BoA debit cards still pay the BoA-side surcharge.
For BoA customers, the cleanest setup in the Netherlands is: Wise debit (which is Maestro-compatible, handles PIN-only shops, and is free at every Geldmaat) for everything except coffeeshops and the Albert Cuyp Market, where pre-ordered euros from CEI cover the cash-only scenarios. Schwab and Capital One 360 both also work cleanly with Geldmaat for the in-country withdrawal side.
Best card pairing with ING / Geldmaat
Wise + Geldmaat is the cleanest Dutch combo
Wise debit is Maestro-compatible so it works at PIN-only Dutch shops where US Visa credit gets rejected. Plus zero FX markup at every Geldmaat ATM (formerly ING). Total cost on an EUR 200 withdrawal: under $2.
Get the Wise Card →Charles Schwab Investor Checking
Schwab refunds operator fees on rare standalone Euronet machines and adds zero foreign-transaction fee. Combined with Geldmaat's zero, Schwab is a free Dutch withdrawal. Schwab debit is Visa debit (not credit) so it works at most PIN-only shops too.
Capital One 360 (formerly ING Direct US)
Capital One 360 is the historical successor to ING Direct US (acquired in 2012 and rebranded). The cards are now Mastercard debit with no foreign-transaction fee. Works cleanly at Geldmaat and at most PIN-only shops. A nice institutional symmetry: the US successor of ING's American business, withdrawing at the Dutch shared network ING co-operates.
Frequently Asked Questions
Does ING still operate its own ATMs in the Netherlands?
Not separately. In 2020, ING, ABN AMRO, and Rabobank consolidated into the Geldmaat shared network. Every former ING ATM is now branded Geldmaat. Zero operator fee on foreign cards.
How much does ING / Geldmaat charge foreign cards at ATMs?
Zero operator fee on every Geldmaat ATM. The withdrawal uses the Visa or Mastercard interbank rate with no markup. Your only cost is whatever your home bank charges as a foreign-transaction fee.
Is ING in the Global ATM Alliance?
No. The Netherlands does not have a Bank of America Global ATM Alliance partner. ING (via Geldmaat) still charges zero on the Dutch side, but BoA debit cards pay the BoA-side 3 percent surcharge.
Where is ING's head office in the Netherlands?
Amsterdam Zuidoost at Bijlmerplein. Central-Amsterdam flagship branch at Rokin near Dam Square. ING operates branches across every major Dutch city plus international ING Direct presence in Germany, Belgium, Spain, Australia, Italy, France, Romania, Poland.
Should I use ING or ABN AMRO?
At the ATM, both are Geldmaat (same machines, same zero fee). At the branch level the brands are separate. For US-tourist ATM-only purposes the brands are interchangeable.
What about US Capital One 360 customers?
Capital One 360 is the historical successor to ING Direct US (acquired by Capital One in 2012). Cards are now Mastercard debit with no foreign-transaction fee. Works at every Geldmaat with the standard Geldmaat zero operator fee.
Will my US debit card work at Geldmaat ATMs?
Yes, as long as it carries a Visa, Mastercard, Maestro, V Pay, Plus, or Cirrus logo. Geldmaat accepts all six. Most US banks no longer require a travel notice for the Netherlands.
The Wise + Geldmaat (formerly ING) Combo
Maestro-compatible debit handles PIN-only Dutch shops, zero FX markup at every Geldmaat.
Get the Wise Card →