ING — Carta di Credito Mastercard Gold Mastercard Gold
A plan byING — Carta di Credito Mastercard Gold · Mastercard
ING's Mastercard Gold credit card is a charge card (the statement is debited on the 10th of the following month) on the Mastercard network, reserved for ING account holders. It is free with the Conto Corrente Arancio Più; with Arancio Light it costs €2/month, waived if you spend at least €500/month or activate the Pagoflex instalment option. The foreign-exchange fee is 2%, above the best-in-class (TF Bank and BBVA are at 0%). The standard limit is €1,500/month and purchases of €100+ can be split into instalments with Pagoflex.
Mastercard Gold
- Price
- Free
What's included
- €0 with Conto Arancio Più; €2/month with Arancio Light (waivable)
- Charge card, debited on the 10th of the following month
- FX 2% · withdrawals 4% min €3
- Pagoflex instalment option on purchases from €100
- Standard limit €1,500/month · Mastercard Travel Rewards
Data & conditions
| Network | Mastercard |
|---|---|
| Card type | Charge |
| Backing | Unsecured |
| Credit limit | €1,500 |
| Issuing bank | ING Bank N.V. |
| Issuance fee | Free |
| Annual fee | Free |
| ATM withdrawal | 4% |
| FX markup | 2% |
| Cashback | Not disclosed |
| Contactless | Yes |
| KYC | Full |
| Privacy | 2/10 |
| Supported countries | EEA · 1+ countries |
| Funding / solidity | Gruppo bancario olandese · carta di credito a saldo per correntisti ING |
| Regulator | De Nederlandsche Bank / BCE · Banca d'Italia per la succursale |
| Segment | B2C |
| Funding / solidity | Dutch banking group · charge credit card for ING account holders |
| MiCA / License status | Banca (ING Bank N.V., vigilata da De Nederlandsche Bank e BCE; opera in Italia tramite la succursale di Milano) Bank supervised by DNB/ECB, operating in Italy through its Milan branch |
Strengths
- €0 fee for holders of the Conto Corrente Arancio Più
- Charge card: no interest if you pay the statement in full
- Widely accepted Mastercard network; contactless, Apple Pay and Google Pay
- Pagoflex instalment option on purchases from €100 and Mastercard Travel Rewards programme
- No notable sovereignty advantage documented.
Weaknesses
- Requires an ING Conto Corrente Arancio: it cannot be applied for on its own
- 2% foreign-exchange fee, versus 0% at TF Bank and BBVA
- Expensive cash withdrawals: 4% with a €3 minimum per transaction
- With Arancio Light €2/month unless you spend at least €500/month; modest base limit (€1,500/month)
- Traditional credit card: not self-custody — the account requires full KYC, a credit check, and can be closed or reported to credit bureaus by the issuer.
- Full KYC required: verified identity, zero pseudonymity.
- Funds can be frozen at the platform’s discretion.
- Subject to regulation (Bank supervised by DNB/ECB, operating in Italy through its Milan branch): reporting to authorities and freezes on order.
- FATF-aligned jurisdiction: strong cooperation with authorities.
Verdict
For those who already hold the Conto Arancio Più it is a solid, essentially free credit card: charge-based, so without the revolving-interest trap, and with a Mastercard accepted everywhere. The rating stops at 3.5/B for two concrete limits: the 2% currency-conversion fee (while rivals like TF Bank and BBVA offer 0%) and the dependency on an ING account, which makes it unavailable on its own. Good as a 'home' card, less suited to frequent foreign-currency spenders.
A credit card is a credit line, not custody of funds: there is neither self-custody nor a user balance here. It remains a fully tracked and censorable instrument — full KYC, a bank issuer (ING Bank N.V.) that profiles transactions and can suspend the line. On the sovereignty lens it is the opposite of trustless tools: no anonymity, no censorship resistance.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
How much does ING's Mastercard Gold cost?
It is free with the Conto Corrente Arancio Più. With Arancio Light it costs €2/month, waived if you spend at least €500/month or activate the Pagoflex instalment option. Issuance is free.
How does spending abroad work?
A 2% fee applies on purchases in a currency other than the euro. Cash withdrawals cost 4% with a €3 minimum per transaction.
Sources
- Official service page Data verified on Jul 12, 2026