RegioBank credit card application process online steps and main conditions

Curious how fast you can apply online and start using a new card with your existing rekening?

This intro shows the essentials so you can decide quickly. The Visa-issued product is handled by ICS and links to your betaalrekening for everyday betalingen.

You apply via Mijn ICS and the ICS app, meet basic voorwaarden (18+, residency, BKR check), and see an initial spending limit around €1,000 that may rise with income checks.

Annual kosten are €33 today and noted to change to €37.50 per jaar from 1 November 2025. Monthly overzichten arrive at the start of each maand and you have 21 dagen to pay the full amount.

Security includes chip and Visa Secure, plus 24/7 blocking and a dedicated emergency line. Note that due to sanctions, transactions do not work in Russia, so plan travel and extra payment options.

What the RegioBank Creditcard offers today and who it suits

For shoppers and travellers who like simple protection, this product combines several practical benefits.

The aankoopverzekering covers purchases for 180 dagen against verlies, diefstal, and beschadiging when you pay the full amount with the card. A €50 deductible applies, so keep receipts and proof of payment to speed any claim.

The ICS Aflevergarantie helps with orders that never arrive. First contact the seller; if there’s no solution or no reply within seven dagen, you can file a dispute with ICS for review.

Paying your reis with the card adds aanvullende reisverzekeringen. These are supplementary to your main reisverzekeringen and include accident cover up to €42,750, flight delay compensation (€150 per day), baggage delay (€125 per day), and worldwide assistance.

Everyday use is handy: contactless taps up to €50 and support for Apple Pay and Garmin Pay make betalingen fast. The app gives a clear overzicht of transactions so you can track spending and manage your geld.

Weigh the jaarlijkse kosten and the small deductible against the protections provided. This option suits cautious buyers, frequent online shoppers, and travellers who value a simple monthly pay-in-full routine.

RegioBank credit card Netherlands: how to apply online and qualify

Applying online is quick — have your ID, rekening details and recent income proof ready and you can finish the form in about ten minutes.

Key voorwaarden are simple: you must be 18 or older, live locally, hold a RegioBank current account, have no negative BKR entry, and pass ICS affordability checks. Confirm the exact minimum net income in the actuele algemene voorwaarden (communications show €1,150–€1,350).

Starter limits are typically €1,000 with possible rises up to €5,000 based on income and assessments. The provider may ask for extra documents when you request an increase or change the aantal of limits.

After approval your creditcard usually arrives in 1–2 weeks. Monthly statements come at the start of each maand and must be paid in full binnen dagen (21). Use automatic debit, iDEAL or a transfer to move geld on time.

If a transaction or bestelling looks wrong, contact ICS within 14 dagen to dispute it. For help with the application or verification steps, reach out to customer support during business hours.

Costs, limits, and how payments work

Understanding the true costs and payment timing keeps your budget steady month to month.

The annual fee is €33 now and moves to €37.50 per jaar from 1 November 2025. You won’t pay revolving interest if you settle the full statement on time.

Starter limits are usually €1,000, with possible increases up to €5,000 after income checks. Track your aantal of high-value outlays so you avoid declines during travel or big seasonal spending.

Foreign purchases carry roughly a 2% FX markup, so compare creditcards before you travel. ATM withdrawals are costly: 4% normally. If you have a positive card balance, euro withdrawals fall to 1% (capped at €1.50). Withdrawals in other currencies add the FX markup on top.

Moving geld from the card back to your rekening costs 2.5% unless the amount is taken fully from a positive balance. Monthly statements arrive at the start of the maand and the full balance is due within 21 dagen. Set up direct debit, iDEAL or a transfer to avoid fees and missed betalingen.

Track uitgaven in real time via Mijn ICS and the ICS app for a clear overzicht. Paper statements cost extra. The 180 dagen purchase protection is a useful safeguard, but always read the voorwaarden so you know how claims and deductibles work.

Before you hit submit: benefits, drawbacks, and your next best step

Take one final look at what you gain and what you pay for before completing the online form. The regiobank creditcard gives clear protections: an aankoopverzekering for 180 dagen against verlies, diefstal and beschadiging, plus an aflevergarantie to help you get geld terug when an online bestelling never arrives.

You also get Visa Secure and real-time tracking in the ICS app. Paying a reis with the card unlocks aanvullende reisverzekeringen that add practical cover on top of your main plan.

Trade-offs matter: rising jaarlijkse kosten, ATM fees on contant geld, and a 2% FX markup abroad can add up. You must pay in full binnen dagen each maand to keep perks valuable. If something goes wrong, block the card via the 24/7 emergency line and contact ICS support for help getting geld terug.

Ready to proceed? Check the actuele voorwaarden and algemene voorwaarden, confirm mobile wallet support, then apply online with your ID and bank details so ICS can process your request smoothly.