Paying and making reservations with your credit card

You can easily use a credit card to pay online at Dutch and international online shops, for subscriptions or for digital services. 

Ways to pay online with your credit card: 

1. Using your credit card details: when paying, enter your credit card number, expiry date and three-digit CVC code. The CVC code is the security code on your credit card used to verify online payments. You will find this code on the back of your card. 
2. Using Click to Pay: does the online shop offer Click to Pay? If so, you can pay online faster and more securely using your Click to Pay profile. Once you have registered, your credit card details are retrieved securely when you place an order. This means you do not have to enter your card details again for every purchase, and they are not shared with the seller. 
3. Using Apple Pay or Google Pay: have you added your credit card to your Apple Wallet or Google Wallet? If so, you can pay quickly at online shops and in apps that offer this payment method, without having to enter your credit card details manually. You confirm the payment on your smartphone or another device on which your wallet is active. 

Do you need to confirm the payment? This sometimes happens to check that you are making the payment yourself. Mastercard ID Check is used for this. If you have the ABN AMRO Credit Card app, you can confirm the payment in the app. If not, follow the steps on your screen to use another verification method.

You can use your credit card anywhere Mastercard is accepted. Credit cards are widely accepted around the world, so they are a convenient way to pay when travelling. Find out more in the article ‘Do I need a credit card when travelling?’

You can pay with your credit card in shops, restaurants, at petrol stations and at parking machines around the world in several ways:

• Using your PIN: Insert your credit card into the payment terminal and enter your PIN.
• Paying contactless with your credit card: Hold your credit card against a payment terminal that accepts contactless payments. You can do this after you have used your card once with your PIN. The payment terminal may still ask you to insert your card and enter your PIN.
• Using your phone or smartwatch: First add your credit card to Apple Pay or Google Pay in the ABN AMRO Credit Card app. You can then make contactless payments with your phone or smartwatch.

You can use your credit card to withdraw cash from cash machines that accept your card. You will need your credit card and PIN.

Please note that you may have to pay a fee when you withdraw cash. If you withdraw money in a currency other than the euro, you may also have to pay a foreign exchange mark-up. The cash machine operator may also charge a fee.

Sometimes a company may ask for your credit card as a guarantee or deposit, for example when you book a hotel room or rental car.

The company may temporarily reserve an amount on your credit card. You do not pay this amount, but it temporarily reduces the amount you can spend with your credit card. This means that a large amount does not have to be blocked in your current account and you do not have to pay a cash deposit.

1. Provide your credit card details, for example when you make a booking or when you arrive.
2. The company checks whether your credit card is valid.
3. The company may temporarily reserve an amount on your credit card as a deposit or guarantee.
4. This temporarily reduces the amount you can spend with your credit card.
5. When the reservation ends or is released, you can spend this amount again.

Want to find out more? Read more about how a credit card works.

Follow these tips to use your credit card safely:

1. Keep your credit card safe and never share your PIN or verification codes.
2. Check the amount and the seller before you approve a payment.
3. Check your payments regularly and report any payments you do not recognise.
4. Block your credit card immediately if it is lost or stolen.