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About the Europe and World payment profiles

Using your debit card within and outside of Europe

Because you probably spend more time within Europe than outside Europe, your card is set as standard for use within Europe, meaning that you can use your card for payments and withdrawals anywhere in Europe. This is called your card’s payment profile. If you travel outside of Europe, you need to change your payment profile to ‘World’. You can do this quickly and easily using Internet Banking or the Mobile Banking app. You will then be able to use your card straight away.

Pinnen buitenland instellen mobiele app Pinnen buitenland instellen mobiele app

Changing your payment profile using the Mobile Banking app

  • Open the Mobile Banking app and log in.
  • Tap ‘Settings’, followed by ‘Debit cards’.
  • Tap ‘Debit card settings’, followed by ‘Payments/withdrawals abroad’.
  • Change the payment profile.
  • Confirm with your identification code or fingerprint.
Pinnen buitenland instellen Internet Bankieren Pinnen buitenland instellen Internet Bankieren

Changing your payment profile using Internet Banking

  • Log in and go to the 'Manage' tab.
  • Under ‘Debit card settings’, go to ‘Debit card settings’.
  • Select 'Payments/withdrawals abroad'.
  • Select the card.
  • Change the profile and confirm your selection using your e.dentifier.
Enable the World profile

Don’t forget to reset your payment profile

If you are in Europe and your payment profile is still set to ‘World’, be sure to change it back to ‘Europe’. This is safer and ensures that your card is better protected against fraud.

Frequently Asked Questions

  • Why payment profiles are necessary?

    Criminals try to copy details from debit cards and detect the PIN you enter. This is known as skimming. Outdated cash machines in which copied cards do work can still be found in some non-European countries. Skimmers try to withdraw money in these countries using the copied card, but this is not possible if your payment profile is set to 'Europe'.

  • Which countries are part of the Europe profile?

    Albania, Andorra, Armenia, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Greenland, Guernsey, Hungary, Iceland, Ireland, Italy, Jersey, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Spitsbergen, Sweden, Switzerland, Turkey, Ukraine, United Kingdom, Vatican City.

    Good to know 

    Islands and colonies that belong to a country are not automatically part of the Europe profile. For example, if you go to Curaçao, you will need to enable the World profile temporarily.


  • I have multiple debit cards. Can I enable the World profile for individual cards?

    If you have more than one debit card, you need to change the payment profile for every card you want to use.


  • When you need to change your payment profile?

    You will probably enter a different time zone if you travel outside of Europe. It is therefore a good idea to change your payment profile one day before departure and to change it back the day after you return. This will ensure that you can use your debit card at all times.

You can reach the Preferred Banking Service Centre on 0800 - 0240 714 (toll free).

Contact your Preferred Banker at any time.