If you have an ING Spain card linked to a Spanish account, you can use it in Malaysia for both card payments and ATM withdrawals. ING confirms that its cards are ready to pay and withdraw cash abroad without extra configuration.
Acceptance and day-to-day use in Malaysia
- Use the card anywhere the card network logo on your ING card is accepted (Visa or Mastercard). If a terminal or online checkout rejects one network, a backup card can save you time.
Foreign currency fees and exchange rates
ING’s standard fees for foreign currency operations (when no travel plan refund applies) are:
- Card payments in non‑EUR currency: 3% currency‑exchange commission.
- ATM withdrawals outside the EU (debit): €2 per withdrawal.
ING offers a Plan de viaje that refunds these fees within the limits you choose for a maximum 30‑day period. If you exceed the Plan de viaje limits (or do not activate it), the standard fees above apply.
Exchange rate source: You can estimate the card‑network rate using the official Visa or Mastercard exchange‑rate calculators—make sure you choose the brand printed on your card. Your final billed amount can still include ING’s currency‑exchange commission when it applies.
ATM withdrawals: debit vs credit
- If you withdraw as debit, ING’s standard fee outside the EU is €2 per withdrawal (unless refunded by Plan de viaje).
- If you withdraw as credit using an ING credit card, ING applies a 3% fee (minimum €2) to the amount withdrawn. This is a separate credit‑cash‑advance fee and can be more expensive than debit withdrawals.
Dynamic Currency Conversion (DCC): avoid extra markup
When a terminal or ATM in Malaysia asks whether to pay in EUR or MYR, choose MYR. Visa’s DCC guidance explains that DCC includes the merchant/ATM’s exchange rate and additional fees, and requires clear disclosure and a choice. Selecting MYR lets your card network and ING handle the conversion, which is typically cheaper.
Practical checklist before you fly
- Activate Plan de viaje in the ING app if you expect multiple foreign‑currency payments or ATM withdrawals.
- Bring a backup card in case a terminal rejects one network.
- At ATMs, avoid credit withdrawals unless you must; select “debit” or “checking” if offered.
- If offered DCC, decline and pay in MYR.
If your card’s branding is unclear, check the logo on the physical card or in the ING app and use the matching network’s exchange‑rate calculator to estimate the conversion you’ll receive.