ING direct debit card gets 1% fees when toppin up


Quick question please: I’m having the exact same trouble (gold MasterCard, debit card, from crédit agricole, linked to personal account and only personal use).
-> did you get confirmation from Revolut that the email from your bank worked?
And may I ask what wording did your bank use ?
Many thanks in advance,


I’ve just received the letter from my bank. It states that my debit card goldmastercard is linked to my personnal account number xxxx

Then i’ve contacted revolut support again. The guy ask for the scanned document, but also asked me to rewrite the text of the document in the chat window, then he ask for a screenshot of my online bank website showing my account number and proove I could access to it.
He will submit all these doc and my request to other revolut people and will come back to me with an answer…a good one I hope!


I hope it will be good news too, I look forward to hear the answer Revolut will give you !


Hi guys,

A friend of mine tried topping up with his ING card as well, and Revolut wanted to charge him 1.6% fees.
He got the same response from the support as you did: need proof that it’s not a commercial card.

ING France does not even allow professionals to open accounts and get a card with them. it makes no sense for Revolut to be asking that kind of proof.

On the other hand, my own bank does allow people to open professional accounts, but my card was never identified as “commercial” (which is fine, because it’s indeed my personal account)

Is Revolut seriously going to ask all ING clients to get a paper from the bank, confirming they are not commercial customers?

@AndreasK Your input on this would be appreciated :slight_smile:


If your card comes up as a debit card and it’s not you will need to contact our in-app support team and provide a bank confirmation that your card is a credit card.


The chat support requested proof that the card is not a commercial card.

Also, please take a look at this @AndreasK [FR] Frais bancaires pour rechargement compte Revolut ??

Looks like a similar issue: gold mastercard, considered as commercial card.
On a side note: I have a regular mastercard with the same bank as this guy, and I have no fees with Revolut.

@AndreasK Sorry to insist, but will all ING users (who all have gold mastercards) need to provide this proof?

Not trying to be a pain here, just it’s very likely you’ll have to deal with a very high amount of ING users (and apparently other banks) who have personal debit/credit cards and are somehow treated as commercial.

It would be a win-win if you could simply flag these bins as personal cards :slight_smile:


I have the same problem with ING. Someone got this letter from ING ?


Same problem here with ING Mastercard, anyone has any evolution on that matter?


That is odd, I had this problem at some point (some months ago) but, right now, ING does not charge me… And I’ve had the same card since 2016.


It’s not ING that charges but Revolut charges for topup


Is your card a commercial or a non EEA issued card?


Like in the first post, it’s personal EEA issued Mastercard…


Can you please contact our in-app support team and provide us with a confirmation of your bank stating that the card is not a commercial one?


Having the same issue with my debit Gold Mastercard issued by Credit Agricole.
I provided the prof to the support team that my card is a non commercial debit card.
They refund me the fees of my last transactions however they can’t change the behavior of the App: after each top-up I have to ask for a refund of the fees.
Completely painful.
I think I’ve found the root cause of this issue.
On I have to give the 7 first digits of my card to get to correct type.
With only 6 digits my card is recognized as a credit card.


Revolut support told me that they will update BIN database to resolve this issue permanently, however estimation on that resolution is not available.

At this moment, you have to provide a proof for each topup


I have a credit ING Gold Mastercard and a debit Banque Postale Visa classic (personnal cards) and I can top-up without fees.


Hello, I have topped up by a RON debit Mastercard personal card, issued in EEA, and the amounts taken from the bank account were 1.3% higher. The bank confirmed is not their fees, however the in-app support keeps saying is not Revolut that took the higher amounts, but the bank…

@AndreasK As this situation is pretty similar to others described by the community, I find it a bit hard to believe is the bank that took the higher amounts and I would expect the refund, considering debit card top-up is supposed to be free, right?


Hi there. Please request a confirmation from your bank stating that you card is not a commercial one and send it to our in-app support team.


Hi, I am having the same issue with my ING direct gold mastercard. I spoke to ING customer support, they don’t issue this kind of confirmation.

Any update on your side? Is Revolut solving the issue?


I did have this issue with my first ING card in France, then it was solved without me doing anything. But now, ING has issued a new card for me, and I’m having this problem again. I asked support and I could get a refund. They told me that they need to update some tables or something along those lines and then they won’t charge me any more. He couldn’t give me an ETA, though.