FAQ about travelling with debit card

You can check in and check out with a contactless payment card from:

• ABN AMRO
• ASN Bank
• bunq
• ING
• Rabobank
• RegioBank
• SNS
• Knab
• Triodos (only with a physical payment card)
• Contactless Mastercard credit card
• Contactless Visa credit card

Digital card on phone or smartwatch

You can also use your smartphone or smartwatch if you have added your payment card or credit card to it.

Check in and check out with the same card

If you check in using contactless payment on your phone, check out the same way. The gates recognise the card on your phone as a different card from your standalone payment card.

Payment card from a foreign bank

You can also check in and check out with a foreign contactless payment card or credit card from Maestro, V PAY, Mastercard or Visa. Only payment cards from Vivid, Paysafe, Revolut’s digital payment card and a few other cards and credit cards from other foreign banks are not accepted. If you try to check in with one of these you will see the error message ‘Card not suitable – Pay differently’.

No. When you travel with a payment card you always travel without a discount or season ticket.

No. You can only travel 2nd class with your payment card.

The conductor checks your payment card in the same way as an OV-chipkaart. The conductor scans your payment card and can see whether, where and when you checked in. They cannot see personal banking details, such as your balance.

No. That is not allowed. You can only travel using your own payment card.

Your travel history is available in Mijn NS. To view it, link your payment card to Mijn NS. You can also view the Journey details for a specific day on the OVpay website.

Log in to Mijn NS

View your Journey details on OVpay

You can easily link your payment card to Mijn NS from the welcome screen in Mijn NS. Follow the steps to add a payment card.
Please note: you can link only one type of payment card to your account. That means one bank account and one form of payment card for that account. You cannot link both a physical and a mobile card.

If you get a new phone or reinstall your wallet, you must link your payment card again. Your previous journeys will no longer be visible.

To Mijn NS

You can also check in and check out in our bicycle storage using your payment card. You cannot use your payment card for our other door-to-door services. You need an OV-chipkaart for those services, for example with a Flex Basic subscription.

If you cannot check in, several things may be causing it. Note the message shown on the validator or gate and try again.

If it still does not work, check the following:

1. Have you enabled contactless payments for this card?
2. Is your card from ABN AMRO, ASN Bank, bunq, ING, Rabobank, Regiobank, Knab, Triodos or SNS? Or an (international) credit card from Mastercard, Visa, V Pay or Maestro? If not, you cannot yet travel with your payment card. Check in and check out also do not work with payment cards from Vivid, Paysafe, digital payment cards from Revolut and certain types of cards from other foreign banks.
3. Do you see ‘Laatste OV-afschrijving niet gelukt - Betaal anders’? Your payment card is probably blocked for travel on public transport. This happens when a previous payment failed, for example because your bank account had insufficient funds. Top up your balance so the fare for your journey can be taken. After a successful payment you can use your payment card again for travel on public transport.

Did you forget to check out with your payment card? From six hours after your journey you can correct the missed check-out at OVpay.

1. Go to your Journey details on OVpay.nl
2. Find your journey using your NLOV reference number and the charged amount
3. Enter the missing arrival station

The excess amount you paid will be refunded to your account within five days.

To your Journey details on OVpay.nl

We are sorry this happened. If you check out at the same station within 60 minutes, we will cancel your journey and you will not be charged.

Can you no longer check out at the same station within 60 minutes? You may have paid too much. Answer a few questions and we will tell you if and how you can request a refund.

The gate probably detects your virtual payment card before your e‑ticket. Always load your ticket in the NS app and scan it from there. The NS app suppresses NFC, so the gate will open with your barcode.

Did you buy your e‑ticket from another provider? See whether that provider offers a ticket app. On some Android phones you can temporarily turn off NFC; check your phone settings for this option.

If you cannot check out, we will charge a € 33,30 correction fee to your account. Six days after your journey, go to the OVpay website to adjust this amount.

Enter the reference number shown with the charge and select the station where you could not check out.

If you have paid too much, the amount will be refunded to your account within a few days. Alternatively, it will be offset against any fare for your journey that you still owe.

Your payment card is blocked for travel on public transport if there is not enough money in your account or if a payment is still pending. You can still use the card for other purchases.

How to remove the block:

1. Ensure you have enough money in your account or enough credit available on your credit card.
2. Hold your card up to a validator. The outstanding amount will then be taken from your account.
3. After a successful payment, you can use your payment card to travel again after a maximum of 15 minutes.

You can also pay the outstanding amount yourself immediately via the OVpay app.

First check the fare for your journey via Mijn NS or your journey overview on OVpay.nl. When you travel with your payment card, all costs for a day are debited from your account at once.

It may also be that you checked out with a different payment method than you checked in with. In that case you pay a correction fee of € 20 for a missed check-in and € 33,30 for a missed check-out. View whether and how you can get a refund by answering a few questions.

Yes. If you are allowed an overdraft, you can still travel when there is no balance in your account. Note: this applies up to the overdraft limit you have set.

Yes, you can. This limit does not apply to using the payment card by train, metro, tram and bus. The limit still applies outside public transport.

No, your bank has no insight into your travel. Read more in our privacy statement.

We explain exactly what we do with your personal data in our privacy statement.

No, a train conductor cannot see your details. He or she scans your payment card and can see whether, where and when you checked in. He or she cannot see any other personal bank details such as your balance.