International Card Services B.V.

International Card Services B.V. (ICS) is a Dutch credit card issuer owned by ABN AMRO Bank N.V., operating under the supervision of De Nederlandsche Bank and the Netherlands Authority for the Financial Markets. The company issues Visa and Mastercard products for consumers and businesses, including co-branded programs such as ANWB and De Bijenkorf, with worldwide acceptance and standard features like contactless payments and 3D Secure for online purchases. Account management is provided through the ICS app and online environment, offering real-time transaction viewing, spending alerts, temporary card blocking, authentication for online payments, and basic limit management. Eligibility typically requires Dutch residency, age 18 or older, identity and income verification, and a BKR credit check; credit limits are set based on assessment and can be reviewed upon submission of additional documentation. Repayment can be by full monthly direct debit or, if enabled, revolving credit with interest subject to Dutch legal caps; annual, foreign currency and cash withdrawal fees depend on the specific card and co-brand. Many cards include purchase protection and delivery insurance for a limited period, while higher tiers may add extended warranty, travel coverage, and concierge services, each subject to their own conditions and exclusions. ICS provides fraud monitoring, 24/7 emergency assistance for lost or stolen cards, and handles disputes and chargebacks under Visa and Mastercard scheme rules. Business and corporate solutions are available, including cards with expense reporting functionalities. Product terms, rates, and insurance coverage vary by card type, and ICS publishes standardized information documents and conditions that outline the applicable costs and protections.