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Open a Current Account with RegioBank
This is the number one mandatory requirement. Visit the official RegioBank website, download the app, or go to a local branch. Open an active account and use it regularly for a few months before applying for the card.
Check Whether You Meet the Minimum Requirements
- Average net income of at least €1,150 per month.
- Legal residence in the Netherlands.
- A good BKR credit history (without serious negative records).
Access the RegioBank Website and Start Your Application
Log in to your online account, find the credit card section or “Creditcard,” and click apply. You will be redirected to the ICS (International Card Services) application form.
Complete the Application Form Carefully
Provide all personal, professional, and financial information accurately. Attach proof of income (bank statements, payslips, or tax returns) from the last three months.
Wait for the Credit Assessment
RegioBank and ICS will review your BKR credit record. The process usually takes a few business days. If approved, the physical card will be delivered by mail within approximately 10 business days.
Activate the Card and Download the ICS App
Activate the card through the app or by phone and set up Apple Pay or Google Pay. Start using it responsibly.
By following these steps in the correct order, you can avoid most common reasons for rejection. Now let’s look at the details that can maximize your approval chances.
What Really Increases Your Chances of Approval
Having a RegioBank account alone is not enough. Banks evaluate risk, so consider the following:
Keep Your Account Active and Well Used
Deposit your salary, pay bills, and use your debit card regularly for at least 3–6 months before applying. Newly opened accounts with little activity are rejected more often.
Demonstrate Stable Income
Provide clear proof of income. A fixed salary, employment contract, or bank statements showing consistent monthly deposits above €1,150 net are ideal.
Maintain a Clean BKR Record
Check your BKR status before applying. Avoid late payments on loans, financing agreements, or utility bills.
Avoid Too Many Recent Credit Inquiries
Multiple credit applications within a short period can negatively impact your credit profile.
Age and Residency
Being over 18 years old and having stable residency in the Netherlands significantly improves your chances.
Build a Strong Relationship With the Bank
Long-term customers with healthy account activity and no banking issues generally enjoy higher approval rates.
Golden Tip
Organize all your documents before you begin the application. Having everything ready speeds up the process and demonstrates financial responsibility.
Official Requirements for the RegioBank Creditcard
- Active current account with RegioBank
- Minimum average net income of €1,150 per month
- Residence in the Netherlands
- Successful credit assessment (BKR review)
- No serious negative credit records
If you do not meet these basic requirements, your chances of approval are very low. Focus on meeting these criteria first.
How the RegioBank Creditcard Works in Everyday Life
The RegioBank Creditcard is a Mastercard issued in partnership with ICS. You spend now and pay later (typically with up to 21 days interest-free if you pay the balance in full).
Main Features
- Accepted at millions of merchants worldwide.
- Contactless payment functionality.
- Compatible with Apple Pay and Google Pay.
- Digital card version for safer online shopping.
- ICS app for real-time spending tracking, statement management, and notifications.
- ATM cash withdrawals (fees apply).
- Travel insurance when travel expenses are paid with the card.
- Purchase protection for up to 180 days.
Important Costs
- Annual fee: approximately €33 until November 2025, then €37.50 per year.
- ATM withdrawals: 4% fee (with reduced rates under certain conditions).
- Foreign purchases: 2% currency conversion fee.
- Up to 21 days interest-free when paid in full (installment payments are not available for new customers since October 2024).
The card is ideal for users who pay their balance in full every month and want to avoid interest charges.
Practical Tips During the Application Process
Apply at the Right Time
Submit your application at the beginning of the month when your income documentation is up to date.
Be Honest
Any false information may lead to rejection or even permanent restrictions on your banking relationship.
Be Prepared for Additional Questions
Have information about your employment, monthly expenses, and other credit obligations readily available.
Track Your Application Status
Check the RegioBank app and your email daily after submitting your application.
If You Are Rejected
Wait at least 3–6 months, improve your financial profile (increase account activity, pay off debts), and then try again.
After Approval: How to Use the Card Wisely
Once you receive the card:
- Activate it immediately.
- Set a personal spending limit below your approved credit limit (for example, use only 30–40% of the available credit).
- Always pay the full statement balance before the due date.
- Enable notifications in the ICS app.
- Use the digital card version exclusively for online purchases when possible.
- Store the physical card in a secure location and keep the card-blocking contact information accessible.
Responsible usage helps increase your credit limit over time and improves your credit history in the Netherlands.
Advantages That Make It Worth Considering
- Excellent international acceptance for travel throughout Europe and worldwide.
- Included travel insurance when travel expenses are paid with the card.
- Strong fraud protection features.
- Easy account management through your smartphone.
- Low annual fee compared to many premium cards.
Frequently Asked Questions (FAQ)
How Long Does Approval Take?
Generally between 3 and 10 business days after all required documents have been submitted.
Can I Apply Without a RegioBank Account?
No. An active RegioBank account is mandatory.
What If I Have Negative Records in the BKR?
Your chances of approval are very low. Resolve the issue before applying.
Does the Card Offer Cashback or Reward Points?
No, it does not include an integrated rewards program.
Can I Increase My Credit Limit Later?
Yes. After several months of responsible use, the bank may increase your limit automatically or upon request.
Does It Work Outside the Netherlands?
Yes, just like any Mastercard.
Common Mistakes That Lead to Rejection
- Recently opened account with little activity.
- Inconsistent proof of income.
- Errors or contradictions in the application form.
- Too many recent credit applications.
- Not residing in the Netherlands.
Avoid these mistakes and your chances of approval increase significantly.
Is the RegioBank Creditcard Worth It?
Yes, especially if you are already a RegioBank customer, travel occasionally within Europe, shop online frequently, and prefer paying your balance in full every month. It is not the card with the most benefits on the market, but it offers excellent value, security, and simplicity.
Final Checklist Before Applying
- Active and regularly used RegioBank account
- Verified minimum income requirement
- Digital copies of all required documents
- Positive BKR credit status
- Residence in the Netherlands
- ICS app installed (for later use)
By following this complete guide, you have a clear and practical roadmap to obtaining your RegioBank Creditcard. Organize your documents, strengthen your financial profile, and submit your application with confidence.
Remember: credit is a tool. Use it responsibly to build a positive financial history and gain access to better financial products in the future.
