Question 1

What is ICS Cards?

Accepted Answer

ICS Cards (International Card Services B.V.) is a specialized credit card issuer and the largest credit card provider in the Netherlands. Headquartered in Diemen, ICS Cards focuses exclusively on issuing, promoting, administering, and processing VISA and MasterCard credit card transactions for private customers in the Netherlands and Germany.

ICS Cards is a member of the ABN AMRO banking group and operates as a subsidiary within the group's financial services ecosystem.

Question 2

When was ICS Cards founded?

Accepted Answer

ICS Cards has been providing credit card services for over 30 years, with origins dating back to Bank of America's credit card division in the Netherlands. When Bank of America discontinued its Dutch operations, the credit card division was sold to the VSB Groep.

Following the 1990 merger that created Fortis Bank Nederland (VSB Groep merged with AMEV and AG Group), the credit card operations continued to evolve. Eventually, Fortis became part of ABN AMRO Bank, making ICS Cards a subsidiary of ABN AMRO.

Since 1995, ICS Cards has expanded beyond retail to become a market leader in both private and business credit cards.

Question 3

Where is ICS Cards headquartered?

Accepted Answer

ICS Cards is headquartered in Diemen, a municipality in the province of North Holland, Netherlands. The head office is located at Wisselwerking 58.

Question 4

Where does ICS Cards operate?

Accepted Answer

ICS Cards primarily operates in the Netherlands, where it serves as the leading credit card specialist. The company also provides credit card services to private customers residing in Germany.

Through its VISA and MasterCard partnerships, ICS Cards enables customers to use their credit cards at over 30 million locations worldwide, making them among the world's most widely accepted credit cards.

Question 5

What services does ICS Cards offer?

Accepted Answer

ICS Cards offers a comprehensive range of VISA and MasterCard credit cards including standard, gold, and platinum tiers. The company issues cards under its own brand and on behalf of partner organizations such as ANWB, ABN AMRO, and de Bijenkorf.

Services include credit card issuance and management, transaction processing, 24/7 customer service desk, insurance products, and credit facilities. The company also provides prepaid credit card options and business credit cards for corporate clients.

Digital services include the ICS Creditcard mobile app for iOS and Android, enabling customers to track expenses, manage spending limits, make secure online payments using biometric authentication, and quickly top up cards. The app also provides access to exclusive offers and discounts.

Question 6

What makes ICS Cards unique?

Accepted Answer

ICS Cards distinguishes itself as a dedicated credit card specialist rather than a traditional bank. With more than 30 years of specialized experience, the company has developed deep expertise in credit card operations and customer service.

As part of ABN AMRO, ICS Cards benefits from the stability and resources of a major banking group while maintaining its focused business model. The company's 24/7 customer support and extensive international acceptance network provide customers with reliable service and global convenience.

ICS Cards participates in the Dutch Deposit Guarantee Scheme, protecting eligible deposits up to 100,000 EUR per depositor.

Question 7

What type of financial institution is ICS Cards?

Accepted Answer

ICS Cards is classified as a credit institution (kredietinstelling) under Dutch and European banking regulations. As a specialized credit institution, it is authorized by the European Central Bank to provide credit card services and related financial products.

While it functions as a credit institution, ICS Cards operates with a narrow focus on credit card issuance and processing, distinguishing it from full-service banks in the Netherlands.

ICS Cards

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About ICS Cards in the Netherlands