How does a Debit Mastercard work?
Using a Debit Mastercard is very simple:
You pay in a store, online, or in an app
The amount is deducted directly from your GoDutch account
The payment is processed through the Mastercard network
Because it is a debit card, you can only spend money that is already available in your account.
Where can you use a Debit Mastercard?
Debit Mastercards are accepted in more and more places:
🛒 Supermarkets and physical stores
🌍 Online shops and international platforms
📱 Apps and digital services
🚆 Public transport (as your travel card)
They already work in most stores today. In the coming months, they will also be supported on older payment terminals that previously only accepted Maestro cards.
What is the difference between a credit card and a Debit Mastercard?
The main difference is how payments are processed:
Feature | Debit Mastercard | Credit Card |
Payment | Directly from your account | Pay later |
Spending limit | Your available balance | Credit limit |
Interest | None | Possible |
Network | Mastercard | Mastercard |
With a Debit Mastercard, the amount is deducted immediately, while credit cards allow you to pay later.
Worldwide and online usage
Because the card works on the Mastercard network, you can use it almost anywhere in the world where Mastercard is accepted. Online payments also work broadly, just like with a credit card.
So if you see the option “checkout with credit card,” you can simply use your GoDutch card to complete the payment.
Extra tip: use it for public transport
A useful extra feature is that you can also use the card for public transport.
You can:
Check in directly with your physical card
Or use your virtual card on your phone
This allows you to travel without a separate public transport card.
How do I get a Debit Mastercard?
You can read how to add a card to your account in this help center-article.
Frequently Asked Questions
Is a Debit Mastercard safe?
Yes. Payments are processed directly from your account and run through the secure Mastercard network.
Does the card work everywhere?
The card is accepted worldwide anywhere Mastercard is supported.
Can I go into overdraft with a Debit Mastercard?
No. You can only spend the balance available in your account.
Will this card replace Maestro?
Yes. Debit Mastercards are gradually replacing old Maestro cards at banks.
Need help?
If you have any questions, feel free to contact our support via the app, [email protected] or via phone 020 808 8020. We are happy to help.