Checking in and out with your debit card, credit card or mobile phone

Reiziger checkt uit met OV-pay

Discover travel with your debit card

Traveling by public transport has never been easier. Simply check in and out with your debit card, credit card, or mobile phone, no need to top up your balance first, and no separate pass required.

Super convenient and works everywhere in the Netherlands. The travel costs are automatically debited from your account after your trip.

The benefits of checking in and out with your debit card

  • No more checking your balance—travel immediately, without having to visit a ticket machine.

  • No new/additional card required—simply use your own debit card or mobile phone.

  • Your travel expenses are automatically debited from your account afterwards.

  • Also suitable for travel with discount season tickets.

  • Always have insight into your travel expenses and journeys via your OVpay account.

  • Also suitable for your mobile phone or smartwatch.

reiziger checkt in met betaalpas in bus

How does traveling with your debit card work?

  1. Hold your debit card, credit card, or mobile phone briefly against the card reader to check in.

  2. When you exit, check out again with the same card at a card reader.

  3. Your fare will be calculated automatically and debited at the end of the day.

    Please note: take your card out of your wallet so that you don't accidentally check in with the wrong card. 

    Forgot to check in or out? You can easily adjust this in the OVpay app or at ovpay.nl. Be sure to do this within 60 days of your trip. If you are entitled to a refund, the excess amount debited will be refunded to your account.

How does OVpay work?

OVpay demonstratie video HTM

Who is traveling with a debit card suitable for?

In principle, anyone with a debit card, but especially if you:

  • Don't want to purchase an additional card

  • Find topping up your balance a hassle and prefer to pay afterwards

  • Travel by public transport occasionally and don't want to purchase a separate pass for this

  • Are traveling in the region as a tourist or visitor

With my subscription(s), can I already travel with my debit card?

Last updated: 15-12-2025

A number of public transport passes are already available for travel with a debit card, and more are being added all the time.

Below, we have summarized what is currently available and what is not yet available.

SubscriptionAvailable on debit card?
Pay per ride Yes
Age discount Yes
HTM Monthly discount Yes, under the name HTM 20% discount
Regional subscription Available soon
Kids voor Niks Not available yet
Ooievaarspas Not available yet

To see if your subscription from another transport provider can already be added to your debit card, check here. 

Is your HTM subscription not yet available on your debit card? Keep an eye on this page.

If you prefer to travel with a separate card for public transport, take a look at traveling with the OV-pas.

Frequently Asked Questions