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ING Bank Accounts
Which ING bank account is right for you? Compare your options here.
ING offers a range of services, from standard current accounts to specialised pension funds. This guide will show you what accounts are available and how to compare them to find the right account for you.
What is ING?
ING is a Dutch financial services group that offers consumer and business products to over 40 countries, including throughout Europe. The bank was established in 1927, but it can trace its business back all the way through to 1762. Today, it offers savings, payments, investments, loans and mortgages to consumers as well as wholesale banking products.
What types of ING bank accounts are there?
ING offers a number of bank accounts for you to choose from:
- ING Checking Account. Along with a checking facility, this account comes with Internet banking, mobile payments through Apple and Android Pay, as well as a debit card with contactless payments.
- ING Children’s Checking Account. This checking account helps children up to the age of 12 explore the basics of money management. Parents can monitor the account balance at all times through their own MyING account.
- ING Youth Checking Account. Aimed at those aged 12 to 18, this account offers features similar to that of the Children’s Checking Account. However, after the age of 16, ING Youth Account users can enjoy contactless payment features and an Orange Savings Account.
- ING Student Account. Besides a standard savings account, you can enjoy a credit card with a €1,000 spending limit using the ING Student Account. Account users may also get discounts and complimentary advice on student insurance products.
- ING Orange Savings Account (OSA). The OSA is an interest-bearing account that helps you save with up to 10 different sub-accounts, also known as savings pots. As of 1st January 2022, interest rates range from -0.5% to 0% per annum, depending on your account balance.
How much do ING bank accounts cost?
ING bank accounts have different fee types depending on your account type, currency and existing balance. Explore potential fees below to get an understanding of how much an ING bank account could cost.
- Deposit fees. Certain ING bank accounts, like the ING Children and Youth Checking Accounts, charge €6 per deposit after six free cash deposits each month.
- Charge for additional debit cards. Each additional debit card typically comes with a fee of €4.50 per card.
- Fee for foreign currency cash withdrawals. Cash withdrawals in non-Euro currencies are charged €3.50 per transaction in the Netherlands, and an additional 1.4% of the transaction.
- Account statement fees. Hard-copy accounts cost €1.00 per month. If you’d like to opt for e-statements instead, you can do so easily by changing your monthly statement preferences via online banking.
- Joint banking. For an additional €3.40 per month, you can convert your ordinary checking account into a joint checking account to share with a spouse or partner. It comes with an extra debit card, joint access to internet banking and mobile payments for both users.
How to sign up for an ING bank account
Just like any other Dutch bank account, you must generally be aged 18 and above, hold a Dutch passport or driving license and have a residential address in the Netherlands in order to sign up with ING. However, do note that eligibility requirements could differ depending on the type of ING bank account you’re signing up for.
First-time clients can sign up directly by downloading the ING app on their smartphones. You are eligible to apply using this sign-up method if you’re above 18 and hold a Dutch passport or Netherlands residence. If you don’t meet these conditions, you can sign up for an ING bank account at a nearby ING office.
Existing clients may open any additional bank account by logging in to your My ING web portal or app.
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