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ING Student Account review

A useful everyday account for students in the Netherlands

The ING student account is an easy way for students to manage their finances. This review will explore the features and fees of ING’s student account, while weighing the pros vs cons, to help you decide if this is the right student account for you.

How does the ING student account work?

The ING student account is a free bank account for students in the Netherlands. It is offered by ING, a well-known bank in the Netherlands that provides bank accounts, credit cards, and loans.

The ING student account comes with useful features such as a mobile app, debit card, a student credit card, and discounts on student insurance. It is available to students aged 18 and above.

What features come with the ING student account?

  • Payments account. This account can be used for your everyday spending, from paying school fees to splitting the bill with friends.
  • Debit card. The ING student account comes with a debit card so you can spend on the go without worrying about credit card interest.
  • My ING mobile banking. Use ING’s mobile banking platform and app to manage your account anywhere you are.
  • Apple Pay. Take advantage of Apple Pay to make quick and easy payments with your phone.
  • Discounts on student insurance. Receive exclusive deals on your ING student insurance plan, such as full coverage for your dorm room.
  • Student credit card. This card helps you make secure payments in-store and online while earning points on your purchases.

What fees apply?

Take note of the following fees before signing up for an account:

  • Monthly fee: €0.
  • Cost of foreign currency transfers: Incoming wire transfers from non-SEPA regions are charged a fee of €6.
  • Cost of ordering a replacement debit card: €4.50 per card.
  • Monthly fee for student credit cards: You can get a student credit card for €14.40 per year.
  • Fee for ATM withdrawals in foreign currency: €3.50 in the Netherlands and 1.4% of the transaction.
  • Cost of foreign currency card payments: 1.2% of the transaction

Other fees may apply depending on how you use your account.

Pros and cons

Pros

  • Affordable student account with no monthly fees
  • Goes beyond basic account features, offers student-specific perks and discounts
Cons

  • International spending fees may add up for students who go on frequent exchanges or trips abroad

How do I sign up for an ING student account?

If you own an Android or iPhone (iPhone 7 and above), you can sign up for the ING student account via ING’s app. You can also an appointment at an ING office to sign up in person.

You will need to be 18 to apply for this account. You may be asked to provide documents like your ID and proof of enrollment.

Existing ING account users can convert their existing account into an ING student account through the My ING app.

Bottom Line

This student account from ING comes with the benefits of a current account, alongside student-specific benefits. From instant bank transfers to a handy debit card, the ING student account helps students manage their finances on the go. While it may not be the cheapest option for students who spend abroad, it is a great choice to consider for students in the SEPA region.

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