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Rabobank vs ING

Compare these Netherlands banks and pick the right one for you.

Rabobank and ING are two of the largest Dutch banks in the Netherlands. Both banks offering a range of feature-rich accounts that come with low fees and a seamless transaction experience.

This article will provide a side-by-side comparison of Rabobank’s and ING’s accounts to help you discover which bank is best for you.

Quick Review: Rabobank vs ING

  • Rabobank, like ING, caters to clients with different banking needs through its diverse offering of bank accounts. Some of its bank accounts are completely free, coming with features such as intuitive digital banking platforms, strong account security and even customised insights that help you save more.
  • ING serves over 38 million customers around the world. In the Netherlands, it offers a range of current and savings accounts, with the most affordable account starting at €0 per month. Regardless of which account you choose, you can expect the latest features on the market like support for Apple Pay, iDEAL transfers, and complimentary debit cards.

Breakdown of Rabobank vs ING

Monthly fees
  • Rabo Internet Savings Account: € 0 per month
  • Rabo Target Savings Account: € 0 per month
  • Rabo Green Savings: € 0 per month
  • Rabo Rainbow Account: € 0 per month

Although there are no costs associated with these accounts themselves, there are additional costs related to subscribing to specific banking packages needed to access these accounts

  • Rabo Direct Package: € 1.70 per month
  • Rabo Basic Package: € 3.10 per month
  • Rabo Total Package: € 5.00 per month
  • ING Children’s Checking Account: € 0 per month
  • ING Youth Checking Account: € 0 per month
  • ING Student Account: € 0 per month
  • ING Orange Savings Account (OSA): € 1.70 per month
Digital payments
  • Apple Pay
  • Rabo Wallet
  • GarminPay
  • FitbitPay
  • Apple Pay
  • Internet banking and worldwide payments via Rabo InternetBankieren
  • Mobile banking via Rabo Bankieren
  • Contactless payments through your complimentary debit card (RaboWereldpas)
  • Access to iDEAL payments service
  • Internet banking and worldwide payments via MyING
  • Mobile banking app
  • Contactless payments through your complimentary debit card
ATM withdrawals
  • Withdrawal of Euros in the Netherlands and other EEA countries: €0
  • Withdrawal of foreign currencies: € 3.50 per transaction +1.2% exchange rate surcharge
  • Withdrawal of Euros with a credit card: € 4.50 per transaction
  • Free withdrawal of Euros in the Netherlands and other EEA countries for the first 12 times per calendar year
  • Withdrawal of foreign currencies: € 2.50 per transaction
  • Withdrawal of Euros with a credit card: 4.00% of the amount withdrawn with a minimum of € 4.50 per transaction
Savings function
  • Rabo Internet Savings Account: Up to 0.01% (variable)
  • Rabo Target Savings Account: Up to 0.50% (fixed)
  • Rabo Fixed Savings Account: Up to 0.80% (fixed)
  • Rabo Rainbow Account: Up to 0.10% (variable)
  • Orange Savings Account: 0.01% (balance between €0 and €100,000)
Money management
  • Customised Money Boxes to separate savings goals, financial insights through the Rabo App
  • Segregated savings vaults, notifications for account activity, adjustable savings targets, a dashboard to monitor progress towards your savings goals
  • Real-time notifications for your account activity
  • Biometric, FaceID or secure 2FA logins
  • Unique colour-coded login verification through Rabo Scanner
  • Deposits up to €100,000 guaranteed by De Nederlandsche Bank (DNB)
  • SSL-Layer encryption
  • Virtual keypad to input access codes, to prevent keylogging
  • Real-time notifications for your account activity
  • Deposits up to €100,000 guaranteed by De Nederlandsche Bank (DNB)
Social responsibilityRabobank lets you direct your savings towards sustainable causes through the Green Deposits and Savings Accounts.NIL
In-depth review
Learn more Rabobank


Rabobank and ING have dominated the Dutch banking scene for decades, and it’s not hard to see why. As some of the first banks to introduce digital payments and banking in the Netherlands, both Rabobank and ING come with their own suite of affordable payments features and mobile wallets.

However, there are a few key factors that you can use to compare these providers.

ING stands out with its array of complimentary accounts for students and the youth. If you want a simple, fuss-free account opening experience and a specific youth account, ING is a great choice to consider.

On the other hand, Rabobank may be suited to those who are environmentally conscious or are looking for compatibility with wearable and mobile payment systems. After all, Rabobank comes with two different sustainable savings accounts and offers additional payment methods with third-party devices like Fitbit.

Ultimately, when comparing Rabobank vs ING, it’s important to consider your own banking needs first. The best bank for you could be different from someone else. Be sure to compare each option and make a decision based on your finances.

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