The Dutch Deposit Guarantee generally applies to all organisations but there are a few exceptions financial institutions, government bodies and investment firms aren’t covered.
Heads up: if you’re a sole proprietorship owner and you’ve got both a personal and a business account with ING, we’ll add up the balances that means your total savings across both accounts are protected up to €100,000.
"}},{"componentType":"paragraph","title":"Which accounts are covered?","richBody":{"value":"Your business or association might have one or more of these:
If you’re a sole propietorship owner with both personal and business accounts at ING, we’ll combine the balances. You’ll get back the total amount up to €100,000 per person.
For other types of organisations, the maximum is €100,000 per organisation.
Need more details? Visitthispage (Dutch) from De Nederlandsche Bank.
Business accounts can have two or more people who share access. In that case, we add up the total balance across the accounts But when it comes to the Dutch Deposit Guarantee, it’s treated as if there’s just one account holder, The maximum coverage is still €100,000.
Heads up:
From 1 April 2025, the way the Dutch Deposit Guarantee protects non-natural persons without legal personality is changing.
What is changing?
Until 1 April 2025, each member of a business partnership is covered up to €100,000 per person, per bank but after that date, the law sees the partnership as one single entity. That means the coverage will be €100,000 per partnership, per bank not per individual member.
Click here for more information (Dutch).
"}},{"componentType":"paragraph","title":"Getting your money back","richBody":{"value":"De Nederlandsche Bank will announce on its website when the Dutch Deposit Guarantee kicks in. You’ll also find instructions there on how to claim your money. Once you’ve made a claim, you’ll get your money back within 7 working days.
"}},{"componentType":"paragraph","title":"What about your personal accounts?","richBody":{"value":"The Dutch Deposit Guarantee also covers personal accounts. If you’ve got money in your private ING accounts; you’re covered up to €100,000. Clickherefor more information (Dutch).
Normally, we don’t offset credit and debit products. But if you’ve got money sitting on debit products like credit cards, loans or mortgages because you’ve overpaid or made a deposit, that amount is usually covered by the Dutch Deposit Guarantee.
Since 1 January 2014, savings accounts linked to your home (like a savings-based mortgage) are treated a bit differently. With this type of mortgage, you pay interest but don’t repay the loan directly. Instead, you make monthly savings payments. These, plus the interest you earn, are meant to pay off the mortgage at the end. That’s called a home savings deposit.
Under the Dutch Deposit Guarantee, the value of your home savings deposit is subtracted from your mortgage. In most cases, the deposit is smaller than the mortgage itself. After this calculation, your deposit ends up at €0 which means you won’t be able to claim anything for it under the guarantee.
"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & informatie"},"textLinks":[{"url":"https://www.dnb.nl/betrouwbare-financiele-sector/nederlandse-depositogarantie/","text":"Bekijk hier de uitlegvideo's"},{"url":"https://assets.ing.com/m/403dc06bc9590d14/original/Depositor-information-template_ING-Bank-NV.pdf","text":"Depositor information template ING Bank N.V. (PDF)"},{"url":"https://assets.ing.com/m/641ca5fae54cf01b/original/Informatieblad-depositogarantiestelsel-voor-de-rekeninghouder_ING-Bank-NV.pdf","text":"Informatieblad depositogarantiestelsel voor de rekeninghouder ING Bank N.V. (PDF)"}]},{"componentType":"linkList","iconTitle":{"title":"Service & Contact"},"textLinks":[{"url":"/zakelijk/klantenservice/je-gegevens-wijzigen","text":"Organisatiegegevens Wijzigen"},{"url":"/zakelijk/klantenservice/service-en-dienstverlening","text":"Service en dienstverlening"},{"url":"/zakelijk/klantenservice/service-en-dienstverlening","text":"Klantenservice"},{"url":"/zakelijk/klantenservice/aanmelden-nieuwsbrief","text":"Zakelijke nieuwsbrieven"}]}]}}}