Would you like to open a business bank account? In most cases, you can do this online. Apply for your business account and see for yourself.
"}},{"componentType":"applicationProcess","steps":{"title":"Apply for your business account in 4 steps","stepList":[{"title":"Register your business at the Chamber of Commerce","body":"Only if your company is registered at the Dutch Chamber of Commerce, you can apply for a business account."},{"title":"Apply for your business account","body":"In most cases, this can be done online. Sometimes it is still necessary to visit an ING branche office. After answering the first few questions, you will see this automatically."},{"title":"We check your application","body":"Before we can open the account, we have to check your personal info and company details. Sometimes we have some extra questions and we will contact you."},{"title":"Your business account is opened...","body":"...when your application is approved. You will receive your account number, corporate debit card, PIN code, and access to My ING Business in 4 different letters within 5 working days. After this you can add your business account in the ING App."}]}},{"componentType":"sectionTitle","title":"Fees & charges of a business current account"},{"componentType":"paragraph","richBody":{"value":"You can easily apply for a business account for your sole proprietorship, private limited company, or general partnership online. Even if you have a public limited company, association, foundation, or religious community, you can still open a business bank account with us.
"},"textLinks":[{"url":"/en/business/payments/business-account/starter_decision_tree","text":"Apply now"}]},{"title":"Can I open a business account without a Chamber of Commerce number?","richBody":{"value":"Without registration with the Chamber of Commerce, it is not possible to open a business account with ING.
Exceptions include:
No, the business account is exclusively intended for transferring, depositing, receiving, and withdrawing funds related to the account holder’s profession or business. See Article 5.1 of the Terms and Conditions and other Business Regulations.
"}},{"title":"Is a business account mandatory?","richBody":{"value":"Not only at ING, but also at many other banks, it is mandatory to open a business bank account if you have business income and expenses. A private bank account is intended exclusively for private use. However, the tax authorities do not require you to open a business account.
"}},{"title":"Can I overdraw a business account?","richBody":{"value":"Yes, this is possible with a Business Overdraft. The amount of your credit limit depends on your company's situation. A credit facility involves costs.
"},"textLinks":[{"url":"/en/business/loans-and-finance/business-overdraft","text":"Info Business Overdraft"}]},{"title":"How can I apply for an additional business account?","richBody":{"value":"Would you like to open another business account for the same organisation under the same Chamber of Commerce number? You can easily do this in My ING Business.
"},"textLinks":[{"url":"/zakelijk/betalen/zakelijke-rekening/extra-zakelijke-rekening","text":"Open an additional business account (in Dutch)"}]},{"title":"Can I open a business account if I have a BKR registration?","richBody":{"value":"When you apply for a business account, we check the Credit Registration Office (BKR) register to see whether you have any outstanding loans or payment arrears. A negative BKR registration may result in us not accepting you as a business customer.
"}},{"title":"Why do I have to pay for customer research?","richBody":{"value":"Combating financial and economic crime—such as money laundering, corruption, and terrorist financing—is essential to maintaining confidence in the financial system. Financial institutions, including ING, act as gatekeepers by detecting and preventing criminal money flows.
This monitoring involves costs, part of which we pass on to business customers. The rate depends on your legal form, as the complexity of customer research can vary.
"},"textLinks":[{"url":"/zakelijk/betalen/tarieven/kosten-klantonderzoek","text":"Information about customer research costs (in Dutch)"}]},{"title":"How do I transfer my business account from another bank to ING?","richBody":{"value":"What a great idea! This is possible with our free Bank Switch Service. We will forward your incoming and outgoing payments to your new business account for 13 months. Companies that collect payments from your old business account will automatically receive your new account number.
"},"textLinks":[{"url":"/en/business/payments/business-account/bank-switch-service","text":"How to switch to us"}]},{"title":"Can I apply for a business account for a private limited company or public limited company that is currently being established?","richBody":{"value":"No, that is not possible. You can only apply for a business account after the incorporation of a "private limited company" (bv) or "public limited company" (nv) has been completed.
"}},{"title":"Can I convert my personal account into a business account?","richBody":{"value":"It is not possible to convert a personal account into a business account, nor the other way around.
"}},{"title":"Can I open a business account as a minor?","richBody":{"value":"Are you an entrepreneur but not yet 18 years old? According to the law, you are still legally incompetent. This means you cannot independently enter into a business agreement and therefore cannot open a business account.
Unless you have obtained a document of emancipation from the subdistrict court. Emancipation grants a 16‑ or 17‑year‑old certain legal powers normally reserved for adults. Because this is a court document, we require an official copy. With this document, you can apply for an account at an ING branch.
"},"textLinks":[{"url":"/en/business/payments/business-account/request/branche30","text":"Make an appointment at an ING branche"}]},{"title":"Can I apply for a business account if I have not registered the UBO(s) in the UBO register?","richBody":{"value":"This depends on the legal form of your organisation. For example, a sole proprietorship does not need to register an ultimate beneficial owner (UBO), while a private or public limited company does. See here which rules apply to which legal form.
"}},{"title":"Claim your Startup Business Package cashback","richBody":{"value":"After opening your Startup Business Package, you will receive an email from ING within one week containing a link to the cashback form. Complete your business details, submit the form, and we will take care of the rest.
If you are eligible, the cashback will be credited to your new business account within four weeks.
"}},{"title":"Can I cancel my application for a business banking account?","richBody":{"value":"At the moment, it’s not possible to cancel your application for a business account. This applies to both the Startup business package and the Entrepreneur Package. Your application will be automatically closed after 30 days, so there’s nothing you need to do. You may still receive reminder emails during this period, which you can safely ignore.
"}}]},{"componentType":"cta","microCopy":"Keep your Chamber of Commerce-number at hand","textLink":{"url":"/en/business/payments/business-account/starter_decision_tree","text":"Apply for a business banking account"}},{"componentType":"linkList","iconTitle":{"title":"General conditions and other regulations Business"},"textLinks":[{"url":"https://assets.ing.com/m/d90134a7ed4becea/original/ING-voorwaarden-en-overige-regelingen-zakelijk.pdf","text":"General conditions and other regulations Business (PDF)"},{"url":"/en/business/customer-service/new-terms-and-conditions-business","text":"General conditions and other regulations Business as of 1 July 2026"}]},{"componentType":"linkList","iconTitle":{"title":"All business accounts"},"textLinks":[{"url":"/en/business/payments/business-account/startup-business-package","text":"Startup business package"},{"url":"/en/business/payments/business-account/entrepreneur-package","text":"Entrepreneur package"},{"url":"/en/business/payments/business-account/associations-and-foundations-starters","text":"Associations & foundations starter"},{"url":"/en/business/payments/business-account/associations-and-foundations","text":"Associations & foundations non-starter"},{"url":"/zakelijk/betalen/zakelijke-rekening/extra-zakelijke-rekening","text":"Extra business account"},{"url":"/zakelijk/betalen/zakelijke-rekening/g-rekening","text":"Tax payments account"},{"url":"/zakelijk/betalen/zakelijke-rekening/derdengeldenrekening","text":"Third-party funds account"},{"url":"/en/business/payments/business-account/foreign-currency-account","text":"Foreign currency account"}]},{"componentType":"paragraph","richBody":{"value":"🛈 We offer the English information on ING.nl as an additional service. This information was translated from Dutch, and in case of any inconsistency, the original Dutch text shall prevail.
"}}]}}}