{"type":"document","data":{"id":"525f7f23-6dbe-4f36-bcac-615104bbec04","localeString":"en-GB","publishDate":"2026-02-24T14:25:09.257+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"No more turnover on your Business account? Keep an eye on the balance and prevent unauthorised overdrafts."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"As an entrepreneur, you have opened a Business Account because you have business income and expenses. For using this account, you are charged monthly fees. We automatically debit these costs from this account on the 26th of the month.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/0c02b846-f48b-4719-9a93-3fb248da7118/Solar-panels-on-the-roof-of-a-parking-lot","type":"image","width":4869,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/582ee95b8b0b1737/original/Solar-panels-on-the-roof-of-a-parking-lot.jpg","extension":"jpg"},"title":"Prevent unauthorised overdrafts"},"backLink":{"textLink":{"url":"/en/business/payments/business-account","text":"Business current account"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Take action"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>If hardly any income is received on the Business Account and/or the balance on the account is too low, it may happen that due to the automatic debiting of the package costs, the balance of this account becomes negative. </span></span></span>You pay debit interest on the amount that you are in the unauthorised overdraft. To prevent this, we request that you make a transfer on time, so that there is sufficient balance on your account.</p>"}},{"componentType":"sectionTitle","title":"Tips"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Set up a periodic transfer. You can do this in the transfer screen via &apos;schedule&apos;. Click <a data-type=\"internal\" href=\"/en/personal/payments/money-transfers/recurring-transfer\">here</a> for more information about setting up a periodic transfer.<ul><li>Please note: When setting the execution date, take into account that the package costs are debited monthly on the 26th and the package costs may vary from month to month. <a href=\"https://www.ing.nl/zakelijk/betalen/tarieven/basis-betaalproducten\">Click here to view the fees for the payment products.</a></li></ul></li><li><p>Set up that you receive a notification on your phone when your balance is lower than a certain amount (specified by you). <a href=\"https://www.ing.nl/zakelijk/digitaal-bankieren/app/pushnotificaties\">Read here how to set this up.</a></p></li><li><p>Want to become and remain financially healthy? View <a data-type=\"internal\" href=\"/zakelijk/financieel-gezond\">tips and tricks</a> to become and remain financially healthy as a company. If you are concerned about the financial health of your company, request free help via <a href=\"http://www.ing.nl/zakelijk/financieel-gezond/geldfit\">Geldfit Zakelijk.</a> (Information in Dutch).</p></li><li><p>(Temporary) Permitted overdraft? Check <a data-type=\"internal\" href=\"/en/business/loans-and-finance/business-overdraft\">here</a> if your company qualifies to apply for a Business Overdraft.</p></li></ul>"}},{"componentType":"sectionTitle","title":"Do you no longer need the Business Account?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Of course, we regret that very much. You can simply close the account yourself via My ING Business Account. This way you avoid unnecessary costs due to being in debt. </span></span></span></p>"},"textLinks":[{"url":"/zakelijk/klantenservice/service-en-dienstverlening/opzeggen","text":"More information about closing your Business Account"}]},{"componentType":"feature","featureName":"survey-starter?surveyName=351f1964-3011-4b72-88f0-b619cdd88898&withCard=true"}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p><small class=\"footnote\">🛈 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.</small></p>"}}]}}}