{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"With ING's Third Party Account, you choose an account specifically designed for this purpose. For those who want to make payments for a third party but are not a notary, lawyer or bailiff.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>You can open a </span></span></span></span><span><span><span><span><span>Third party</span></span></span></span></span><span><span><span><span><span> account </span></span></span></span></span><span><span><span><span>at one of our ING </span></span></span></span><span><span><span><span><span>branches</span></span></span></span></span><span><span><span><span>. Please call us first to schedule an appointment. You can do this via the </span></span><a href=\"https://www.ing.nl/en/business/customer-service/contact\">Customer Service Business</a>.</span></span></p>"}},{"componentType":"sectionTitle","title":"Product"},{"componentType":"paragraph","richBody":{"value":"<ul><li><span><span><span><span><span><span><span><span>Only for managing your clients’ money</span></span></span></span></span></span></span></span></li><li><span><span><span><span>Funds in this account are kept separate from your own assets – extra </span></span></span></span><span><span><span><span><span>protection</span></span></span></span></span><span><span><span><span> for your clients</span></span></span></span></li><li><span><span><span><span><span><span><span><span>Easy transactions via</span></span></span></span></span></span></span></span> <a href=\"https://mijnzakelijk.ing.nl/login/\">My ING Business</a> and the <a href=\"https://www.ing.nl/en/business/digital-banking/app\">ING App</a></li><li><a href=\"https://www.ing.nl/en/business/customer-service/manage-your-details/joint-transaction-approval\">Joint approval of transactions</a> <span><span><span><span><span><span><span><span>is possible (and always required for lawyers)</span></span></span></span></span></span></span></span></li><li>Always online access and the ability to transfer funds any time of day</li><li>No link to other payment products like Direct Debit or a Debit Card</li></ul>"},"title":"Features"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span>Already have a Business Account? You can convert it into a </span></span></span></span></span><span><span><span><span><span>Third party</span></span></span></span></span><span><span><span><span><span> account. </span></span></span></span></span><a href=\"https://assets.ing.com/m/9f35d722c47a482d/original/Derdengeldenrekening-omzetten-van-uw-huidige-Zakelijke-Rekening-naar-een-Derdengeldenrekening-264733-0413.pdf\">Submit your request here</a>. <span><span><span><span><span><span><span><span>You’ll keep your account number.</span></span></span></span></span></span></span></span></p>"},"title":"Convert your Business Current Account to a Third party account?"},{"componentType":"sectionTitle","title":"Is the Third party account for you?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>You’re registered with the Chamber of Commerce as a notary, lawyer or bailiff</li><li>You need a dedicated account for managing client funds<br /><br /><span><span><span><span><span><span><span><span>This account isn’t for making payments </span></span></span></span><span><span><span><span><span>on behalf of a third party </span></span></span></span></span><span><span><span><span>if you’re not a notary, lawyer or bailiff. If you want to make payments for a third party, ask them to give you access to their account. Find more info about granting authorisations for personal accounts on the </span></span></span></span></span></span></span></span> ‘<a href=\"https://www.ing.nl/en/personal/customer-service/change-personal-details/manage-banking-authorisation\">Authorisations</a>’<span><span><span><span><span><span><span><span> page. For business accounts, check </span></span></span></span></span></span></span></span>‘<a href=\"https://www.ing.nl/en/business/customer-service/manage-your-details/manage-your-legal-representative-or-authorised-party\">Handing over your banking</a>’<span><span><span><span><span><span><span><span>.</span></span></span></span></span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"Cost of the account"},{"componentType":"paragraph","richBody":{"value":"<ul><li>The Third party account costs %{prijs.zbt:basis.bankieren.derdengeldenrekening.eur}% per month.</li><li>You’ll also pay for the payment services you use like payments and account information. You can find these costs in our <a href=\"https://www.ing.nl/en/business/payments/rates/basic-payment-solutions\">price overview</a>.</li></ul>"}},{"componentType":"paragraph","richBody":{"value":"<ul><li>Click <a href=\"https://www.ing.nl/en/business/payments/rates/basic-payment-solutions\">here</a>for the current rates. <span><span><span><span><span><span><span><span><span>We can change these rates at any time.</span></span></span></span></span></span></span></span></span></li><li>Overdrawing the account is not allowed.</li></ul>"},"title":"Interest"},{"componentType":"paragraph","richBody":{"value":"<p>You’ll get a monthly invoice in My ING Business showing all costs. </p><ul><li>We’ll debit the costs from your account once a month.</li></ul>"},"title":"How we settle costs"},{"componentType":"sectionTitle","title":"Terms and Conditions for the Third party account"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span><span><span>When you apply for a </span></span></span></span><span><span><span><span>Third party</span></span></span></span><span><span><span><span> account, it’s important to know what to expect. You’ll find all the details in the terms below. They cover the rules for using the account and making </span></span></span></span><span><span><span><span><span>payments</span></span></span></span></span><span><span><span><span>. You’ll also find the </span></span></span></span><span><span><span><span><span>General Banking Conditions </span></span></span></span></span><span><span><span><span>there.</span></span></span></span></span></span></span></span></p>"},"textLinks":[{"text":"Terms and conditions Third Party Account (PDF)","url":"https://assets.ing.com/m/a5753268810eb544/original/NIR_voorwaarden-Derdengeldenrekening.pdf"},{"text":"Conversion"}]},{"componentType":"linkList","iconTitle":{"title":"General conditions and other regulations Business"},"textLinks":[{"text":"General conditions and other regulations Business (PDF)","url":"https://assets.ing.com/m/d90134a7ed4becea/original/ING-voorwaarden-en-overige-regelingen-zakelijk.pdf"},{"text":"General conditions and other regulations Business as of 1 July 2026","url":"/en/business/customer-service/new-terms-and-conditions-business"}]},{"componentType":"sectionTitle","title":"Amendments to the Terms and Conditions for the Third Party Account effective from 15 December 2026"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>We have updated and clarified the Terms and Conditions for the Third Party Account (Voorwaarden Derdengeldenrekening), effective from 15 December 2026. Below, we outline the main amendments and clarifications.</span></span></span></span></p>"}},{"accordionList":[{"richBody":{"value":"<ul><li><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\"><span>Article 1 Relationship. </span></span></strong><span lang=\"EN-US\" dir=\"ltr\"><span>This article has been updated to clarify that, in addition to the General conditions and other regulations Business (Voorwaarden en overige regelingen Zakelijk), the brochure Rates for business transactions services (Tarieven zakelijk Betalingsverkeer) also forms part of the Third Party Account Agreement. In addition, the provision applicable to Lawyers has been updated to refer to Article 6.4 of the Regulation on the Legal Profession (Verordening op de Advocatuur) in conjunction with Article 32 of the Implementing Rules on the Legal Profession (Regeling op de Advocatuur).</span></span></span></span></span></li><li><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\"><span>Article 4 Usage. </span></span></strong><span lang=\"EN-US\" dir=\"ltr\"><span>In this article it has been added to clarify that joint approval of transactions is mandatory for “Stichting Beheer Derdengelden” established by lawyers.</span></span></span></span></span></li><li><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\"><span>Article 6 Interest.</span></span></strong> <span lang=\"NL\" dir=\"ltr\"><span>This article clarifies that ING determines the applicable interest rate and publishes the current interest rates on</span></span><span lang=\"EN-US\" dir=\"ltr\"><span> ing.nl/zakelijk. Also, in the event of changes in interest rates. The latter was first indicated in Article 8 and is incorporated with this article, </span></span><span lang=\"NL\" dir=\"ltr\"><span>resulting in the removal of Article 8. </span></span><span lang=\"EN-US\" dir=\"ltr\"><span>In addition, a new Article 6.8 has been added, stating that historical interest rates for the Third Party Account will also be published on ing.nl/zakelijk.</span></span></span></span></span></li><li><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\"><span>Article 7 Fees.</span></span></strong><span lang=\"EN-US\" dir=\"ltr\"><span> This article is updated and clarifies that changes in the rates, as included in the brochure Rates for business transactions services (Tarieven zakelijk Betalingsverkeer), </span></span><span lang=\"NL\" dir=\"ltr\"><span>may be implemented by the Bank without prior notice.</span></span></span></span></span></li><li><span><span><span><strong><span lang=\"EN-US\" dir=\"ltr\"><span>Article 8 Interest Rate Changes</span></span></strong><span lang=\"EN-US\" dir=\"ltr\"><span>. This article has been removed, as its content has been incorporated into Article 6 Interest. </span></span><span lang=\"NL\" dir=\"ltr\"><span>As a result, the numbering of the subsequent articles has been adjusted.</span></span></span></span></span></li></ul>"},"title":"Main amendments"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span lang=\"EN-US\" dir=\"ltr\"><span>Below you can find both the updated Terms and Conditions, effective from 15 December 2026, and the previous version, valid up to and including 14 December 2026.</span></span></span></span></p>"},"textLinks":[{"text":"Terms and Conditions Third Party Account effective from 15 December 2026 (Dutch)","url":"https://assets.ing.com/asset/eb52e365-c514-475e-a6d6-27a476218553/Voorwaarden-Derdengeldenrekening-per-15-december-2026.pdf"},{"text":"Terms and Conditions Third Party Account valid up to and including 14 December 2026 (Dutch)","url":"https://assets.ing.com/m/a5753268810eb544/original/NIR_voorwaarden-Derdengeldenrekening.pdf"}]},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"<p>The Third party account is intended solely for managing client funds, not for your own business operations. Therefore, you cannot link products to a Third party account. For example, it is not possible to:</p><ul><li>Request a Direct Debit contract</li><li>Collect payments from this account</li><li>Request a Bank Guarantee</li><li>Apply for a Credit Card or any other credit</li></ul>"},"title":"What can I use my Third party account for?"},{"richBody":{"value":"<p><span><span><span><span>Yes, you can. Just use </span></span></span></span><a href=\"https://mijnzakelijk.ing.nl/login/\">My ING Business</a> or the <a href=\"https://www.ing.nl/en/business/digital-banking/app\">ING App</a>.</p>"},"title":"Can I do payments directly from the Third party account?"},{"richBody":{"value":"<p><span><span><span><span>You can contact our </span></span></span></span><a href=\"https://www.ing.nl/en/business/customer-service/contact\">Customer Service Business</a>.</p>"},"title":"I need a confirmation statement for my Third party account. How do I request it?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Downloads & Information Third Party Account"},"textLinks":[{"text":"Terms and conditions Third Party Account (PDF)","url":"https://assets.ing.com/m/a5753268810eb544/original/NIR_voorwaarden-Derdengeldenrekening.pdf"},{"text":"Conversion to Third Party Account (PDF)","url":"https://assets.ing.com/m/9f35d722c47a482d/original/Derdengeldenrekening-omzetten-van-uw-huidige-Zakelijke-Rekening-naar-een-Derdengeldenrekening-264733-0413.pdf"}]},{"componentType":"linkList","iconTitle":{"title":"More about payments"}}]},"hasMacro":true,"id":"d892756a-c430-433f-aa8f-fb538059fd70","localeString":"en-GB","macros":["prijs.zbt:basis.bankieren.derdengeldenrekening.eur"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Business current account","url":"/en/business/payments/business-account"}},"componentType":"productHeader","coreHeader":{"body":"Are you a notary, lawyer or bailiff? Then you’re legally required to use a separate account for managing client funds. ING’s Third party account is designed for exactly that.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/40b40aadd66fb93b/original/Coworkers-at-office.jpg","publishedAt":"2022-05-26T14:48:41Z","transformBaseUrl":"https://assets.ing.com/transform/86412611-144c-4ecb-af48-b47697485401/Coworkers-at-office","type":"image","updatedAt":"2022-08-22T08:57:59Z","width":3657},"subtitle":"Safe, fast and easy money management for your clients","title":"Third party account"},"usps":[{"body":"A business account for managing client funds","icon":{"extension":"png","original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","publishedAt":"2022-05-26T14:51:52Z","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","updatedAt":"2022-05-31T12:19:42Z","width":267}},{"body":"Tailored for notaries, lawyers and bailiffs","icon":{"extension":"png","original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","publishedAt":"2022-05-26T14:51:52Z","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","updatedAt":"2022-05-31T12:19:42Z","width":267}},{"body":"Easy transactions via My ING Business or the ING App","icon":{"extension":"png","original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","publishedAt":"2022-05-26T14:51:52Z","transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","updatedAt":"2022-05-31T12:19:42Z","width":267}}]},"publishDate":"2026-10-09T16:54:56.634+02:00"}}