{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Applying for a business credit card at ING? Find out how it works with a possible BKR registration.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"1. What is BKR?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Banks and other credit providers register business loans and credit for sole proprietorships and partnerships (general partnerships, limited partnerships and professional partnerships). The registered details always relate to natural persons, such as partners and associates.<br />The reason for BKR registration with these legal forms is that the natural persons are personally liable for repaying the business credit.</li><li>Only business loans and credit of more than €250 with a term longer than 1 month are registered.</li><li>Banks and other credit providers use this information to assess whether granting a business credit card, loan or credit is responsible.</li><li>A negative BKR registration remains for 5 years after repayment.</li></ul>"},"title":"Stichting BKR is an independent organisation that collects and manages all credit information in the Netherlands."},{"accordionList":[{"richBody":{"value":"<p>You can request your current credit overview at BKR.nl. This service is free.</p><p><a href=\"https://www.mijnkredietregistratie.nl/nl/veelgestelde-vragen/mijn-kredietoverzicht/welke-gegevens-kan-ik-inzien-via-mijnkredietregistratienl\">View your BKR details</a></p>"},"title":"View your BKR registration as an entrepreneur: here’s how."}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"2. Do I get a BKR registration for a business credit card via ING?"},{"componentType":"paragraph","richBody":{"value":"<p>No, you do not get a BKR registration for applying for and using a <a href=\"https://www.ing.nl/en/business/payments/business-credit-cards/businesscard\">business credit card </a>with ING, the ing businesscard. However, the BKR register is checked when applying for an ing businesscard if your business is a sole proprietorship or partnership (general, limited or professional).</p><p>Important: for partnerships, at least one managing partner must be a natural person.<br /> </p>"}},{"componentType":"sectionTitle","title":"3. I have a private limited company (bv), can I apply for a business credit card without BKR registration at ING?"},{"componentType":"paragraph","richBody":{"value":"<p>No, for a bv (and also nv), no BKR registration takes place when you apply for a business credit card at ING.</p>"}},{"componentType":"sectionTitle","title":"4. Can I apply for a business credit card at ING without a BKR check?"},{"componentType":"paragraph","richBody":{"value":"<p>Is your business a bv or nv? Then no BKR check takes place.</p>"}},{"componentType":"sectionTitle","title":"5. What else is needed for a business credit card besides a credit check?"},{"componentType":"paragraph","richBody":{"value":"<p>You can get a business credit card with a positive credit check for your business and a positive BKR check if you have a sole proprietorship or partnership. If you have an nv or bv, the BKR check does not apply. Also keep in mind:</p><ul><li>You have had a business account with ING for at least 3 months.</li><li>You receive sufficient monthly income from your business into your ING business account (minimum 3 months).</li><li>You actively use your account for payments. </li></ul>"}},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/34f2d2a4354173ab/original/Woman-resting-her-feet-on-a-suitcase-in-an-airplane-hall.jpg","transformBaseUrl":"https://assets.ing.com/transform/616b338f-8416-41bf-a4d6-09a4613ec47b/Woman-resting-her-feet-on-a-suitcase-in-an-airplane-hall","type":"image","width":4096},"intro":"The business credit card for SMEs and self employed","link":{"url":"/en/business/payments/business-credit-cards/businesscard"},"title":"ING Businesscard"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/1f61dd12fc88d5f2/original/Sector-magazine-leisure-winter-2023.jpg","transformBaseUrl":"https://assets.ing.com/transform/a2e082cd-9826-4447-8d7d-1e8e5789c416/Sector-magazine-leisure-winter-2023","type":"image","width":2508},"intro":"The business credit card for large companies","link":{"url":"/en/business/payments/business-credit-cards/corporate-card"},"title":"ING Corporate Card"}],"componentType":"cards"}]},"hasMacro":false,"id":"c7d0e96a-75be-4450-a7c6-d86b92ecbc79","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Apply for a business credit card","url":"/en/business/payments/business-credit-cards"}},"componentType":"productHeader","coreHeader":{"body":"Check the answers to 5 frequently asked questions and find out how BKR registration works when applying for a business credit card with ING.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/777f6a13dd5fa12a/original/credit-card-for-professional-use-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/c9ca5095-9c3c-4255-a8f4-d763550fef3c/credit-card-for-professional-use-1920","type":"image","width":1920},"subtitle":"How does it work?","title":"Business credit card and BKR"},"cta":{"componentType":"cta","microCopy":"From self employed  to corporates","textLink":{"text":"Choose your credit card","url":"/en/business/payments/business-credit-cards"}}},"publishDate":"2025-12-09T15:07:01.572+01:00"}}