A Child current account (Kinderrekening) is a bank account for children aged 0 to 11. With a Child current account you can teach your child step by step how to handle money. With a Child current account children can receive pocket money and learn to pay and save.
The Child current account comes with a free separate Savings account (Oranje Spaarrekening). Children aged 6 and over will additionally get their own debit card with the account. And from the age of 8 over your child can also start making first experiences with digital banking with the ING App and My ING. You can keep track of the the account in your own app or My ING at all times.
A Child current account is free and easy to open in the app or My ING.
"}},{"componentType":"sectionTitle","title":"Receive €10 as a gift"},{"componentType":"promotionalBanner","icon":{"transformBaseUrl":"https://assets.ing.com/transform/14090052-7b83-4214-8c97-d8114de16c39/Circle-Present-11","type":"image","width":64,"original":"https://assets.ing.com/m/82c2d996a370bf1/original/Circle-Present-11.svg","extension":"svg"},"body":"Participate in the Promotion and","bodyBold":"get €10 as a gift.","date":{"date":"2026-07-31","body":"Valid from 16 jan up to"},"textLink":{"url":"https://assets.ing.com/m/57afe339d8cd5a21/original/Promotion-conditions-10-gift-Child-savings-and-Child-account.pdf","text":"Read Promotion Terms and Conditions"}},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Sign up for the Promotion via the registration form","textLink":{"url":"https://mijn.ing.nl/banking/mobile/campaign-management/7847d618-1ce6-5b85-8ae5-f81a4f1d1696?EW=true","text":"Registrationform €10 gift Child account"}},{"title":"Open a Child account","body":"After registering for the Promotion, you can immediately open the Child account."},{"title":"Deposit €10 or more into the Child account","body":"Do this within 2 weeks of opening the Child account."},{"title":"Here you go, €10 as a gift!","body":"You will receive €10 in your Child account no later than 6 weeks after fulfilling the Promotion Terms and Conditions."}]}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/campaign-management/7847d618-1ce6-5b85-8ae5-f81a4f1d1696?EW=true","text":"Sign up for the Promotion"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"/en/personal/children/promotion/frequently-asked-questions-10-euro-gift-child-account-and-child-savings-account","text":"Frequently asked questions about the Promotion"}]},{"componentType":"sectionTitle","title":"Saving up for something"},{"componentType":"paragraph","richBody":{"value":"Upon opening a Child current account your child also automatically receives a free Savings account. Handy! Because with the Savings account your child can create up to 10 saving goals. Saving goals make it easier to keep track and they motivate! Discuss what your child is saving for, create a savings goal together and keep track of progress through the app.
"},"textLinks":[{"url":"/en/personal/savings/savings-account","text":"More about the Savings account, interest rates and conditions"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/88ec2e50-1dcc-4a31-a43a-3f51f5c566ad/Savings","altTextNL":"Sparen","original":"https://assets.ing.com/m/1cb36a9ef65c26a4/original/Savings.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Design a unique debit card"},{"componentType":"paragraph","richBody":{"value":"Is your child 6 years or older at the moment of account opening? Then your child receives their own (contactless) debit card and a pincode. This card can be replaced once free of charge for a debit card with their own design! Do this before your child reaches the age of 18.
Please note, that children who are under the age of 6 at the time of opening will not yet receive a debit card. From the moment your child turns 6 years old, you can request the debit card yourself via the app or My ING.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/eb6116b8-34a5-4481-bc26-f044a1ea73cb/tip-debit-card","altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/3dfcb7258d8f319c/original/tip-debit-card.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Access to the app"},{"componentType":"paragraph","richBody":{"value":"From the age of 8, children can keep track of their money and create savinggoals via the ING app. Is your child ready for this? Then apply for My ING and download the app on your child's tablet or phone. With the help of the app, your child can become familiar with digital banking.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/80e4bf2e-fd20-4479-bc7a-ceb4bc2ee7c8/ING-app-Betaalverzoek-cropped","altTextNL":"Screenshot: Betaalverzoek","original":"https://assets.ing.com/m/3bc9c3af156fd78d/original/ING-app-Betaalverzoek-cropped.jpeg","extension":"jpeg"}},{"componentType":"sectionTitle","title":"And obviously you supervise"},{"componentType":"paragraph","richBody":{"value":"You know your child best. That's why we leave it up to you to estimate how much leeway you give your child. You can view the Child account and change settings via your own app and My ING. For example, the maximum amount your child can spend per day. You can also receive a notification when your child makes a payment.
"},"textLinks":[{"url":"/en/personal/children/digital-banking/giving-responsibility-step-by-step","text":"Give your child responsibility step by step"}],"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/86d22c3c-62bf-4201-891b-459640db446d/Mobile-Banking-app","altTextNL":"Mobile Banking app","original":"https://assets.ing.com/m/a35d79dafc9151b/original/Mobile-Banking-app.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"The Child account is free of charge"},{"componentType":"paragraph","richBody":{"value":"You do not pay any fees for the Child current account. However, we do charge for some extra (non-digital) services. Click the links below to get further information on the services we do charge for.
"},"textLinks":[{"url":"https://assets.ing.com/m/168b84ce21aa46c9/original/ING_Summary-of-costs-and-charges-for-ING-payment-products-for-personal-customers.pdf","text":"Summary of costs and charges for ING payment products for personal customers"},{"url":"/en/personal/payments/rates/current-accounts","text":"Summary of charges for non-digital use"},{"url":"/en/personal/payments/rates/payment-service-comparison","text":"Payment services compared"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/3155dacb-4d0b-4466-bfa1-5526cf192adb/Coins","altTextNL":"Payments","original":"https://assets.ing.com/m/2a7bd7993c765426/original/Coins.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Terms and Conditions"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"https://assets.ing.com/m/1a5ac987b499360/original/ING_Terms-and-Conditions-and-other-regulations.pdf","text":"Terms and Conditions and other regulations for private account holders"},{"url":"https://assets.ing.com/m/4144f92ab9e9da9c/original/terms_and_conditions_oranje_spaarrekening.pdf","text":"Conditions Savings account"}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"The Child current account and the Savings account have a variable rate of interest that can be positive, zero or negative. When the interest rate is positive, your child will earn interest, while a negative interest rate means that they will be charged interest.
Do you want to open a Child current account for your child? You can easily do that via your ING App or in My ING. It will only take 5 to 7 minutes. We ask you for information, such as your child's date of birth and Social Security Number (BSN). You can find this on the passport. We'll do some checks first. Everything okay? Then we'll open the account for your child. Of course, our privacy statement applies.
"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/mobile/open-account-child?flow-step=ing-select-child-step&EW=true","text":"Open a Child current account"}},{"componentType":"cta","textLink":{"url":"/en/personal/payments/bank-accounts/open-an-account","text":"Open an account for yourself first"}},{"componentType":"accordion","accordionList":[{"title":"At what age can you open a current account for your child?","richBody":{"value":"The Child current account is for children from 0 to 11 years old. The account grows with them. Step by step you can give them more responsibility. Is your child turning 12? Then we will automatically change the Child current account to a free of charge Youth current account.
"}},{"title":"Can you have a negative balance on a Child account?","richBody":{"value":"No, you can't have a negative balance on a Child account.
"}},{"title":"Do you receive interest on a Child account?","richBody":{"value":"The Child current account and the Savings account have a variable rate of interest that can be positive, zero or negative. When the interest rate is positive, your child will earn interest, while a negative interest rate means that they will be charged interest.
"}},{"title":"Is the money on a Child account protected?","richBody":{"value":"The balance is legally protected by the Dutch Deposit Guarantee, from 1 cent up to €100,000. This protection applies per bank and per person.
"}},{"title":"Who can view and manage the Childs account?","richBody":{"value":"The legal representative who opens the Childs account is automatically linked to the account. This parent or guardian can view and manage the Childs account via the ING App and My ING. A second parent can also get access. The parent who opened the account can add the second parent.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Child"},"textLinks":[{"url":"/en/personal/children","text":"Accounts for your child"},{"url":"/en/personal/children/products/youth-account","text":"Youth current account (12 to 17)"},{"url":"/en/personal/children/products/childrens-savings-account","text":"Child savings account"}]}]}}}