At ING, you can authorise someone to access your current account and use it to do everyday banking on your behalf. This is called a third-party authorisation. The person with the third-party authorisation is called an authorised user, and they can be a family member or another trusted person. On your behalf, an authorised user can make payments and manage savings and investments linked to your current account. A third-party authorisation is different from a joint account – learn about the differences here.
What an authorised user can do
As the account holder, responsibility for your current account will continue to lie with you. If the authorised user is an ING customer, they get online access to your current account through the ING mobile banking app or My ING. They are able to:
In the event of death of a (co-)account holder, the third-party authorisation will automatically be cancelled.
An authorised user who is not an ING customer cannot get online access to your current account. You can still request an extra debit card for them, and they can use transfer forms. If the authorised user would like to bank online, they must first open an account with ING. They can do so online.
What an authorised user cannot do
An authorised user cannot make changes to your banking products, like:
Third-party authorisation or legal representation
An authorised user is a trusted person who is granted access to a current account by its account holder. The user can use the account to do things like making payments in your name. Some cases, however, require a higher level of authority. Such as with notarial power of attorney or a living will. Another option is administration or guardianship by court appointment. Learn about the differences here. If you'd like more advice, we recommend contacting a notary.
Use the mobile banking app to set it up:
Joint third-party authorisations
If you'd like to give someone access to your joint account, the other account holder must also give their approval. To do this, they must log in to their My ING account online. They must then search for ‘Requests from ING' and open the corresponding page. There, they can approve the third-party authorisation request. They cannot use the ING app to approve a joint third-party authorisation request.
"}},{"componentType":"sectionTitle","title":"How to stop authorisation"},{"componentType":"paragraph","title":"How to stop your authorisation","richBody":{"value":"You can stop an authorisation online in My ING or in the ING mobile banking app. You'll see all third-party authorisations in your overview, which is also where you can revoke them. Within five business days, the authorised user will be locked out of your account and will no longer be able to access it.
If you're having trouble, we can do this for you in branch or at an ING service point. Please note you'll need to make an appointment if you'd like to visit a branch. Use our location finder to find a branch near you and schedule an appointment. Service points don't require you to make an appointment – just stop by at your convenience!
"}},{"componentType":"accordion","accordionList":[{"title":"How to stop an authorisation in the ING app:","richBody":{"value":"If you can't access My ING and aren't able to visit a branch or service point, you can also stop an authorisation using the 'Revoke mandate’ form. If you're an authorised user, you can also use this form to stop your authorisation. Please remember to let the account holder know you won't be acting as their authorised user anymore.
"},"textLinks":[{"url":"https://assets.ing.com/m/51aa61290d2838cb/original/ING_machtiging-betaalrekening-gemachtigde-afmelden.pdf","text":"Third-party authorisation cancellation form (PDF, in Dutch)"}]}]},{"componentType":"sectionTitle","title":"Need help?"},{"componentType":"paragraph","title":"In case you're having trouble or don't have online access.","richBody":{"value":"If the authorised user doesn't have an ING current account themselves, they won't be able to access your account online. Only ING customers are able to access their account in the app or My ING. You can open an ING account online.
If you're having trouble or any other questions, you're always welcome at a branch or service point. Please bring the person you'd like to give access to your account. If you'd like to authorise someone to manage your joint account, the other account holder will need to come as well. Make sure to bring a valid ID and your ING debit card if you have one. You'll need to make an appointment if you'd like to visit a branch. Use our location finder to find a branch near you and schedule an appointment. Service points don't require you to make an appointment – just stop by at your convenience!
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"paragraph","title":"Registering and cancelling","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"What are the terms of third-party authorisation?","richBody":{"value":"Any account holder over 18 can apply for third-party authorisation. The third-party authorisation can only be approved if they are financially autonomous (legal competence and decision-making capacity) and are able to identify themselves in the branch or at a service point. What's also good to know:
Yes. This means that an authorised user can only access the current account (and any linked savings or investment accounts) for which they have been authorised. If you’d like to give someone access to multiple current accounts, you'll need to authorise them for each individual current account.
"}},{"title":"What if the account holder doesn't want to stop my authorisation?","richBody":{"value":"Please use the ‘Revoke mandate’ form. Indicate on the form that the account holder is refusing to stop your authorisation.
"}}]},{"componentType":"paragraph","title":"Debit cards","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"How can I apply for an authorised debit card?","richBody":{"value":"Account holders can apply for an authorised debit card at an ING branch or service point. An authorised debit card will come at additional cost.
"}},{"title":"What does an authorised debit card cost?","richBody":{"value":"An authorised debit card will come at additional cost. View a cost overview here.
"}},{"title":"Where will you send the authorised debit card?","richBody":{"value":"We always send it to the account holder's address.
"}},{"title":"How can I stop an authorised debit card?","richBody":{"value":"Account holders and authorised users can stop their authorised debit card in My ING or the mobile banking app. If you're having trouble, we can also do this for you at a branch or service point.
"}}]},{"componentType":"paragraph","title":"Powers","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"Can authorised users increase their level of authority?","richBody":{"value":"An authorised user has limited use of their authorised account. Only the account holder can decide to increase the user's level of authority. To do so, they'll need notarial power of attorney. Learn more about legal representation.
"}},{"title":"Can an authorised user change the account holder's address?","richBody":{"value":"No, they can't. Only the account holder can change their address.
"}},{"title":"Can an authorised user request (copies of) account statements or annual statements?","richBody":{"value":"No, they can't. Because doing so comes at an additional cost, only account holders can request statements. Users are able to download statements in My ING at no additional cost.
"}},{"title":"What responsibilities and privileges does an account holder have?","richBody":{"value":"The account holder is responsible for the actions of their authorised user. The account holder can stop the authorisation.
"}}]},{"componentType":"paragraph","title":"Authorisation and legal representation","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"What's the difference between authorisation and notarial power of attorney?","richBody":{"value":"Notarial power of attorney (based on a living will, for instance) is drawn up by the notary to let the authorised user make financial decisions on the account holder's behalf. The deed may include specific clauses and exemptions if the account holder so wishes. Like power of attorney only going into effect if the account holder develops dementia, for instance. It's wise to take notarial power of attorney into consideration early on, because should the account holder ever become decisionally incompetent, a regular authorisation won't let the user do all banking on the account holder's behalf. They also can't change addresses, make changes to financial products or open and close accounts on behalf of the account holder.
"}},{"title":"What happens when someone is placed under administration or guardianship?","richBody":{"value":"The court can place someone under administration as a form of protection, which is why it’s also called protective administration. When someone is placed under administration, someone else (an administrator) manages their finances. A professional administrator may be appointed by the court, but you can also ask for a non-professional administrator to be appointed, like a family member.
Guardianship is another protective measure that the court can impose. When a person is under guardianship, someone else (a guardian) manages both their finances and their personal affairs. A professional guardian is appointed by the court, but they can also appoint a family member as a non-professional guardian.
"}},{"title":"What do I do if the account holder is incapable of authorising someone to access their account?","richBody":{"value":"If there's no power of attorney, you can apply to have the account holder placed under administration or guardianship by the subdistrict court. After the court's ruling, a family member will get the right to manage the account holder's financial assets. Families can also request to have a professional administrator's office appointed to manage the account holder's finances.
"}},{"title":"What's the biggest difference between an authorised user and a co-account holder?","richBody":{"value":"If you have an authorised user, you'll still be regarded as the sole account holder, and will stay in charge of your account. You'll also remain liable for it. If you add an account holder, we'll convert your payment package to a joint current account. This means both account holders will have access to the assets and will be liable for the banking.
"}}]},{"componentType":"paragraph","title":"My ING","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"Why won't my current account appear in my authorised user's ING overview?","richBody":{"value":"It usually takes one to five business days for your current account to appear in your authorised user's online overview.
"}},{"title":"Can I authorise someone to access my current account without it appearing in their online overview?","richBody":{"value":"No, unfortunately not. As soon as the authorisation is processed and the user banks with ING, your current account will always appear in their online overview.
"}},{"title":"How come I don't get any inbox messages about the current account I'm authorised to access?","richBody":{"value":"Only account holders receive inbox messages about their current account. If the message is also meant for the authorised user, you'll also receive it in your inbox. Any other messages, including annual statements, will only be received by the account holder.
"}},{"title":"I'm an authorised user – how do I manage an account in My ING?","richBody":{"value":"You'll need your own ING current account, plus internet banking through My ING. If you already bank with ING and use My ING internet banking, your authorisation will automatically appear in your online overview. This will usually take one to five business days.
If you're an authorised user without an ING current account, you'll need to open one before you can manage the account holder's account online. Once you're all set up for internet banking, our customer service can add the authorised account to your online overview. Please reach out to them.
"}}]},{"componentType":"paragraph","title":"Abuse of authority","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"What do I do if my authorised user abuses their power?","richBody":{"value":"If you suspect any abuse or fraud, please call customer service or our hotline straight away. You should also call us if your user occasionally sends payments that look even a little suspicious.
"}},{"title":"Where can I find more information about Keeping Your Finances Safe as You Age (Veilig Financieel Ouder Worden)?","richBody":{"value":"Along with other Dutch banks, ING is a partner of the NVB (Dutch Banking Association). They aim to combat financial elder abuse in particular. Joint efforts by affiliated banks have resulted in the Keeping Your Finances Safe as You Age programme. Find more information here.
"}}]},{"componentType":"paragraph","title":"Other questions","richBody":{"value":""}},{"componentType":"accordion","accordionList":[{"title":"What happens to third-party authorisation in the event of an account holder's death?","richBody":{"value":"Third-party authorisations are automatically cancelled upon the (co-)account holder's death. This applies to third-party authorisations for current accounts and joint accounts. For joint accounts, a new third-party authorisation must be requested after the deceased person's financial matters has been taken care of.
"}},{"title":"What happens to third-party authorisation if an account holder is added or removed?","richBody":{"value":"Third-party authorisations are automatically cancelled when an account holder is added or removed. This only applies to current accounts with an authorisation. A new third-party authorisation must be requested after an account holder has been added or removed.
"}},{"title":"Can I cancel my account while an authorised user has access to it?","richBody":{"value":"No, unfortunately not. You'll need to stop the authorisation before you can cancel your account.
"}}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/particulier/klantenservice/en-of-rekening-of-machtigen","text":"Joint third-party authorisations"}]},{"componentType":"linkList","iconTitle":{"title":"Help & contact"},"textLinks":[{"url":"/particulier/digitaal-bankieren/app/downloaden-en-activeren","text":"How to download and activate the app"},{"url":"/en/personal/digital-banking/app/app-doesnt-work","text":"If you can’t access the app"},{"url":"/de-ing/toegankelijkheid","text":"If you need help with your banking"}]}]}}}