{"type":"document","data":{"id":"597baeb8-dd0b-48a3-8440-04393b601ec9","localeString":"en-GB","publishDate":"2026-03-23T14:01:44.864+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Remove an account holder and change a joint account into an account in one name."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/remove-account-holder","text":"Remove account holder"}},"coreHeader":{"body":"Do you want to change a joint account to a single account in one name? Then you can remove an account holder. You can easily arrange this yourself in the ING App or via My ING.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/91d58c0b-afb0-4ea2-9e4e-07484f29f503/PEOPLE-STANDING-AT-HOME","type":"image","width":1920,"original":"https://assets.ing.com/m/6fb24fa50ff65eb6/original/PEOPLE-STANDING-AT-HOME.jpg","extension":"jpg"},"title":"Remove account holder"},"backLink":{"textLink":{"url":"/en/personal/customer-service/change-personal-details","text":"Change your details"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>In the ING App or via My ING, you can change a joint account to an account in one name yourself.</p><p>Please note that:</p><ul><li>there must be a positive balance (&gt; €0.00) on the account.</li><li>both account holders or the legal representative(s) must give their consent.</li><li>the request is processed immediately once the second account holder has approved.</li><li>any authorised person of the account will be removed. After the change, you can add an authorised person again. More information can be found on the <a href=\"https://www.ing.nl/en/personal/customer-service/change-personal-details/manage-banking-authorisation\">Authorisation</a> page.</li><li>you should download the statements in My ING before you are removed from the account. After you have been removed from the account, you will no longer have access to the statements of the account.</li></ul><p> </p>"}},{"componentType":"highlight","title":"Note on Linked Products","richBody":{"value":"<ul><li>Do you use ING <strong>overdraft</strong>? This credit facility will be cancelled. You can <a href=\"https://www.ing.nl/en/personal/loans/our-loans/overdraft\">reapply</a> for it after the second account holder has been removed. The application for ING overdraft will then be reassessed.</li><li>Does the account holder to be removed have a <strong>credit card</strong>? The credit card must first be <a href=\"http://www.ing.nl/en/personal/payments/creditcards/cancel-credit-card\">cancelled</a> before you can remove this account holder.</li><li>Do you have a <strong>bank savings</strong> <strong>mortgage </strong>or <strong>investment mortgage</strong> linked to the account? Then first <a href=\"https://www.ing.nl/en/personal/mortgage/contact\">contact</a> a mortgage advisor.</li><li>Does the account holder to be removed have a personal loan linked to the account you want to change? Then please <a href=\"https://www.ing.nl/en/personal/customer-service/phone-numbers\">contact</a> us for the best solution. </li></ul><p> </p>"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"How do I change a joint account to a single account in one name after a death?","richBody":{"value":"<p>You can report a death in the ING App or My ING or by phone. For all information, visit our &apos;<a href=\"https://www.ing.nl/en/personal/customer-service/after-death\">After death</a>&apos; page.</p>"}},{"title":"I don't have the ING App or My ING","richBody":{"value":"<p>Don&apos;t have the ING App or My ING and want to remove an account holder? You can arrange this at an ING branch or ING service point.</p><ul><li>It is important that you bring a valid ID and your debit card (if you have one).</li><li>One of the account holders (or the authorised representative) can start the request at an ING office or service point.</li><li>The second account holder (or the authorised representative) can then give their consent at a later time at the office, or independently via the ING App or My ING.</li><li>Of course, you can also go to the ING office or service point together.</li><li>Note: At our ING branches, you always need to make an <a href=\"https://www.ing.nl/en/bank/make-appointment\">appointment</a>. At an ING service point, you can go without an appointment. </li></ul><p> </p>"}},{"title":"How do I close my account?","richBody":{"value":"<p>For a joint account, one account holder can close the account. It is not necessary for both account holders to sign for the closure. For more information, visit the page about <a href=\"https://www.ing.nl/en/personal/payments/closing-an-account\">closing accounts</a>. </p>"}}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"title":"Useful links"},"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"}]}]}}}