At first, ING blocks your ING accounts
At first, we will block the money in your ING accounts. Only if you are a private customer or if you have a business account for a sole proprietorship, a part of the money will be left 'seizure'-free. This part of the money can be used for payments. The amount, the so called seizure free amount is determined by the bailiff or the authority that send in the payment claim. Immediately after your funds are blocked you will receive a message about the seizure in My ING and/or the ING app. If you do not use these products or if you are a business customer, you will receive a letter by mail.
After 2 weeks: Notify the bailiff or the seizing party
After 2 weeks, we will send a extrajudicial declaration to the bailiff or the seizing party upon receipt of the seizure request or payment claim. This is a letter in which we inform the bailiff, the local or Tax authority in case of a claim for payment what amount is subject to the seizure.
Paying out or cancelling the seizure
On the basis of the extrajudicial declaration, the bailiff or one of the authorities sends ING a request to pay out an amount or asks ING to cancel the seizure.
Remove blockade
In case the amount has been transferred to the bailiff or the authority(Tax or local) and ING has also debited the costs for processing the seizure, the blocks will be removed. Unless there is still another active seizure.
Please contact the bailiff or in case of a claim for payment the seizing authority. They can answer your questions. The bank only executes the seizure request. You will find the details of the bailiff or the seizing authority in the message that we have send you.
"}},{"componentType":"sectionTitle","title":"What action can you take when your funds are under seizure?"},{"componentType":"paragraph","richBody":{"value":"Yes, you can continue to use your account(s). Your account(s) is/are not blocked, only a certain amount. The seizure free amount, when applicable, is not blocked. New credit transfers to your current account after the seizure do not fall under the seizure, you can just use it. If you are using ING Rood Staan, you can continue to use this, the seizure doesn't change it.
"}},{"title":"Why must I pay €80,- fee for processing the seizure?","richBody":{"value":"ING is legally obliged to cooperate with the seizure. ING incurs costs in doing so. For each seizure, we therefore charge €80,- in costs. These are costs that we are allowed to charge according to the Code of Civil Procedure, article 476a (3).
This costs covers things like:
receiving the seizure;
informing you as a customer about the seizure;
making up the extrajudicial declaration and sending it to the bailiff;
paying the amounts to the bailiff; and
answering questions.
We always charge the costs for an seizure. You can read more about these costs in article 28(1) of the General Banking Terms and Conditions at ing.nl.
"}},{"title":"What does ING do if a business account has been seized?","richBody":{"value":"In this case, the entire balance present at the time of the seizure will be blocked. From then on, you won’t have access to that blocked amount. New credit transfers that come in after the seizure are not covered by the seizure and are at your disposal.
"}},{"title":"What’s an seizure (beslaglegging)?","richBody":{"value":"Suppose you owe a company or institution money or have a conflict with someone, a company or an institution about a payment. They – either themselves or through a bailiff – can have the money in your bank account seized to force you to pay the amount due (the debt) and any related costs.
The seizure applies to all the money in all your accounts at ING at the time of the seizure, the amount of the claim doesn’t matter.
"}},{"title":"What’s a payment claim (betalingsvordering)?","richBody":{"value":"
A payment claim is a simplified type of seizure, that allows the Tax Office, a municipality or water authority to seize your current and savings account(s) for an unpaid tax.
"}},{"title":"What amounts are protected?","richBody":{"value":"If you have a private account or as a sole proprietor a business account a part of your money is protected and cannot be blocked. You can use your protected amount for payments. The exact amount will be based on your family situation. The bailiff or Tax/local authority passes on what amount needs to be remain free.
At 1 July 2025, the maximum protected amount is:
a. €2,093.67 for a single person;
b. €2,264.67 for a single parent;
c. €2,771.07 for married couples without children; and
d. €2,888.00 for married couples with one or more children.
"}},{"title":"What’s an extrajudicial declaration? (verklaring)?","richBody":{"value":"Via an extrajudicial declaration we inform the bailiff about what amount is subject to the seizure. You will receive a copy of this letter from the bailiff. The extrajudicial declaration will be sent 2 weeks after the seizure. We’re also able to send the statement earlier or later than that. Read more about this under "Do you want us to send the extrajudicial declaration earlier?" or "Do you want us to send the extrajudicial declaration later?"
What’s the use of sending the extrajudicial declaration earlier?
If the amount that is blocked for the seizure is higher than the claim, you may want to regain access to that money as soon as possible. Sending the extrajudicial declaration earlier will help you to speed up the recovery.
If you want us to send the extrajudicial declaration earlier, please contact the Seizure(Beslaglegging) department on 058- 234 00 31.
Please note: If we send the extrajudicial declaration to the bailiff earlier, you can no longer object to the seizure. You agree that you have to pay the debt.
"}},{"title":"Want us to send the extrajudicial declaration later?","richBody":{"value":"We’re also able to send the extrajudicial declaration after four weeks instead of after two weeks. If you want us to do that, you’ll need to let us know in writing within two weeks after your account has been seized. Send your request to beslaglegging@ing.nl, stating ‘Send extra judicial declaration later’ as the subject, and include your file number in your email. You’ll find that number in the message that we sent you right after the seizure.
What's in it for you as a customer?
If you want to object to the seizure and want to ask the court to reverse the seizure, this will give you more time before we tell the bailiff what amount falls under the seizure.
Only the bailiff or the attaching party, incase of a payment claim, can authorise us to remove the blockade(s) your account(s). They’ll do that if:
Immediately after removing the blockages, we’ll notify you so you know the seizure is finished.
"}},{"title":"What’s a request for information?","richBody":{"value":"Before sending in a seizure, a bailiff may ask us if you’re an ING customer. This is regulated by law in article 475aa RV of the Code of Civil Procedure. We, as a bank, are also legally obliged to answer this question. We’ll answer that question with ‘Yes’ or ‘No’.
"}},{"title":"Any other questions?","richBody":{"value":"Please contact our Seizure (Beslaglegging) department for more information. We’re available from 8:30 am to 5 pm on Monday to Friday. The telephone number is 058 234 00 31.
"}}]},{"componentType":"sectionTitle","title":"Prevention of a seizure"},{"componentType":"paragraph","richBody":{"value":"You may be interested in some tips and links to useful websites that help you stay financially fit: