{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"We offer financial services, bank accounts, mortgages and insurances for expats in the Netherlands. Discover the advantages and safety of banking with ING.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"android":{"text":"Download the ING App (Android)","url":"https://play.google.com/store/apps/details?id=com.ing.mobile"},"componentType":"deviceSpecificCta","ios":{"text":"Download the ING App (iOS)","url":"https://apps.apple.com/nl/app/ing-bankieren/id474495017?mt=8"}},{"componentType":"sectionTitle","title":"Enjoy easy and complete banking for a smooth start"},{"alignedImage":{"position":"left","extension":"jpg","original":"https://assets.ing.com/m/5ecb5382208b3f79/original/Large_Web-and-Screen-Smiling-business-man-using-his-mobile-phone-and-relaxing-in-his-chair-at-the-office.jpg","transformBaseUrl":"https://assets.ing.com/transform/7a2701fc-94f0-4107-a7a4-9c8d5d06c556/Large_Web-and-Screen-Smiling-business-man-using-his-mobile-phone-and-relaxing-in-his-chair-at-the-office"},"componentType":"paragraph","richBody":{"value":"<p><strong>Why open a Dutch bank account at ING?</strong><br />As an expat, having a local bank account is essential to start your life in the Netherlands smoothly. With ING you can:</p><ul class=\"check-mark\"><li><p>Pay for essentials like rent, utilities (gas, water, electricity) and mobile phone</p></li><li>Access healthcare services, without payment hassle</li><li><p>Receive your salary directly from your (new) employer</p></li></ul><p>Open your bank account and use it right away - even before you arrive in the Netherlands. If you started, your application for a current account, without BSN (Dutch Tax Identification Number), provide us your Social Security Number. You have 90 days to provide us your BSN. Not providing BSN to ING within 90 days results in a blocked current account after which you have 30 days to provide BSN to ING. Didn&apos;t meet the additional 30-day deadline? Then we need to close your account.</p><p>Start online or through our ING Mobile App - no paperwork or appointments needed.</p>"},"title":"From €4.00 per month"},{"accordionList":[{"richBody":{"value":"<p>When opening a current account, you&apos;ll need to select an ING Plan. You can always change your plan after opening. </p><p> </p><table><thead><tr><th /><th>ING Go</th><th>ING More</th><th>ING Extra</th><th>ING Max</th></tr><tr><td> </td><td>Everything you need for daily banking.</td><td>For extra ease and peace of mind.</td><td>Everything sorted with added perks.</td><td>Maximum ease and value.</td></tr></thead><tbody><tr><td><strong>Fixed costs</strong></td><td> </td><td><strong> </strong></td><td> </td><td> </td></tr><tr><td>Costs per month for a current account</td><td>€4.00</td><td>€7.00</td><td>€15.99</td><td>€44.99</td></tr><tr><td><strong>What is included?</strong></td><td> </td><td> </td><td> </td><td> </td></tr><tr><td>Debit card, Mobile payments, ING App, ING Points, Orange Savings Accounts</td><td>Yes</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Including costs second account holder</p></td><td>€ 1.20 per month</td><td>Included</td><td>Included</td><td>Included</td></tr><tr><td>Replace debit card once a year for free (normally €4.50)</td><td>No</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Free euro withdrawals</p></td><td>Yes</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Free euro banknote deposits per year (normally €6.00 per deposit)</p></td><td>2 times</td><td>4 times</td><td>4 times</td><td>4 times</td></tr><tr><td><p>Emergency cash abroad (maximum amount)</p></td><td>Up to €2,000</td><td>Up to €5,000</td><td>Up to €5,000</td><td>Up to €5,000</td></tr><tr><td><p>ING Points</p></td><td>Standard</td><td>10% more</td><td>20% more</td><td>30% more</td></tr><tr><td><p>Discount on the service fee of Easy Invest and/or Self Invest up to an invested amount of €25,000</p></td><td>No</td><td>10%</td><td>15%</td><td>20% (also for investments in the name of minor children for whom you are authorised)</td></tr><tr><td><p>Discount on the service fee of Portfolio Management up to an invested amount of €25,000</p></td><td>No</td><td>No</td><td>No</td><td><p>20% (also for investments in the name of minor children for whom you are authorised)</p></td></tr><tr><td><p>Your personal financial plan with an advisor</p></td><td>No</td><td>No</td><td>No</td><td>Yes</td></tr><tr><td><p>1.00% extra savings interest on the Orange Savings Account up to €10,000</p></td><td>Regular</td><td>Regular</td><td>+ € 0,50%</td><td>+ € 1,00%</td></tr><tr><td>Creditcard</td><td><p>Not included. Optional: ING Credit Card More € 2.00 p.m. or ING Credit Card Extra € 4.35 p.m.</p></td><td><p>ING Credit Card More included. Optional: ING Credit Card Extra € 2.18 p.m. (50% disccount)</p></td><td><p>ING Credit Card Extra included</p></td><td><p>ING Credit Card Max (metal): € 10 p.m. Cost of replacement: € 50</p></td></tr><tr><td><p>2nd creditcard (partner card)</p></td><td><p>ING Credit Card More: € 1.25 p.m. ING Credit Card Extra: € 2.60 p.m.</p></td><td><p>ING Credit Card More: € 1.25 p.m. ING Credit Card Extra: € 2.60 p.m.</p></td><td><p>ING Creditcard Extra: € 2.60 p.m.</p></td><td><p>ING Credit Card Max (metal): € 10 p.m. Cost of replacement: € 50</p></td></tr><tr><td><p>Emergency home assistence</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Purchase protection when paying with debit card or iDEAL/Wero: up to 45 days and up to €500 per event</p></td><td>No</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Cyber protection: 24/7 cyber support &amp; identity theft</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>ATM theft protection: Compensation if withdrawn cash is stolen</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Travel protection</p></td><td>No</td><td>No</td><td><p>Includes cover for emergency medical assistance, trip delay and cancellation, baggage delay and loss, car hire excess</p></td><td><p>Includes cover for emergency medical assistance, trip delay and cancellation, baggage delay and loss, car hire excess and winter sports</p></td></tr><tr><td>Streaming services</td><td>No</td><td>No</td><td><p>Amazon Prime: Streaming and free delivery</p></td><td><p>Disney+ Standaard: Streaming</p></td></tr><tr><td><p>Customer service</p></td><td>Standard</td><td>Standard</td><td><p>Plus: Call us from the app and get priority with our phone support</p></td><td><p>Plus: Call us from the app and get priority with our phone support</p></td></tr></tbody></table>"},"title":"Learn more about the current accounts"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Open your bank account and use it right away"},{"componentType":"cta","textLink":{"text":"More about the ING current account","url":"/en/personal/payments/bank-accounts/open-an-account"}},{"alignedImage":{"position":"right","extension":"jpg","original":"https://assets.ing.com/m/16c405b261c98c24/original/ING-Do-More-ATL.jpg","transformBaseUrl":"https://assets.ing.com/transform/a924169b-ffd6-4505-9711-0337488b4c79/ING-Do-More-ATL"},"componentType":"paragraph","richBody":{"value":"<p>So your life in the Netherlands can get started.</p><ul class=\"check-mark\"><li><p>Use your account right away after opening with Apple Pay, Google Pay and Garmin Pay</p></li><li><p>Access and manage your account whenever you want with the ING Mobile Banking app</p></li><li><p>Open your account easily with the ING-app or personally at our ING Branches (with an appointment)</p></li></ul>"}},{"componentType":"cta","textLink":{"text":"Discover the ING app","url":"/en/personal/expats/explore-the-ing-mobile-banking-app"}},{"componentType":"sectionTitle","title":"What do I need to open my account?"},{"alignedImage":{"position":"left","extension":"svg","original":"https://assets.ing.com/m/5b12b8df1179e98a/original/passportidhands.svg","transformBaseUrl":"https://assets.ing.com/transform/1723bbb6-0fbd-4a8b-8d34-8d2b6c857a8d/passportidhands"},"componentType":"paragraph","richBody":{"value":"<p><strong>If you have a European passport, you can open your account straight away if you:</strong></p><ul class=\"check-mark\"><li>Are over the age of 18</li><li>Have at least an iPhone 7 (Apple iOS) or a smartphone with android</li><li>Have a valid passport, a Dutch residence permit (temporary or permanent) or W-document at hand</li></ul>"},"title":"Get more informed about it"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/57c4388da3534887/original/phonescandocuments.svg","transformBaseUrl":"https://assets.ing.com/transform/7bfce66e-551c-421c-9a99-eabf9eb013f9/phonescandocuments"},"componentType":"paragraph","richBody":{"value":"<p><strong>If you have a non-European passport, you can open your account straight away if you:</strong></p><ul class=\"check-mark\"><li>Are over the age of 18</li><li>Have at least an iPhone 7 (Apple iOS) or a smartphone with android</li><li>Have a valid passport and MVV Visa (if required) at hand. <a href=\"https://www.ing.nl/en/personal/payments/bank-accounts/mobile-open-an-account-identification\">See the accepted forms of identification and learn more about when MVV is required </a></li></ul>"}},{"accordionList":[{"richBody":{"value":"<ul><li><p>If you have a residence permit card already then you should use your residence permit card for a smoother experience.​</p></li><li><p>If you want to open a bank account with a passport outside the European Economic Area (EEA), you might require a valid MVV document* and MVV document check can take a couple of days. Check if your country requires an MVV <a href=\"https://www.ing.nl/en/personal/payments/bank-accounts/mobile-open-an-account-identification\">here</a>.​</p></li><li><p>If you are onboarding with a Non-EEA passport, you accept that you need to provide your BSN and Dutch address within 90 days.​<br />If you started without BSN (Dutch Tax Identification Number), provide us your Social Security Number. You have 90 days to provide us your BSN. Not providing BSN to ING within 90 days results in a blocked current account after which you have 30 days to provide BSN to ING. Didn&apos;t meet the additional 30-day deadline? Then we need to close your account.</p></li><li><p>You will receive a BSN Number when you register at the municipality. Everyone who moves to the Netherlands and plans to stay longer than four months is required to register themselves at the municipality within the first 5 days after arrival. </p></li><li><p>While opening an account, you should provide your current address as your residential/home address if you haven’t resided in the Netherlands officially yet.​</p></li></ul><p>*What is an MVV? The MVV is an entry visa intended for persons who want to stay in the Netherlands for more than 90 days. The MVV is a visa sticker (Type D) that is placed in your passport by the Dutch embassy or the Dutch consulate in the country you reside. With an MVV you can travel to the Netherlands and pick up your residence permit.​</p><p>Your money in this account is protected by the Dutch Deposit Guarantee Scheme up to €100,000. This protection applies per bank and per person. For more information, please visit ing.nl/dgs</p><p>You have the right to close the current account when you want</p>"},"title":"Good to know for opening your account fast"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Use the app to open your account in 4 steps"},{"accordionList":[{"alignedImage":{"position":"left"},"richBody":{"value":"<p><strong>1. Download the ING app​</strong></p><p>In the App store of Play store​</p><p>​<strong>2. Choose your type of account and enter your details​</strong></p><p>In the ING app, select a current account, answer some questions and confirm your identity with your ID.​</p><p>​<strong>3. Choose your plan</strong></p><p>You can choose between ING Go, ING More, ING Extra and ING Max.</p><p>​<strong>4. Done!​</strong></p><ul><li><p>Started without BSN? Then you have 90 days to provide us your BSN​<br /> Then you have another 30 days to still do so (with a temporary block on the account).</p></li><li><p>Start using your account straight away​</p></li><li><p>Immediate access to the ING app and mobile payments​</p></li><li><p>You’ll receive your debit card within five business days​</p></li></ul><p></p>"},"title":"Check out the steps"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"<p>ID at hand? Download the ING Mobile Banking App and get started right away. You will have a working account within a few minutes and you can pay directly via mobile</p>"},"title":"Get started right away"},{"android":{"text":"Download the ING App (Android)","url":"https://play.google.com/store/apps/details?id=com.ing.mobile"},"componentType":"deviceSpecificCta","ios":{"text":"Download the ING App (iOS)","url":"https://apps.apple.com/nl/app/ing-bankieren/id474495017?mt=8"}},{"componentType":"sectionTitle","title":"All your banking needs in on convenient place"},{"cards":[{"body":"Open your account personally? Getting a professional view on your financial expat goals and needs? Schedule an appointment at the Expat Hubs or online.","cardSize":"medium","cardType":"product","checkMarkList":["Free and without obligation","At an ING branch or online","Certified Financial Coaches"],"componentType":"productCard","image":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/19e8567fc5cb6eb9/original/advice.svg","transformBaseUrl":"https://assets.ing.com/transform/cfa6eccc-84e2-459f-9f61-d17bb5fa60a8/advice","type":"image","width":750},"link":{"url":"/en/personal/expats/schedule-an-expat-insight-conversation"},"promoText":"Schedule an appointment","title":"Expat Financial Coaching"},{"body":"We help you find the right mortgage to finance your dream home.","cardSize":"medium","cardType":"product","checkMarkList":["Attractive mortgage rates","Our dedicated expat advisors speak English","Housing services that make your life easier"],"componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/b186fd6ff7317d2/original/icon-mortgage.png","transformBaseUrl":"https://assets.ing.com/transform/f910eaad-49b6-49ec-9535-d9d2f0336904/icon-mortgage","type":"image","width":288},"link":{"url":"/en/personal/mortgage"},"title":"Mortgage"},{"body":"Let our experts handle your investments.\r\n\r\nBook an appointment with no strings attached. Please note investing comes with risks and costs. You may lose all or part of your investment.","cardSize":"medium","cardType":"product","checkMarkList":["Starting from €50,000","5 different investment strategies","Personal investment plan"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/1a57bd3411cf9ee0/original/Elderly-couple-snorkeling-on-vacation.jpg","transformBaseUrl":"https://assets.ing.com/transform/aa297841-c8b5-476b-a227-f4bb0003a4db/Elderly-couple-snorkeling-on-vacation","type":"image","width":3720},"link":{"url":"/en/personal/investing/portfolio-management"},"promoText":"Book an appointment","title":"Invest with ING: Portfolio management"},{"body":"Pay worldwide with the ING credit card and be financially independent.","cardSize":"medium","cardType":"product","checkMarkList":["Costs: € 22.80 per year","Limit: € 1.000 till € 5.000","Advantageous rates worldwide"],"componentType":"productCard","image":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/7f11330ee38d7cdb/original/tip-creditcard-1.svg","transformBaseUrl":"https://assets.ing.com/transform/a6434ccd-a76c-4ea5-be8a-9251a1f40a5d/tip-creditcard-1","type":"image","width":207},"link":{"url":"/en/personal/payments/creditcards/credit-card"},"title":"Credit card"},{"body":"We value your safety. Our insurances protect you, your family and your belongings.","cardSize":"medium","cardType":"product","checkMarkList":["Health insurance","Liability and Home insurance","Travel-, Legal Aid-, Car insurance and more"],"componentType":"productCard","image":{"altTextNL":"Verzekeringen","extension":"svg","original":"https://assets.ing.com/m/3d22dfd25347c1a4/original/Insurance.svg","transformBaseUrl":"https://assets.ing.com/transform/c171a6a6-efce-40b8-9642-d0ea51307138/Insurance","type":"image","width":160},"link":{"url":"/en/personal/insurances"},"title":"Insurances"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Personally at an ING Branch"},{"componentType":"paragraph","richBody":{"value":"<p>Not ticking all the boxes to open your account via the app? We got you. </p>"}},{"componentType":"cta","textLink":{"text":"Make an appointment with a Financial Coach","url":"/en/personal/expats/schedule-an-expat-insight-conversation"}},{"cards":[{"body":"Need some help getting your onboarding fixed at the ING? I'm here to help you out with all your questions. Discover the advantages and safety of banking with ING.","cardSize":"medium","cardType":"contact","componentType":"contactCard","email":"idiris.kurt@ing.com","image":{"altTextNL":"Idiris Kurt","extension":"jpg","original":"https://assets.ing.com/m/6882503620434c25/original/Idiris-Expats.jpg","transformBaseUrl":"https://assets.ing.com/transform/0b030947-5e34-4715-879c-ced0596d77c2/Idiris-Expats","type":"image","width":768},"intro":"Your to go person as an expat","textLinks":[{"text":"Send Idiris a mail"}],"title":"Meet Idiris Kurt, from ING Expat Relations"}],"componentType":"cards"},{"componentType":"linkList","iconTitle":{"icon":{"altTextEN":"crosshair, target","altTextNL":"visier, doelwit","extension":"png","original":"https://assets.ing.com/m/1c0e09ce072e6344/original/target-icon.png","transformBaseUrl":"https://assets.ing.com/transform/93d7e264-5da8-4e6a-8edd-a112ff3c76c4/target-icon","type":"image","width":267},"title":"More information"},"textLinks":[{"text":"Contact us"},{"text":"Make an appointment","url":"/en/bank/make-appointment"},{"text":"Open a Dutch bank account","url":"/en/personal/payments/bank-accounts/open-an-account"},{"text":"Next steps after opening a Current Account","url":"/en/personal/expats/new-account/next-steps"},{"text":"Get mortgage advice","url":"/en/personal/mortgage/mortgage-advice"},{"text":"Step-by-step guide: Buying a home","url":"/en/personal/expats/mortgages/mortgage-step-by-step"},{"text":"Summary of costs and charges for ING payment products for personal customers","url":"/en/personal/payments/terms-and-conditions/changes-september-2024"},{"text":"Terms and Conditions and other regulations for private account holders","url":"https://assets.ing.com/m/331a88aeefbfef45/original/Terms-and-conditions-version-september-2024-temporarily.pdf"}]},{"alignedImage":{"position":"left","altTextEN":"Logo: ING do your thing","altTextNL":"Logo: ING do your thing","extension":"png","original":"https://assets.ing.com/m/6e052b207e22ddf2/original/ING_Identifier_FC_Tagline_Orange.png","transformBaseUrl":"https://assets.ing.com/transform/5bb92909-46b6-4e0b-a401-56a6d7c077e3/ING_Identifier_FC_Tagline_Orange"},"componentType":"paragraph","richBody":{"value":"<p>ING is a bank with global reputation in more than 40 countries. As the largest bank of the Netherlands, we offer the safety, reliability and support you need to make a confident financial start.​ Special tailored for expats. </p>"}}]},"hasMacro":false,"id":"c677363b-d65e-41fe-97c2-24684ddd65aa","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Expats","url":"/en/personal/expats"}},"componentType":"productHeader","coreHeader":{"body":"You can open an ING current account in a couple of minutes by using the app. It's easy - whenever and wherever you want. Start without BSN number, provide us with your BSN in 90 days.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/2a2365f70226b5b5/original/Four-happy-colleagues-sit-around-a-table-with-their-computers-and-phones-in-the-office.jpg","transformBaseUrl":"https://assets.ing.com/transform/214589ac-ca40-4758-849d-35ff75dba29d/Four-happy-colleagues-sit-around-a-table-with-their-computers-and-phones-in-the-office","type":"image","width":1920},"promoText":"Tailored services for expats","subtitle":"Welcome to ING: Effortless and reliable banking for expats","title":"New country, new bank!"},"usps":[{"body":"Products and services tailored for expats with English language support","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/62b38b14b3b52602/original/Contact-Service_Callcentre_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/230c609d-d9da-4953-ae59-e32b2263a75c/Contact-Service_Callcentre_Outline","type":"image","width":32}},{"body":"Reliability and safety of the largest bank in the Netherlands","icon":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/70edcc16accd0a4f/original/Shield.svg","transformBaseUrl":"https://assets.ing.com/transform/ef40b33e-fe8b-49dc-9648-49c107b4e54c/Shield","type":"image","width":48}},{"body":"A bank that evolves with your needs, from day-to-day banking to planning for your future","icon":{"extension":"png","original":"https://assets.ing.com/m/8bbc7783d546c8d/original/mobile_phone_outline_orange_rgb0.png","transformBaseUrl":"https://assets.ing.com/transform/3befe157-6103-4091-ade5-3ec15e008cfc/mobile_phone_outline_orange_rgb0","type":"image","width":200}}]},"publishDate":"2026-07-06T17:02:07.191+02:00"}}