{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Examples of debit interest","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>On the day your order is executed (the transaction date), the sale proceeds become visible almost immediately in the cash part of your investment account. However, the order is only fully processed on the value date. You can find the value date in the ‘changes’ overview. If you transfer the sale proceeds to your current account or another investment account before the value date, you may temporarily have a negative balance.</p>"},"title":"Transfer sale proceeds"},{"componentType":"paragraph","richBody":{"value":"<p>It may happen that you have a negative balance in the cash part of your investment account, for example due to a deduction of the base and service fee.</p>"},"title":"Base and service fee"},{"componentType":"paragraph","richBody":{"value":"<p>When writing options, a margin requirement may arise. This requirement fluctuates in value, and you must have enough money available to cover it. If the margin requirement increases and you are unable to deposit additional funds, ING may close your option position, which can cause your account to go into overdraft.</p>"},"title":"Writing options"},{"componentType":"paragraph","richBody":{"value":"<p>Investing involves risks and costs. You may lose (part of) your investment. <a data-type=\"internal\" href=\"/en/personal/investing/investments-at-ing/risks-of-investing-per-investment-type\">Read more about the risks of investing</a> and how you can reduce them.</p><p>*This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.<br /> </p>"},"title":"Good to know"},{"componentType":"linkList","iconTitle":{"title":"Discover more about investing"},"textLinks":[{"text":"Investing with ING","url":"/en/personal/investing"},{"text":"Sustainable investing","url":"/en/personal/investing/sustainability"},{"text":"How does investing work","url":"/en/personal/investing/how-does-investing-work"},{"text":"ING Investment Office","url":"/en/personal/investing/ing-investment-office"},{"text":"Market news and views","url":"/en/personal/investing/market-news-and-views"}]}]},"hasMacro":false,"id":"590c622f-4083-466d-96df-ba7120c00d6b","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Start investing at ING","url":"/en/personal/investing/investments-at-ing"}},"componentType":"productHeader","coreHeader":{"body":"You pay debit interest on the negative balance. With a few examples, we’ll gladly explain how this can happen. This page is an English translation of the original Dutch version.*","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/671063442344bf54/original/Close-up-of-four-children-with-sneakers.jpg","transformBaseUrl":"https://assets.ing.com/transform/955164d1-89b3-4cb9-955d-d0b836eaa2e5/Close-up-of-four-children-with-sneakers","type":"image","width":3861},"subtitle":"There are situations in which the cash part of your investment account can become negative.","title":"Situations in which an overdraft may occur"}},"publishDate":"2026-07-10T14:39:10.466+02:00"}}