{"type":"document","data":{"id":"2a4db946-2e30-442e-a2a6-c0253d5af0a2","localeString":"en-GB","publishDate":"2026-04-28T17:02:09.875+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Compensation for variable interest for customers with a Revolving Credit Card."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/compensation","text":"Check whether you will receive compensation"}},"coreHeader":{"body":"Do you have a Revolving Credit Card? Or did you have one in the past? Then you may be eligible for compensation. The variable interest rate for Revolving Credit Card did not always move sufficiently with the market rate. We are correcting this by offering compensation to customers who paid too much interest. We calculate the compensation starting from the year 2001.\r\n\r\nWe aim to compensate all customers who qualify by the end of 2025 at the latest. If the compensation amount for a contract is €50 or more, you will receive a compensation proposal for that contract, which you must sign.\r\n\r\nING has decided to expand the compensation scheme and will now also reimburse overpaid variable interest below €50. This decision follows rulings by Kifid’s Disputes Committee on 4 November 2024, which concerned other financial service providers. The Disputes Committee sees no reason to maintain a minimum compensation amount. ING has taken the Kifid rulings into account. As a result, the €50 threshold will be removed.\r\n\r\nFor compensation amounts below €50, no signature is required. This amount will be paid directly to the account number we have on record. The calculation can be viewed in Mijn ING. For customers without Mijn ING, the calculation can be sent by post.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/247e4c51-ca08-4fd6-b2fd-36d62b45d88f/Overhead-view-of-counter-with-keys-iphone-and-bank-card","type":"image","width":5616,"altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/5c0c8ee03a06929e/original/Overhead-view-of-counter-with-keys-iphone-and-bank-card.jpg","extension":"jpg"},"title":"Variable‑interest compensation","subtitle":"For customers with a Revolving Credit Card."},"backLink":{"textLink":{"url":"/en/personal/loans","text":"Borrowing money"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","title":"When are you eligible?","richBody":{"value":""}},{"componentType":"paragraph","title":"Where can you see if you are eligible for compensation?","richBody":{"value":"

"}},{"componentType":"accordion","accordionList":[{"title":"ING-customers","richBody":{"value":"

Do you have or did you have a Revolving Credit Card? Then you can check in Mijn ING whether you will receive money back log in.

Is your compensation amount €50 or more? Then you will receive a message asking you to sign a Settlement Agreement. You do not need to do anything to receive this message. Don’t have Mijn ING? Then you can call us at 020 22 888 90 to check whether you will receive compensation. You may also compensatieregeling@ing.nl

Is your compensation amount between €0 and €50? Then you will automatically receive the compensation in your payment account by the end of 2025 at the latest. You do not need to take any action.

Note: was your Revolving Credit Card functionality ended before 1 August 2011?
Then we no longer have (part of) your information because the legal retention period has expired. This may include contract details or transaction data. Because of this, we cannot create a calculation for you.
If you believe you may still be eligible for compensation, check ing.nl/proof.

"}},{"title":"Former ING-customers","richBody":{"value":"

If you are no longer an ING customer but you previously had a Revolving Credit Card with us and you believe you may be eligible for compensation then you can register via ing.nl/formercustomer. We will then investigate whether you qualify for compensation.

"}}]},{"componentType":"paragraph","title":"How will you receive a message?","richBody":{"value":"

"}},{"componentType":"accordion","accordionList":[{"title":"ING-customer","richBody":{"value":"

If your compensation amount is €50 or more, you will receive a message asking you to sign a Settlement Agreement. You do not need to do anything to receive this message.

If you are not eligible for compensation, you will not receive a message.

Note: has your Revolving Payments functionality ended before August 2011? Then we no longer have (part of) your information because the legal retention period has expired. This may include contract details or transaction data. Because of this, we cannot create a calculation for you, and you will not receive a message. If you believe you may be eligible for compensation, check ing.nl/proof to see what we need from you to make a calculation.

"}},{"title":"Former ING-customers","richBody":{"value":"

Ben je geen klant meer bij ING, maar heb je in het verleden wel een Creditcard met Gespreid betalen faciliteit bij ons gehad? En denk je in aanmerking te komen voor compensatie? Dan kan je je aanmelden via ing.nl/formercustomers. We zullen dan onderzoeken of je in aanmerking komt voor compensatie.

If you are no longer an ING customer but you previously had a Revolving Credit Card facility with us and you believe you may be eligible for compensation then you can register via ing.nl/formercustomers. We will then investigate whether you qualify for compensation.

"}}]},{"componentType":"paragraph","title":"How can I view my calculation?","richBody":{"value":"

Do you have Mijn ING or the ING App? Then you can view the calculation via Mijn ING or the ING App. If you do not have Mijn ING or the ING App, you can also receive the calculation by post by contacting us at compensatieregeling@ing.nl. It is important that you write ‘Berekening gevraagd voor compensatie’ (‘Calculation requested for compensation’) in the subject line. Don’t forget to include the contract number in the body of your email.

 

"}},{"componentType":"paragraph","title":"What can you do if you disagree with the calculation?","richBody":{"value":"

We calculate the compensation amount fully automatically and per credit. If the compensation amount for a contract is €50 or more, you will receive a compensation proposal for that contract, which you must sign. For compensation amounts greater than €0 but below €50, no signature is required. This amount will be paid directly to the account number we have on record. You can view the calculation in Mijn ING or request it by email.

Of course, you can always contact us if you disagree with our calculation, the amount of our compensation proposal, or our decision not to make a compensation proposal. A staff member can also explain our decision to you or review the decision again.

"}},{"componentType":"paragraph","title":"Customers under guardianship and heirs","richBody":{"value":"

"}},{"componentType":"accordion","accordionList":[{"title":"Customers under guardianship","richBody":{"value":"

Are you under guardianship and/or conservatorship, and is this known to us?

Then your guardian should have automatically received a letter by post at the end of 2024 if your contract qualifies for compensation.

Has your guardian not received a message by January 2025, and do you believe you may be eligible for compensation?

Then ask your guardian to contact us. We will investigate whether you qualify for compensation.

"}},{"title":"Heirs","richBody":{"value":"

We have started sending compensation proposals to the authorised person handling the estate.
Have you, as an heir, not received anything yet? Then please register. From the moment you register with the required documents, we will do our best to let you know within 60 days whether you are eligible.
You can find more information at ing.nl/compensation-heirs. 

"}}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"paragraph","richBody":{"value":"

Below you can find the frequently asked questions for the compensation scheme for Revolving Credit Card.
General information and questions about the compensation scheme can be found on the general compensation page.
Is your question not listed or do you need help? Please contact us at 020 22 888 90. You can reach us on working days from 8:30 to 17:00.

"}},{"componentType":"accordion","accordionList":[{"title":"What is the agreement with the Consumentenbond about the compensation scheme?","richBody":{"value":"

For the development of the compensation scheme for Revolving Credit Card, we consulted with the Consumentenbond. Among other things, we agreed that compensation for this product will be calculated from 2001 onward.

You are eligible for compensation if you meet the following criteria:

"}},{"title":"Which credit card products qualify?","richBody":{"value":"

Credit Cards issued by ING Bank N.V. and former Postbank Credit Cards, both with an Revolving Credit Card facility.

"}},{"title":"What is a Revolving Credit Card?","richBody":{"value":"

With a Revolving Credit Card, you repay a fixed amount or a fixed percentage of the outstanding balance each month. The monthly amount consists of both interest and principal repayment.

"}},{"title":"With a Revolving Credit Card, you repay a fixed amount or a fixed percentage of the outstanding balance each month. The monthly amount consists of both interest and principal repayment.","richBody":{"value":"

No, we agreed with the Consumers’ Association that compensation will be calculated starting from 2001.
If you applied for a Credit Card before 2001 but used it and paid interest after 2001, you may still be eligible for the compensation scheme.

"}},{"title":"What if I have used both Revolving Payments and full repayment on my Credit Card?","richBody":{"value":"

For the compensation scheme, we only look at the interest paid on the spending on your Credit Card (outstanding balance).
If you repay the full amount each month, you do not have an outstanding balance and therefore do not pay any interest.

"}},{"title":"Am I eligible for the compensation scheme if I had a Student Credit Card?","richBody":{"value":"

No, with a Student Credit Card you repay all your spending in one instalment each month. Because you do not pay any interest on this, you are not eligible for the compensation scheme.

"}},{"title":"Do I qualify for compensation if I had both a Credit Card and a Platinum Card?","richBody":{"value":"

Yes, it does not matter which type of Credit Card you had, as long as you used the Revolving Payments facility and paid interest on your spending.

"}},{"title":"I have had multiple Credit Cards. What does this mean for my compensation?","richBody":{"value":"

We calculate the compensation per Credit Card agreement. Did you end a Credit Card and later apply for a new one? Or did you increase the limit on your Credit Card? Then these are considered two separate agreements. We assess each Credit Card agreement separately to determine whether you will receive compensation. If the compensation amount for an agreement is €50 or more, you will receive a compensation proposal for that agreement, which you must sign. For compensation amounts greater than €0 but below €50, no signature is required. This amount will be paid directly to the account number we have on record.

"}},{"title":"Where can I find more information about this topic?","richBody":{"value":"

Keep an eye on the general compensation page for the most up‑to‑date news about ING’s compensation scheme. Or read more here about the Kifid rulings: Kifid-uitspraken.

"}}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"title":"Where can I find more information about this topic?"},"textLinks":[{"url":"/en/personal/loans/compensation-variable-interest","text":"Compensation scheme"},{"url":"/en/personal/loans/compensation-variable-interest/compensation-amount","text":"How we calculate your amount"}]}]}}}