You are an ING customer or a former ING customer
And you have or had one of the products listed below
And your interest rate did not sufficiently follow the market rate
If you have or had a revolving credit or Continuous Limit, you can:
Check in Mijn ING whether you will receive money back.
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? Check the service and contact page for the available options. You may also email us at 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.
Is your compensation amount below €0?
Then you are not eligible for compensation. You also do not need to pay anything back. If you are not eligible, you will not receive a message.
Note: please check the exceptions to the schedule below.
"}},{"title":"Former ING-customer","richBody":{"value":"If you are no longer an ING customer but you previously had a revolving credit and/or a Continuous Limit with us, you can register via ing.nl/formercustomer. We will then investigate whether you are eligible for compensation.
"}}]},{"componentType":"paragraph","title":"How will you receive a message?"},{"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: if you have or had your variable‑interest credit together with someone else, you will each receive half of the compensation. If your total compensation amount is €50 or more, you will both receive your own compensation proposal in Mijn ING or by post.
"}},{"title":"Former ING-customer","richBody":{"value":"If you are no longer an ING customer but you previously had a Revolving Credit with us, you can register via ing.nl/formercustomer. We will then investigate whether you are eligible 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 through Mijn ING or the ING App.
If you don’t have Mijn ING or the ING App, you can also receive the calculation 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 must be signed. For compensation amounts 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 do not agree with our calculation, the amount of our compensation proposal, or our decision not to make a compensation proposal. We can also explain the calculation to you or review the decision again.
"}},{"componentType":"accordion","accordionList":[{"title":"Customers under guardianship","richBody":{"value":"If you are under guardianship and/or conservatorship and this is known to us:
Then your guardian should have received a letter by post at the end of 2024 if your contract qualifies for compensation.
If your guardian did not receive a message at the end of 2024 and you believe you may be eligible for compensation:
Ask your guardian to contact us. We will then 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 inform you within 60 days whether you are eligible for compensation. 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 about the compensation scheme for the revolving credit and the Continuous Credit Limit. 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? Check the service and contact page for the available options. You can reach us on working days from 8:30 to 17:00.
"}},{"componentType":"accordion","accordionList":[{"title":"I don’t have email. Can I also send my Settlement Agreement by post?","richBody":{"value":"Yes, that’s possible. Email is of course faster and more environmentally friendly. If you still prefer to send it by post, then send all 4 pages of the Settlement Agreement without a stamp to:
ING Compensatie Variabele Rente
Antwoordnummer 40050
8900 SC Leeuwarden
Note: it is important that you write ING Compensatie Variabele Rente on the envelope.
"}},{"title":"My interest payments were temporarily stopped. Does this affect the compensation?","richBody":{"value":"Yes, if you did not pay interest for a period of time—for example due to the Corona Payment Pause—then we do not include this period in the calculation.
"}},{"title":"A part of my credit was written off. Does this affect my compensation?","richBody":{"value":"Yes, we offset any previous waivers related to your credit against the compensation amount.
"}},{"title":"My Revolving Credit was converted into a Financieel Fit Credit. Does this affect the compensation?","richBody":{"value":"If your Revolving Credit or Continuous Limit was converted into a Financieel Fit Credit, we calculate whether you are entitled to compensation for the period during which your contract was a Revolving Credit. If you qualify for compensation, we will not pay the amount into your Payment Account. Instead, we use it to reduce the outstanding balance of your Financieel Fit Credit. If there is any amount left after that, we will transfer it to your Payment Account.
"}},{"title":"My Continuous Limit was converted by ING into a Revolving Credit in 2019. What does this mean for my compensation?","richBody":{"value":"If you have a converted Continuous Limit, there are two possibilities: we create one compensation calculation, or we create two separate calculations. We will look at each situation individually and choose the method that results in the highest compensation for you.
"}},{"title":"I have had multiple revolving credits. Will the compensation amounts be added together?","richBody":{"value":"We calculate the compensation per contract. If you increased your revolving credit or Continuous Limit, these count as 2 separate contracts. We therefore assess each contract individually to determine whether you receive compensation. If you lowered your credit limit, this counts as 1 contract.
"}},{"title":"I increased my limit during the term. Does this affect the compensation?","richBody":{"value":"If you increased your limit during the term, these are considered 2 separate contracts. We assess each contract individually to determine whether you receive compensation. If the compensation amount for a contract is €50 or more, you will receive a compensation proposal for that contract, which must be signed. For compensation amounts below €50, no signature is required. This amount will be paid directly to the account number we have on record.
"}},{"title":"What happens if the compensation differs per contract for example, one amount is above €50 and another is below?","richBody":{"value":"We calculate the compensation per contract. For each contract, we separately check whether the compensation amount is €0 or more. If the compensation amount for a contract is €50 or more, you will receive a compensation proposal for that contract, which must be signed. For compensation amounts below €50, no signature is required. That amount will be paid directly to the account number we have on record. Each contract is assessed individually, regardless of the total amount across multiple contracts.
"}},{"title":"Why is it taking so long?","richBody":{"value":"We understand that we are asking a lot of patience from you. But the calculations are complex, and in this process we choose accuracy over speed. The complexity comes from the fact that there are many contracts, different contract durations, compound‑interest calculations, and in some cases we no longer have all information because the legal retention period has expired. This may include contract details or transaction data. If we no longer have all transaction data, we will try to determine whether you qualify for compensation by using averages and assumptions.
If you are eligible for compensation, you will receive a personal message. It’s good to know that you will receive legal interest on your compensation amount for as long as you have not yet received a proposal.
"}},{"title":"How high is the legal interest rate?","richBody":{"value":"The legal interest rate is set by the government and has been 4% since 1 January 2026. In 2025 it was 6%. In 2024 it was 7%. From 1 July 2023 to 31 December 2023 it was 6%. From 1 January 2023 to 30 June 2023 it was 4%, and before that it was 2% for a long time.
"}}]},{"componentType":"linkList","componentStyle":"default","iconTitle":{"title":"More information about the variable‑interest compensation?"},"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 compensation amount"}]}]}}}