An ING overdraft is a loan where you’re authorised to overdraw your ING current account. You may overdraw up to the amount (limit) that you arrange with us.
Temporarily out of money? With an ING overdraft, you can still pay in shops, withdraw cash and pay your bills.
What limit are you eligible for?
Your income in the past three months determines your choice of limits when applying for an ING overdraft. The €2,000 limit is not available on student accounts. And if you have an ING credit card, that will also play a role in determining the limits available on a student account.
"}},{"title":"What are the pros of an ING overdraft?","richBody":{"value":"Risks of an ING overdraft
Risks when overdrawn for too long
You’ve held an ING current account for at least four months, and at least the monthly amount of regular income that we require was paid into that account during the past three months. Regular income can be your salary, pension or state benefits (benefits under the General Old Age Pensions Act (AOW), Unemployment Insurance Act (WW), Work and Income (Capacity for Work) Act (WIA) or the Invalidity Insurance (Young Disabled Persons) Act). Example: To apply for a limit of €250, you must receive at least €250 per month in regular income.
After performing a credit check, we believe that an ING overdraft would be financially sensible for you and for us.
ING overdraft terms and conditions (PDF)
"}},{"title":"What’s the maximum cost of borrowing?","richBody":{"value":"When you take out a loan, you pay interest. This is also known as the cost of borrowing (or cost of credit). The maximum cost of borrowing is the maximum interest that we can charge you for borrowing money. At 1 January 2026, the maximum cost of borrowing is 12%. This is set by the government. The maximum cost of borrowing consists of the variable statutory interest plus a maximum surcharge. The maximum surcharge has been set by the government at a structural level of 8%. As the statutory interest rate decreased from 6% to 4% on 1 January 2026, the maximum cost of borrowing automatically decreased from 14% to 12%. The statutory interest rate is linked to the market interest rate trend. It has therefore become more expensive for lenders to procure funds. See also the Dutch government’s Q&As.
The interest rate on an ING overdraft is variable and equal to the maximum cost of the borrowing minus a fixed discount of 0.1%. From 1 January 2026, we will use the new maximum cost of borrowing of 12% for our calculation, which means your interest rate will be 11.9% (12% - 0.1%).
"}}]},{"componentType":"sectionTitle","title":"What does an ING overdraft cost?"},{"componentType":"paragraph","richBody":{"value":"Overdraft interest
The interest you pay depends on for how much and how long you’ve been overdrawn. At the end of each day, we’ll calculate how much interest you pay that day. On the first day of the month, we’ll add up the daily interest that we’ve calculated from the previous month and charge that to your current account.
Orange package fee and annual percentage rate
Some example calculations of interest and costs for different amounts of credit are given below. The monthly payment is the interest charged if you have been in overdraft up to your limit for the whole month. The annual percentage rate comprises the interest and the fee for the orange package of €4,00 per month. These are added together to form your total cost.
| Total amount of credit | Variable interest rate | Monthly payment | Term | Orange package fee (per month) | Annual percentage rate |
|---|---|---|---|---|---|
| € 250 | %{prijs.pkv:ING.Rood.Staan.lim250.debetrentevoet.perc}% | %{prijs.pkv:ING.Rood.Staan.lim250.maandbedrag.eur}% | Indefinite | %{prijs.btp:OranjePakket.Abfee_maand.eur}% | 35,4% |
| € 500 | %{prijs.pkv:ING.Rood.Staan.lim500.debetrentevoet.perc}% | %{prijs.pkv:ING.Rood.Staan.lim500.maandbedrag.eur}% | Indefinite | %{prijs.btp:OranjePakket.Abfee_maand.eur}% | 23,3% |
| € 1.000 | %{prijs.pkv:ING.Rood.Staan.lim1000.debetrentevoet.perc}% | %{prijs.pkv:ING.Rood.Staan.lim1000.maandbedrag.eur}% | Indefinite | %{prijs.btp:OranjePakket.Abfee_maand.eur}% | 17,6% |
| € 2.000 | %{prijs.pkv:ING.Rood.Staan.lim2000.debetrentevoet.perc}% | %{prijs.pkv:ING.Rood.Staan.lim2000.maandbedrag.eur}% | Indefinite | %{prijs.btp:OranjePakket.Abfee_maand.eur}% | 14.8% |
| Provider | ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam | Trade Register Amsterdam nr. 33031431 |
Total amount of credit
The maximum amount that we've agreed you can overdraw (limit).
Variable interest rate
The interest rate you pay for your credit is the effective annual rate. This interest rate is variable and equals the maximum cost of borrowing minus 0.1%. The maximum cost of borrowing is currently %{prijs.pkv:ING.Rood.Staan.allelimieten.debetrentevoet.perc}%. This means you pay 11.90% (12% - 0.1%). Subject to change.
Monthly payment
This is the monthly mandatory payment if you’ve used the total amount of credit during the whole month. With an ING overdraft, the monthly payment consists of interest only. You don’t have to pay back your overdraft every month, but you do need to make sure that you have a credit balance on your current account for one full day every three months. You only pay interest on the overdrawn amount. The monthly payment is collected from your account after the end of the month.
Annual percentage rate (APR)
This is the interest and other charges you pay for the credit, expressed as an annual percentage of the total amount of credit. The fee for a current account is the same for each amount of credit. As a result, the annual percentage rate is lower if the amount of credit is higher. Our calculation of this percentage is based on the following assumptions:
The interest rate on an ING overdraft is linked to the maximum cost of borrowing minus a fixed rate of 0.1%. This means that the interest rate keeps pace with the cost of borrowing. If the maximum cost of borrowing goes up, you pay a higher interest rate. If it goes down, you pay a lower interest rate. We do not set the maximum cost of borrowing ourselves. That’s done by the government. On 1 January 2026, the government decreased the maximum cost of borrowing by 2% from 14% to 12%. Because it’s linked to the maximum cost of borrowing, the interest rate on an ING overdraft will also decrease by 2%. The change will take effect on 1 January 2026.
You can always find the latest interest rates at ing.nl/tarieven.
"}}]},{"componentType":"sectionTitle","title":"Central Credit Registration Office (BKR) and ING overdraft"},{"componentType":"paragraph","richBody":{"value":"Like other banks and lenders, we are required to report limits above €250 to the Central Credit Registration Office (BKR). Good to know:
This is known as a ‘positive registration’.
If you always pay on time, your registration will remain positive.
That will only become a negative registration if you fall behind on your payments.
We do not report ING overdrafts of €250 to the Central Credit Registration Office (BKR).
If you cancel your ING overdraft, we'll deregister it with the Central Credit Registration Office (BKR).
More about Central Credit Registration Office (BKR) registration
"}},{"componentType":"linkList","iconTitle":{"title":"Terms and Conditions ING Overdraft"},"textLinks":[{"text":"Terms and Conditions ING Overdraft"},{"url":"https://assets.ing.com/m/48eb82b3aee6de9d/original/Terms-and-conditions-ING-Overdraft.pdf","text":"Terms and Conditions ING Overdraft"}]},{"componentType":"linkList","iconTitle":{"title":"Want to know more about borrowing?"},"textLinks":[{"url":"/particulier/lenen/hoeveel-kan-ik-lenen","text":"How much can I borrow?"},{"url":"/en/personal/loans/our-loans/overdraft","text":"Overdraft"},{"url":"/en/personal/loans/what-does-borrowing-cost","text":"What does borrowing cost?"},{"url":"/en/personal/loans","text":"Loans"},{"url":"/particulier/lenen/informatie-over-lenen/kleine-lening","text":"Borrowing a small sum"},{"url":"/particulier/lenen/informatie-over-lenen/bkr","text":"Loans and Central Credit Registration Office (BKR)"},{"url":"/particulier/lenen/onze-leningen/doorlopend-krediet","text":"Revolving credit"},{"url":"/particulier/lenen/lening-aanvragen","text":"Apply for a loan"},{"url":"/particulier/lenen/jouw-leendoel/zonnepanelen-financieren","text":"Finance solar panels"},{"url":"/en/personal/loans/your-goals/car-loan","text":"Borrow money for a car"},{"url":"/en/personal/loans/use-my-loan/overdraft-everything-under-control","text":"Change your overdraft limit"},{"url":"/particulier/betalen/tarieven/vergelijking-betaaldiensten","text":"Payment services comparison"}]}]}}}