{"type":"document","data":{"id":"768f492b-e66e-4fd2-af6a-4f29a2750078","localeString":"en-GB","publishDate":"2026-02-10T17:00:06.834+01:00","contentType":"onecms:productPage","hasMacro":true,"macros":["prijs.pkv:ING.Rood.Staan.allelimieten.debetrentevoet.perc","prijs.pkv:ING.Rood.Staan.Studenten.allelimieten.perc"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Compare and view all interest rates for overdraft at ING. A clear overview right away."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Here you will find all current interest rates for overdraft.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/9c04f7f1-540b-4bce-9532-7a0ab8e219ae/Overhead-view-of-man-in-leather-jacket-entering-his-pin-number-onto-a-card-machine","type":"image","width":5616,"original":"https://assets.ing.com/m/525d35bb24a6636e/original/Overhead-view-of-man-in-leather-jacket-entering-his-pin-number-onto-a-card-machine.jpg","extension":"jpg"},"title":"Current interest rates","subtitle":"Overdraft"},"backLink":{"textLink":{"url":"/en/personal/loans/rates","text":"Current Interest Rates"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Overdraft"},{"componentType":"paragraph","richBody":{"value":"<table><caption>Variable interest rates on a yearly basis</caption><thead><tr><th>Product                  </th><th>Variable interest rate (independent of overdraft limit) </th><th /><th /><th>Interest applies per</th></tr></thead><tbody><tr><td colspan=\"1\" rowspan=\"1\">ING overdraft</td><td width=\"45\">%{prijs.pkv:ING.Rood.Staan.allelimieten.debetrentevoet.perc}%</td><td> </td><td width=\"50\"> </td><td>1 January 2026</td><td><br /> </td></tr><tr><td><strong>No longer available products:</strong></td><td> </td><td> </td><td> </td><td> </td><td><br /> </td></tr><tr><td colspan=\"1\" rowspan=\"1\">ING overdraft for students</td><td>%{prijs.pkv:ING.Rood.Staan.Studenten.allelimieten.perc}%</td><td> </td><td> </td><td>1 January 2026</td></tr></tbody></table><p><span><span><span>Changes reserved. The interest rate is variable and may change during the period you have the loan.</span></span></span></p><ul><li><a href=\"https://www.ing.nl/particulier/lenen/tarieven/persoonlijke-lening\">Personal loans</a></li><li><a href=\"https://www.ing.nl/particulier/lenen/tarieven/doorlopend-krediet\">Revolving credits</a></li><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/credit-cards\">Creditcards</a></li></ul><p><span><span><span>Despite the constant care and attention ING pays to the content of its website <a href=\"https://www.ing.nl/en/personal\">www.ing.nl</a>, it is possible that the rates mentioned contain typing errors. ING is not liable for any direct or indirect damage that may result from such errors.</span></span></span></p>"}},{"componentType":"accordion","accordionList":[{"title":"What is the maximum legal interest rate?","richBody":{"value":"<p><span><span><span>When you take out a loan, you pay interest. This is also called a credit fee. The maximum credit fee is the highest interest rate we are allowed to charge you for credit. Since 1 January 2026, the maximum credit fee has been 12%. This percentage is set by the Dutch government.</span></span></span></p><p><span><span><span>The maximum credit fee consists of the variable statutory interest rate plus a maximum surcharge. The government has structurally set the maximum surcharge at 8%. Because the statutory interest rate decreased from 6% to 4% on 1 January 2026, the maximum credit fee automatically decreased as well from 14% to 12%. The statutory interest rate is linked to developments in market interest rates. As a result, it has become cheaper for lenders to obtain funding. <a href=\"https://www.rijksoverheid.nl/onderwerpen/bescherming-van-consumenten/vraag-en-antwoord/wat-is-kredietvergoeding-en-wat-is-het-maximale-kredietvergoedingspercentage#:~:text=Als%20u%20een%20lening%20afsluit,sinds%201%20januari%202023%2012%25.\">See </a>also the Dutch government’s Q&amp;A on this subject.</span></span></span></p><ul><li><span><span><span><span>You can find the current statutory interest rate in <a href=\"https://wetten.overheid.nl/BWBR0047640/2024-01-01/0\">Article 1 of the Statutory Interest Decree</a> (Besluit wettelijke rente).</span></span></span></span></li><li><span><span><span><span>You can find the surcharge in <a href=\"https://wetten.overheid.nl/BWBR0005233/2021-07-23/0\">Article 4 of the Credit Fee Decree</a> (Besluit kredietvergoeding).</span></span></span></span></li></ul><p><span><span><span>The interest rate for ING overdraft  is variable and equal to the maximum credit fee minus a fixed discount of 0.1%. From 1 January 2026 onward, we use the new maximum credit fee of 12%, which means your interest rate will be 11.9% (12% – 0.1%).</span></span></span></p><p><span><span><span>The interest rate for ING overdraft for students is also variable and equal to the maximum credit fee minus a fixed discount of 2.8%. From 1 January 2026 onward, we use the new maximum credit fee of 12%, which means your interest rate will be 9.2% (12% – 2.8%).</span></span></span></p>"}}]},{"componentType":"linkList","iconTitle":{"title":"Loans"},"textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"What does borrowing cost?"},{"url":"/en/personal/loans/how-much-money-can-i-borrow","text":"How much can I borrow?"},{"url":"https://mijn.ing.nl/banking/loans/personal-loan-apply","text":"Apply for a loan"},{"url":"/en/personal/loans/rates","text":"Current interest rates"}]}]}}}