{"type":"document","data":{"id":"5fd3c925-517a-447d-9ef2-4339f0c9e5d8","localeString":"en-GB","publishDate":"2026-02-10T16:51:03.290+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Compare and view all interest rates for unauthorized overdraft. A clear overview at a glance."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Here you’ll find all current interest rates for unauthorized overdrafts.","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":"Unauthorized overdraft"},"backLink":{"textLink":{"url":"/en/personal/loans/rates","text":"Current Interest Rates"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph"},{"componentType":"sectionTitle","title":"Unauthorized overdraft"},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th /><th /><th>Interest rate (yearly)</th><th>Interest valid from</th></tr></thead><tbody><tr><td colspan=\"1\" rowspan=\"1\"><span lang=\"EN-US\" dir=\"ltr\"><span><span>Overdraft without an overdraft product</span></span></span></td><td> </td><td>0%</td><td>1 October 2024</td></tr><tr><td colspan=\"1\" rowspan=\"1\">Exceeding your overdraft limit</td><td width=\"45\"> </td><td>0%</td><td>1 October 2024</td></tr><tr><td colspan=\"1\" rowspan=\"1\">Exceeding your student overdraft limit</td><td> </td><td>0%</td><td>1 October2024</td></tr><tr><td colspan=\"1\" rowspan=\"1\">Exceeding your continuous limit for former students</td><td> </td><td>0%</td><td>1 October 2024</td></tr></tbody></table><p><span><span><span>Despite the care we take in maintaining the information on <a href=\"http://ing.nl\">ing.nl</a>, it is possible that a typing error appears in the listed rates. ING cannot be held liable for any direct or indirect damage resulting from such mistakes.</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"}]}]}}}