{"type":"document","data":{"id":"c99a5365-2a72-4e45-b6f5-13de90c9eb44","localeString":"en-GB","publishDate":"2026-04-24T13:12:13.851+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"The interest rate you pay on the amount you are overdrawn with ING Overdraft, ING Student Overdraft, or your Student Account overdraft limit is variable. How does this work?"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"The interest rate you pay on the amount you are overdrawn with ING Overdraft or ING Student Overdraft is variable. This means the interest rate may go up or down during the term.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/3b0fd827-e32e-4dc0-aa22-a3af06359670/compare-current-accounts-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/747b0719f337c97f/original/compare-current-accounts-1920.jpg","extension":"jpg"},"title":"Variable interest rate"},"backLink":{"textLink":{"url":"/en/personal/loans/rates","text":"Tarieven"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why?"},{"componentType":"paragraph","richBody":{"value":"<p>The interest rate for ING Overdraft or ING Student Overdraft is variable because we do not know in advance how long your loan will run. You can read what the interest rate is based on in the product terms and conditions.</p><p>What does this mean for you?</p><ul><li>If the interest rate increases, overdrawing becomes more expensive. You will pay more interest on the amount you are overdrawn.</li><li>If the interest rate decreases, overdrawing becomes cheaper. You will pay less interest on the amount you are overdrawn.</li></ul><p>Timely notification<br />If the interest rate changes, we will inform you at least 2 weeks in advance via My ING, your paper statement of your ING Current Account, or by letter.</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"}]}]}}}