You only pay interest on the amount by which you are overdrawn. We calculate interest from the first to the last day of each month. If you have used your overdraft, the interest will be debited from your account once a month. If your ING Overdraft facility is cancelled, any outstanding interest charges will be debited from your current account immediately.
Would you like to know more about how interest is calculated for ING Overdraft? Visit the ING Overdraft page.
"}},{"componentType":"sectionTitle","title":"When should your account balance be positive again"},{"componentType":"paragraph","richBody":{"value":"ING Overdraft is intended as a flexible, short-term credit facility for unexpected expenses. Once you become overdrawn, you have up to three months to bring your account back into a positive balance. Your balance must be €0 or higher for at least 24 consecutive hours. After that, you can use your overdraft facility again for up to another three months. Would you like to know by which date your balance must be positive? Visit Manage your ING Overdraft to find out where you can view this information in the ING App or in My ING.
"}},{"accordionList":[{"richBody":{"value":"To keep your ING Overdraft, your account balance must be positive for at least 24 consecutive hours once every 90 days. This does not have to happen at a specific time, as long as your balance remains positive for 24 hours in a row.
Are you currently overdrawn? Then you will meet this requirement if the 24-hour positive balance period is completed before the date shown in your ING App and My ING.
"},"title":"Maintain a positive balance for at least 24 consecutive hours"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"It is not possible to extend the deadline by which your account balance must be positive. If you are unable to bring your balance back to a positive amount before the stated date, your ING Overdraft will be (temporarily) reduced to €0. As long as your account balance remains negative, you will no longer be able to make payments using your account. It is therefore important to ensure that your account balance is positive again before the specified date.
"},"title":"Request more time to restore a positive balance"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Being overdrawn for too long or by too much"},{"componentType":"paragraph","richBody":{"value":"If you remain overdrawn for 90 days, you will have an additional 30 days to restore a positive account balance in order to keep your overdraft limit. If your balance is positive for at least 24 consecutive hours within those additional 30 days, we will assess whether you can continue using your overdraft limit. This assessment is based on an automated income check. If your balance does not become positive for at least 24 consecutive hours within those additional 30 days, we will terminate your overdraft limit.
"}},{"accordionList":[{"richBody":{"value":"If your account balance remains negative for 90 consecutive days, your ING Overdraft limit will be (temporarily) reduced to €0. If, within the following 30 days, your account balance is €0 or higher for at least 24 consecutive hours, we will assess whether you can use your ING Overdraft limit again. This assessment is based on an income check of the linked current account.
If your negative balance exceeds your overdraft limit, you are overdrawn without our permission. This is known as an overdraft limit breach. Being overdrawn without approval may result in a negative BKR-registration. Read more about this on the BKR-registration page. If you exceed your overdraft limit, we will terminate your ING Overdraft if your account balance has not been positive for at least 24 consecutive hours within one month.
For example, if your overdraft limit is €500 but your account balance is -€550, you have one month to bring your balance back within your approved overdraft limit of €500.
"},"title":"Exceeding your overdraft limit"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"We may terminate your ING Overdraft limit in the following situations:
Are you overdrawn without permission? This means you have exceeded your overdraft limit. In that case, no interest will be charged on the amount by which you exceed your limit.
"},"title":"When do we terminate your overdraft limit"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"BKR-registration of your ING Overdraft"},{"componentType":"paragraph","richBody":{"value":"
All loans exceeding €250 with a term longer than one month are registered in the credit register of the Bureau Krediet Registratie (BKR). This also applies to your ING Overdraft facility. You can request a copy of your credit report free of charge.
"}},{"accordionList":[{"richBody":{"value":"Type of loan
The initial registration of your loan is called a positive registration. If you remain overdrawn without permission for 3 months or longer, we are required to report the payment arrears to the BKR. The arrears are recorded in the credit register using specific codes. This is called a negative registration. A negative BKR-registration may affect future applications for credit, such as a loan or mortgage. Both positive and negative registrations remain on your credit record for 5 years after the actual end date of your loan.
"},"title":"Positive or negative registration"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"If you are overdrawn within your ING Overdraft limit, we will tell you by which date your account balance must be positive again. If this does not happen and you remain overdrawn without permission for 3 months or longer, we are required to report this to the BKR. The negative registration remains visible in the credit register for up to 5 years after the end date of your loan, even if the arrears have been cleared.
| Code | Meaning |
|---|---|
| A | You have fallen behind on your credit payments for a certain period. |
| H | You have caught up on the payment arrears and your credit agreement is continuing as normal. In addition to the arrears code (A), a recovery code (H) will be registered. |
| 1 | You have a registered payment arrears code (A) and have agreed a repayment arrangement to repay both the arrears and the credit. |
| 2 | The lender has demanded immediate repayment of both the payment arrears and the outstanding credit balance. This means the lender has asked you to repay the full amount in a single payment. |
| 3 | The lender has written off €250 or more of the payment arrears and the credit, or has forgiven €250 or more of the debt. |
| 4 | The lender has attempted to contact you but has been unable to reach you. |
| 5 | You have agreed a preventive repayment arrangement for your mortgage with your lender. This code is temporary. |
Do you disagree with your negative registration? On the page BKR-registration, you can find information about how to submit a request for a correction or removal.
"},"title":"BKR-registration changes or removal"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"ING Overdraft terms and conditions"},{"componentType":"paragraph","richBody":{"value":""}}]},"hasMacro":false,"id":"5913db44-8813-4801-9821-34edf95c0f59","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"More information about your loan","url":"/en/personal/loans/use-my-loan/more-about-ing-overdraft"}},"componentType":"productHeader","coreHeader":{"body":"Do you have ING Overdraft? On this page, you can read how it works, which terms and conditions apply, and what it means for you. This helps you understand what to take into account and how to stay in control of your account balance.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/f414156b-3a2b-4449-8442-b00ba9316eeb/Young-woman-using-mobile-phone-and-laptop-while-sitting-at-home.jpg","transformBaseUrl":"https://assets.ing.com/transform/f414156b-3a2b-4449-8442-b00ba9316eeb/Young-woman-using-mobile-phone-and-laptop-while-sitting-at-home","type":"image","width":7200},"title":"ING Overdraft: how it works"}},"publishDate":"2026-07-08T13:04:54.673+02:00"}}