You can find your limit in the ING App and My ING through the overview of your current account. If you are overdrawn, you can also see since when your account has had a negative balance and by which date you must have a positive balance again. This date will only disappear after you have maintained a positive balance for at least 24 consecutive hours. You can also view the costs of being overdrawn. If your balance is positive, only your limit is shown. If no ING Overdraft limit is displayed, then ING Overdraft is not active on your current account.
"}},{"accordionList":[{"richBody":{"value":"In the app, go to the overview of your current account and click the blue 'Settings' button at the top. Here, you can see your overdraft limit. If you are overdrawn, you will also see the date by which your balance must be positive again.
"},"title":"View your ING Overdraft in the ING App"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"In My ING, go to the overview of your current account. In the overview, you can see your overdraft limit and the total available balance on your account. If you are overdrawn, you will also see the date by which your balance must be positive again.
"},"title":"View your ING Overdraft in My ING"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"When you are overdrawn, we inform you of the date by which your account balance must be positive again. You can find this information in your Messages in the ING App and My ING. If you remain overdrawn for too long, we will send you a message explaining what you can expect and which steps you can take. If you have chosen to receive letters by post, you will receive these reminders within 5 working days.
"},"title":"Important information in Messages"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Lower your ING Overdraft limit"},{"componentType":"paragraph","richBody":{"value":"If you rarely or never use your overdraft limit but would like to keep the option of going overdrawn for unexpected expenses, consider reducing your limit. This helps you stay in control of your finances while still having access to an overdraft when you really need it. The minimum ING Overdraft limit is €250.
"}},{"accordionList":[{"richBody":{"value":"Make sure the balance on your current account is higher than your new desired limit. Also take into account any upcoming debits, such as your credit card payment or the interest charges for using your ING Overdraft.
"},"title":"Requirements for lowering your ING Overdraft limit"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"Go to the product overview in your ING App or My ING. Enter ‘lower overdraft limit’ in the search bar and click Search. Click the first search result, ‘Lower ING Overdraft’, and follow the steps to reduce your limit.
After lowering your ING Overdraft limit:
You can read more about the BKR-registration of your ING Overdraft on the page ING Overdraft: how it works.
"},"title":"How to lower your ING Overdraft limit"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Increase your ING Overdraft limit"},{"componentType":"paragraph","richBody":{"value":"Do you need a little extra financial flexibility, for example because of unexpectedly high expenses? By increasing your limit, you have (temporary) additional room to cover your expenses and continue making your payments.
"}},{"accordionList":[{"richBody":{"value":"ING App:
Go to the product overview in your ING App. In the search bar, type 'increase overdraft limit' and click Search. Click the first search result, 'Increase overdraft limit', and follow the steps to increase your limit.
My ING:
In My ING, click on the current account linked to your ING Overdraft. Select 'Manage' in the top-right corner and click 'Change overdraft limit'. Follow the steps to increase your limit.
> Increase your limit in My ING
After increasing your ING Overdraft limit:
More information about the BKR-registration of your ING Overdraft can be found on the page ING Overdraft: how it works.
"},"title":"How to increase your ING Overdraft limit"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Cancel your ING Overdraft"},{"componentType":"paragraph","richBody":{"value":"No longer need your ING Overdraft? You can cancel your limit once you have a positive account balance. Please also take into account any pending transactions, such as your credit card payment or interest charges for using your ING Overdraft. If your ING Overdraft facility is cancelled, any outstanding interest charges will be debited from your current account immediately.
"}},{"accordionList":[{"richBody":{"value":"ING App:
Go to the overview of your current account. Then click the blue 'Settings' button at the top. Under Useful links, select 'Cancel overdraft facility'.
My ING:
In My ING, click on the current account linked to your ING Overdraft facility. Select 'Manage' in the top-right corner and click 'Cancel overdraft facility'. Follow the steps to cancel your overdraft limit.
After your ING Overdraft has been cancelled:
More information about the BKR-registration of your ING Overdraft can be found on the page ING Overdraft: how it works.
"},"title":"How to cancel your ING Overdraft"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Redemption note ING Overdraft"},{"componentType":"paragraph","richBody":{"value":"Do you need an overview of your ING Overdraft limit and the balance on your current account? For example, for your mortgage provider or your own records. You can easily request a redemption note through the ING App or My ING. The document will be sent directly to your Messages, where you can also download it. The overview always shows your current balance. Therefore, request it on the day you need the balance information.
"}},{"accordionList":[{"richBody":{"value":"ING App:
Go to the overview of your current account. Then click the blue 'Settings' button at the top. Under Useful links, select 'Request redemption note'.
My ING:
Click on the current account linked to your ING Overdraft. Select 'Manage' in the top-right corner and then click 'Request redemption note'.
Sometimes financial difficulties arise, and that can happen to anyone. Don’t wait too long to seek help. The sooner you let us know about your payment difficulties, the better we can support you. On the Payment difficulties page, you can read about what to expect from us.
Looking for ways to take greater control of your finances? On the Prevent money worries page, we explain what steps you can take yourself.
"}},{"accordionList":[{"richBody":{"value":"On the Overdraft facility withdrawn page, we explain the next steps and what you can do to have your limit reinstated.
"},"title":"ING Overdraft limit withdrawn"}],"componentType":"accordion"}]},"hasMacro":false,"id":"db17ee4b-7644-47a8-af7f-f7e624b482e6","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":"With ING Overdraft, you can temporarily have a negative balance on your current account. On this page, you can see what information about your ING Overdraft is available in the ING App and My ING, and what you can change yourself. Discover the options available to you and what they mean for your situation.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/636c1875-a22d-4baf-a3af-e79a24d2b1b1/Man-zit-buiten-op-trap-met-telefoon-in-handen-en-step-en-tas-voor-zich.jpg","publishedAt":"2024-10-22T09:30:13Z","transformBaseUrl":"https://assets.ing.com/transform/636c1875-a22d-4baf-a3af-e79a24d2b1b1/Man-zit-buiten-op-trap-met-telefoon-in-handen-en-step-en-tas-voor-zich","type":"image","updatedAt":"2024-10-23T11:12:34Z","width":540},"title":"Manage your ING Overdraft"}},"publishDate":"2026-08-12T18:43:37.303+02:00"}}