You can easily change the current limit on your current account in My ING:
Limits higher than €250 must be reported to the Credit Registration Bureau (BKR). You will then receive a positive BKR registration.
Read more about what a BKR registration means for you and how BKR registrations work on BKR registrations and borrowing.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/b594480b-d2c7-4db0-bfae-6cdb14dcbe4a/Boy-sitting-on-table-doing-homework","altTextNL":"Jongen zit op tafel huiswerk te maken","altTextFR":"Garçon assis à table faisant ses devoirs","original":"https://assets.ing.com/m/565a8a28bc1d95d3/original/Boy-sitting-on-table-doing-homework.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Important: Stay positive every 3 months"},{"componentType":"paragraph","richBody":{"value":"
You use ING overdraft when you need flexible, short-term credit for unexpected expenses. From the moment you are overdrawn, you have 3 months to return to a positive balance. You do this by repaying the outstanding amount (the amount you are overdrawn plus interest). Your balance on your current account must remain above €0 (positive) for at least 24 consecutive hours. After that, you can overdraw again for up to 3 months.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/98e62c44-4942-4973-b954-296351b24ee5/PORTRAIT-OF-SMILING-YOUNG-WOMAN-SITTING-ON-SUNGLASSES-mirrored","original":"https://assets.ing.com/m/1ac10cab486faa09/original/PORTRAIT-OF-SMILING-YOUNG-WOMAN-SITTING-ON-SUNGLASSES-mirrored.jpg","extension":"jpg"}},{"componentType":"accordion","accordionList":[{"title":"What if I stay overdrawn for longer than 3 months?","richBody":{"value":"If you do not manage to get a positive balance within the set period, we may reduce your limit to €0. From that moment, you are overdrawn without permission. It is important that you return to a positive balance within the agreed time frame.
If you succeed in having a positive balance for at least 24 hours within the set period, you can overdraw again for up to 3 months up to your original limit.
If the balance is not positive in time, we may immediately end your ING overdraft and claim the outstanding debt. The negative balance on your current account is an overrun. You pay the same interest rate on this amount as for ING overdraft.
"}},{"title":"What if I use more than my overdraft limit?","richBody":{"value":"You are then overdrawn without permission. We will end your ING overdraft if you have not had a positive balance for at least 24 hours within 1 month. For example, you have a limit of €500 but you are €550 overdrawn. Then you have 1 month to return within your limit of €500.
Overdrawing without permission can result in a negative BKR registration. Read more about this on BKR registration and borrowing.
"}}]},{"componentType":"sectionTitle","title":"Closing ING overdraft (for students)"},{"componentType":"paragraph","richBody":{"value":"Do you no longer want to use ING overdraft (for students)? You can easily stop it yourself in the ING App: