{"type":"document","data":{"id":"73aca583-edd9-4d86-9374-66b6793f7abe","localeString":"en-GB","publishDate":"2026-04-13T16:00:01.915+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Discount on your mortgage interest rate with an Active payment discount. At ING, you receive a discount on your mortgage if you are an active customer."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Do you use your ING current account regularly? Or will you be doing so soon? If so, we are pleased to offer you a discount on your mortgage interest rate: the Active Payment Discount. You will receive this discount as long as you meet the following conditions.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/5d3f5036-bfeb-4351-bec0-c381c8adc3ba/homebank-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/5d0f9f69de0e3d57/original/homebank-1920.jpg","extension":"jpg"},"title":"Active Payment Discount"},"backLink":{"textLink":{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Conditions for a discount on your mortgage interest rate"},{"componentType":"paragraph","richBody":{"value":"<ul><li>You have a current account with ING for which you pay fees, and from which we debit your <a href=\"https://www.ing.nl/particulier/hypotheek/actuele-hypotheekrente\">mortgage interest</a>. The discount does not apply to business accounts with ING.</li><li>You ensure that your income is paid into one or more of your ING current accounts. This could include income from your salary, business or pension.</li><li>You use My ING and/or the ING App.</li><li>The number of deposits and/or withdrawals from your ING current account(s) must be at least 10 per month in total. This could include debit card transactions, cash withdrawals or transfers. </li></ul>"}},{"componentType":"sectionTitle","title":"Good to know about the Active Payment Discount"},{"componentType":"paragraph","richBody":{"value":"<ul><li>You will receive the discount from the start of your mortgage or when a new fixed rate period starts. The discount applies during the agreed fixed rate period for the relevant part of the loan.</li><li>You can only apply for the Active Payment Discount when taking out a new mortgage or at the start of a new fixed rate period.</li><li>You may lose the discount during the fixed rate period if you no longer meet the conditions. This means that you will no longer be able to use the Active Payment Discount for the remainder of the fixed rate period, even if you do meet the conditions again. Please note that your interest rate will increase in that case.</li><li>This discount is not available for loans with variable interest rates, loan parts that are transferred 1-to-1 under the ING Transfer Scheme (if you have an Active Payment Discount, this may be transferred 1-to-1 to a subsequent mortgage under the Transfer Scheme) and for a bridging mortgage.</li><li>With our free switch service, we can help you meet the above conditions.</li></ul>"},"textLinks":[{"url":"/en/personal/payments/switch-to-ing","text":"Switch to ING"}]},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"/en/personal/expats/mortgages/mortgage-step-by-step","text":"Mortgage step by step"},{"url":"/en/personal/mortgage/mortgage-advice","text":"Mortgage advice in English"},{"url":"/en/personal/mortgage/contact","text":"Plan orientation meeting"},{"url":"/en/personal/mortgage/mortgage-types","text":"Mortgage types"},{"url":"/en/personal/mortgage/mortgage-calculator","text":"Calculate your maximum mortgage"},{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"},{"url":"/en/personal/mortgage/advisory-fees","text":"Advisory fees"},{"url":"/en/personal/mortgage/property-services","text":"Property services"}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Good to know","richBody":{"value":"<p>The English text of the website is a translation of the Dutch original version. This translation is intended for the customers convenience only. In case of any discrepancies between the two versions, the original Dutch version shall prevail. The mortgage offer and contract will be signed in Dutch. Also, all further communication after signing the mortgage contract will be in Dutch. You acknowledge and accept this. If any assistance or clarification is needed, we recommend contacting your mortgage advisor or to call our customer service via the ING app.</p>"}}]}}}