{"type":"document","data":{"id":"0dba436f-1765-4462-9a12-cdf1088ae079","localeString":"en-GB","publishDate":"2026-03-11T16:59:00.250+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Find out how you can easily meet the 4 conditions to maintain a 0.25% active current account interest discount on your ING mortgage."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Do you want to keep the 0.25% Active Current Account discount on your mortgage interest? Then make sure you meet the following 4 requirements. Check what you need to do.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/74b154ec-0529-4fef-82b6-c2ba63be6562/Starters","type":"image","width":8192,"original":"https://assets.ing.com/m/a7882f482b4a98e/original/Starters.jpg","extension":"jpg"},"title":"How to meet the conditions for a 0.25% interest discount","subtitle":"Arranged easily and fast"},"backLink":{"textLink":{"url":"/en/personal/mortgage/current-mortgage-rates","text":"Current mortgage rates"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Condition 1"},{"componentType":"paragraph","richBody":{"value":"<p><span><span>You have a personal current account with ING for which you pay costs and from which we debit your monthly mortgage amount. The discount does not apply to business accounts at ING.</span></span></p>"}},{"componentType":"accordion","accordionList":[{"title":"How to meet this condition","richBody":{"value":"<p><strong><span><span>Do you already have an ING personal current account?</span></span></strong></p><p><span><span><a href=\"http://mijn.ing.nl/banking/mortgages/change-account?flow-step=step-intro\">Just tell us </a>from which ING personal current account we can debit your mortgage payment.</span></span></p><p><strong><span><span>Don&apos;t have an ING personal current account yet?</span></span> </strong></p><p><span><span>Follow these steps:</span></span></p><ul><li>Simply <a data-type=\"internal\" href=\"/en/personal/payments/bank-accounts\">open an ING current account</a>: arranged within a few minutes and activated directly.</li><li><span><span><a href=\"https://mijn.ing.nl/banking/mortgages/change-account?flow-step=step-intro\">Inform us</a> that we can debit your mortgage payment from this current account.</span></span></li></ul>"}}]},{"componentType":"sectionTitle","title":"Condition 2"},{"componentType":"paragraph","richBody":{"value":"<p><span><span>Ensure that your (monthly) income is deposited to (one of) your ING current accounts. For example your salary, business income or pension income.</span></span></p>"}},{"componentType":"accordion","accordionList":[{"title":"How to meet this condition","richBody":{"value":"<p><span><span>Do you now recieve your income at an account at another bank, for example? Then change this straight away with your employer. One call or email usually does the trick.</span></span></p><p><span><span>Tip: Request the <a data-type=\"internal\" href=\"/en/personal/payments/switch-to-ing\">Switch Service</a> and we will ensure that the automatic direct debits of your account at the other bank move to your ING Current account.  Convenient, right?</span></span></p>"}}]},{"componentType":"sectionTitle","title":"Condition 3"},{"componentType":"paragraph","richBody":{"value":"<p><span><span>You use My ING or the ING app for your banking.</span></span></p>"}},{"componentType":"accordion","accordionList":[{"title":"How to meet this condition","richBody":{"value":"<p><span><span>Do you have an ING personal current account? Then you can use My ING and the ING app straight away. Did you know that already 6 million customers easily arrange their finances via our app?</span></span></p><p><a data-type=\"internal\" href=\"/en/personal/digital-banking/app/download-and-activate\"><span><span>Download and activate the ING App</span></span></a></p><p><a data-type=\"internal\" href=\"/en/personal/digital-banking/app/advantages\"><span><span>Advantages of Mobile Banking</span></span></a></p>"}}]},{"componentType":"sectionTitle","title":"Condition 4"},{"componentType":"paragraph","richBody":{"value":"<p><span><span>The discount applies if you actively use the ING personal current account. This means a minimum of 10 payments done and/or received per month. This can be pin transactions, cash withdrawals or transfers, for example.</span></span></p>"}},{"componentType":"accordion","accordionList":[{"title":"How to meet this condition","richBody":{"value":"<p><span><span>Tip: Request the <a data-type=\"internal\" href=\"/en/personal/payments/rates/switch-to-ing\">Switch Service</a> and we will ensure that the automatic direct debits of your account at the other bank move to your ING Current account.  Convenient, right?</span></span></p>"}}]},{"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 customer&apos;s 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>"}}]}}}