It’s easy to start banking at ING. Just open an account – it takes only 10 minutes with the ING app.
"}},{"componentType":"feature","featureName":"ing-feat-device-specific-app-download"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Current account","intro":"An account for yourself. Comes with a debit card and the ING app for all your banking needs.","image":{"transformBaseUrl":"https://assets.ing.com/transform/329ea325-c965-49fd-9a23-61b1fe3cb62f/Portrait-of-young-woman-standing","type":"image","width":3685,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/68883b26b754a25/original/Portrait-of-young-woman-standing.jpg","extension":"jpg"},"link":{"url":"/en/personal/payments/bank-accounts/open-an-account"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Joint account","intro":"An account for the two of you. You each get your own debit card and can access your joint account in your own app.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7c9e3e9d-3d26-4b0e-9b9a-f486e79c5698/Two-women-standing-next-to-a-waterfall-while-embracing-each-other-and-screaming-with-happiness","type":"image","width":4928,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/7eb039ee2c0df169/original/Two-women-standing-next-to-a-waterfall-while-embracing-each-other-and-screaming-with-happiness.jpg","extension":"jpg"},"link":{"url":"/en/personal/payments/bank-accounts/open-a-joint-account"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Student account","intro":"An account for students from age 18 for exactly €0 per month. Comes with a debit card, ING app and attractive extras.","image":{"transformBaseUrl":"https://assets.ing.com/transform/dd3e72f0-2dd9-4b9d-9ad8-9031924dd4f8/Two-male-friends-in-ponchos-jumping-in-the-air","type":"image","width":5197,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4d3982d2e7920957/original/Two-male-friends-in-ponchos-jumping-in-the-air.jpg","extension":"jpg"},"link":{"url":"/en/personal/payments/bank-accounts/student-account"}}]},{"componentType":"sectionTitle","title":"The advantages of ING"},{"componentType":"paragraph","richBody":{"value":"Pay the way you want
With your phone, your Garmin watch or with your debit card – contactless too! You decide.
Your current account and/or joint account is part of a package. You can choose between an orange package and an orange package with discount. And if you change your mind, you can switch packages every month.
| Orange package | Orange package with discount | |||
|---|---|---|---|---|
| Monthly package fees | € 3,90 | € 3,45 | ||
| Second account holder for a joint account | € 1,10 | € 1,10 | ||
| Variable fees | ||||
| How many times a year you can deposit banknotes for free. After that, each additional deposit costs €6.00. It always costs €6.00 to deposit coins. | 2 times | 0 times | ||
| Withdrawals in euros from an ATM in the Netherlands and other EER countries using your debit card(s) (per withdrawal) | €0,00 | €0,80 | ||
| Other | ||||
| Paper services (separate fee for using this option) | Yes | No |
On January 1st, 2025, the rates of our payment packages change. Learn more on ing.nl/changes-january-2025.
The variable fees apply to the cash transactions that you make with both of your debit cards. For example, you can deposit banknotes twice a year for free with an orange package – not twice a year per debit card. See the summary of costs and charges at the bottom of this page for more information.
"}},{"title":"Student account fees and charges","richBody":{"value":"A student account is free. There’s no monthly fee, but sometimes you might have to pay to use your account. For instance, if you withdraw money for the 13th time in a calendar year, you’ll pay €0.80 per withdrawal from that point on. Outside EER countries, cash withdrawals are always subject to a fee. And if you want to receive paper statements and use transfer forms in addition to doing your banking online, you’ll be charged for that too.
For the extra charges and when you’ll pay them, see the Summary of costs and charges for student accounts and Summary of costs and charges for ING payment products for personal customers.
"}}]},{"componentType":"sectionTitle","title":"Comes with a free savings account"},{"componentType":"paragraph","richBody":{"value":"When you open your first account at ING, you automatically receive a free savings account with a variable interest rate.
"}},{"componentType":"paragraph","richBody":{"value":"Yes, you can have an account at more than one bank. Did you know that, at ING, you can open a maximum of three current accounts in your own name? So if you already have an ING current account, you can open two more. For instance, one extra account in your own name and another one with a joint account holder.
"}},{"title":"Can you open a bank account online?","richBody":{"value":"Yes, at ING you can open your account completely online. Download the app in the App Store or Play Store. You'll need a valid Dutch or European passport or ID card, a Dutch residence permit (temporary or permanent) or W-card. You can start using your account straight away.
"}},{"title":"How much time does it take to open an account?","richBody":{"value":"At ING, you can open an account in minutes. Download the app in the App Store or Play Store. You can use your account straight away.
"}},{"title":"What do you need to open a current account?","richBody":{"value":"You can open a current account straight away if you:
If you’re opening a joint account, you’ll also need: