{"type":"document","data":{"contentType":"onecms:subCategoryPage","flexPageMetadata":{"afmBanner":false,"description":"Use the app to open your first current account and savings account today.","robotInstruction":{"noFollow":true,"noIndex":true}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Open your first account at ING"},{"componentType":"paragraph","richBody":{"value":"<p>It’s easy to start banking at ING. Just open an account – it takes only 10 minutes with the ING app.</p>"}},{"componentType":"feature","featureName":"ing-feat-device-specific-app-download?__align=full-width"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/68883b26b754a25/original/Portrait-of-young-woman-standing.jpg","transformBaseUrl":"https://assets.ing.com/transform/329ea325-c965-49fd-9a23-61b1fe3cb62f/Portrait-of-young-woman-standing","type":"image","width":3685},"intro":"An account for yourself. Comes with a debit card and the ING app for all your banking needs.","link":{"url":"/en/personal/payments/bank-accounts/open-an-account"},"title":"Current account"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/7eb039ee2c0df169/original/Two-women-standing-next-to-a-waterfall-while-embracing-each-other-and-screaming-with-happiness.jpg","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},"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.","link":{"url":"/en/personal/payments/bank-accounts/open-a-joint-account"},"title":"Joint account"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/4d3982d2e7920957/original/Two-male-friends-in-ponchos-jumping-in-the-air.jpg","transformBaseUrl":"https://assets.ing.com/transform/dd3e72f0-2dd9-4b9d-9ad8-9031924dd4f8/Two-male-friends-in-ponchos-jumping-in-the-air","type":"image","width":5197},"intro":"An account for students from age 18 for exactly €0 per month. Comes with a debit card, ING app and attractive extras.","link":{"url":"/en/personal/payments/bank-accounts/student-account"},"title":"Student account"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"The advantages of ING"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Pay the way you want</strong><br />With your phone, your Garmin watch or with your debit card – contactless too! You decide.</p><ul><li><strong>See your spending in the past and in the future</strong><br />With Insight, you can see where your money goes every month. With Look Ahead, you can see what expenses – and income – are coming up.</li><li><strong>One app for all your banking needs</strong><br />From transferring money to making payment requests and saving automatically: your bank is literally in your hand.</li></ul>"}},{"componentType":"sectionTitle","title":"What it costs"},{"accordionList":[{"richBody":{"value":"<p>When openen a current account, you&apos;ll need to select an ING Plan. You can always change your plan after opening. </p><p> </p><table><thead><tr><th /><th>ING Go</th><th>ING More</th><th>ING Extra</th><th>ING Max</th></tr><tr><td> </td><td>Everything you need for daily banking.</td><td>For extra ease and peace of mind.</td><td>Everything sorted with added perks.</td><td>Maximum ease and value.</td></tr></thead><tbody><tr><td><strong>Fixed costs</strong></td><td> </td><td><strong> </strong></td><td> </td><td> </td></tr><tr><td>Costs per month for a current account</td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span>%{prijs.btp:ING_GoENG.Abfee_maand.eur}%</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span>%{prijs.btp:ING_MoreENG.Abfee_maand.eur}%</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span>%{prijs.btp:ING_ExtraENG.Abfee_maand.eur}%</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span>%{prijs.btp:ING_MaxENG.Abfee_maand.eur}%</span></span></span></span></span></span></td></tr><tr><td><strong>What is included?</strong></td><td> </td><td> </td><td> </td><td> </td></tr><tr><td>Debit card, Mobile payments, ING App, ING Points, Orange Savings Accounts</td><td>Yes</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Including costs second account holder</p></td><td>€ 1.20 per month</td><td>Included</td><td>Included</td><td>Included</td></tr><tr><td>Replace debit card once a year for free (normally €4.50)</td><td>No</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Free euro withdrawals</p></td><td>Yes</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Free euro banknote deposits per year (normally €6.00 per deposit)</p></td><td>2 times</td><td>4 times</td><td>4 times</td><td>4 times</td></tr><tr><td><p>Emergency cash abroad (maximum amount)</p></td><td>Up to €2,000</td><td>Up to €5,000</td><td>Up to €5,000</td><td>Up to €5,000</td></tr><tr><td><p>ING Points</p></td><td>Standard</td><td>10% more</td><td>20% more</td><td>30% more</td></tr><tr><td><p>Discount on the service fee of Easy Invest and/or Self Invest up to an invested amount of €25,000</p></td><td>No</td><td>10%</td><td>15%</td><td>20% (also for investments in the name of minor children for whom you are authorised)</td></tr><tr><td><p>Discount on the service fee of Portfolio Management up to an invested amount of €25,000</p></td><td>No</td><td>No</td><td>No</td><td><p>20% (also for investments in the name of minor children for whom you are authorised)</p></td></tr><tr><td><p>Your personal financial plan with an advisor</p></td><td>No</td><td>No</td><td>No</td><td>Yes</td></tr><tr><td><p>1.00% extra savings interest on the Orange Savings Account up to €10,000</p></td><td>Regular</td><td>Regular</td><td>+ € 0,50%</td><td>+ € 1,00%</td></tr><tr><td>Creditcard</td><td><p>Not included. Optional: ING Credit Card More € 2.00 p.m. or ING Credit Card Extra € 4.35 p.m.</p></td><td><p>ING Credit Card More included. Optional: ING Credit Card Extra € 2.18 p.m. (50% disccount)</p></td><td><p>ING Credit Card Extra included</p></td><td><p>ING Credit Card Max (metal): € 10 p.m. Cost of replacement: € 50</p></td></tr><tr><td><p>2nd creditcard (partner card)</p></td><td><p>ING Credit Card More: € 1.25 p.m. ING Credit Card Extra: € 2.60 p.m.</p></td><td><p>ING Credit Card More: € 1.25 p.m. ING Credit Card Extra: € 2.60 p.m.</p></td><td><p>ING Creditcard Extra: € 2.60 p.m.</p></td><td><p>ING Credit Card Max (metal): € 10 p.m. Cost of replacement: € 50</p></td></tr><tr><td><p>Emergency home assistence</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Purchase protection when paying with debit card or iDEAL/Wero: up to 45 days and up to €500 per event</p></td><td>No</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Cyber protection: 24/7 cyber support &amp; identity theft</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>ATM theft protection: Compensation if withdrawn cash is stolen</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Travel protection</p></td><td>No</td><td>No</td><td><p>Includes cover for emergency medical assistance, trip delay and cancellation, baggage delay and loss, car hire excess</p></td><td><p>Includes cover for emergency medical assistance, trip delay and cancellation, baggage delay and loss, car hire excess and winter sports</p></td></tr><tr><td>Streaming services</td><td>No</td><td>No</td><td><p>Amazon Prime: Streaming and free delivery</p></td><td><p>Disney+ Standaard: Streaming</p></td></tr><tr><td><p>Customer service</p></td><td>Standard</td><td>Standard</td><td><p>Plus: Call us from the app and get priority with our phone support</p></td><td><p>Plus: Call us from the app and get priority with our phone support</p></td></tr></tbody></table>"},"title":"Costs per month for a current account"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"<p>When openen a joint account, you&apos;ll need to select an ING Plan. You can always change your plan after opening. </p><p> </p><table><thead><tr><th /><th>ING Go</th><th>ING More</th><th>ING Extra</th><th>ING Max</th></tr><tr><td> </td><td>Everything you need for daily banking.</td><td>For extra ease and peace of mind.</td><td>Everything sorted with added perks.</td><td>Maximum ease and value.</td></tr></thead><tbody><tr><td><strong>Fixed costs</strong></td><td> </td><td><strong> </strong></td><td> </td><td> </td></tr><tr><td>Costs per month for a joint account</td><td style=\"vertical-align:bottom\">%{prijs.btp:OranjePakket_Extra_ING_BetaalpasENG.trans_fee.standaard.eur}%</td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span>%{prijs.btp:ING_MoreENG.Abfee_maand.eur}%</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span>%{prijs.btp:ING_ExtraENG.Abfee_maand.eur}%</span></span></span></span></span></span></td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span>%{prijs.btp:ING_MaxENG.Abfee_maand.eur}%</span></span></span></span></span></span></td></tr><tr><td><strong>What is included?</strong></td><td> </td><td> </td><td> </td><td> </td></tr><tr><td>Debit card, Mobile payments, ING App, ING Points, Orange Savings Accounts</td><td>Yes</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td>Replace debit card once a year for free (normally €4.50)</td><td>No</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Free euro withdrawals</p></td><td>Yes</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Free euro banknote deposits per year (normally €6.00 per deposit)</p></td><td>2 times</td><td>4 times</td><td>4 times</td><td>4 times</td></tr><tr><td><p>Emergency cash abroad (maximum amount)</p></td><td>Up to €2,000</td><td>Up to €5,000</td><td>Up to €5,000</td><td>Up to €5,000</td></tr><tr><td><p>ING Points</p></td><td>Standard</td><td>10% more</td><td>20% more</td><td>30% more</td></tr><tr><td><p>Discount on the service fee of Easy Invest and/or Self Invest up to an invested amount of €25,000</p></td><td>No</td><td>10%</td><td>15%</td><td>20% (also for investments in the name of minor children for whom you are authorised)</td></tr><tr><td><p>Discount on the service fee of Portfolio Management up to an invested amount of €25,000</p></td><td>No</td><td>No</td><td>No</td><td><p>20% (also for investments in the name of minor children for whom you are authorised)</p></td></tr><tr><td><p>Your personal financial plan with an advisor</p></td><td>No</td><td>No</td><td>No</td><td>Yes</td></tr><tr><td><p>1.00% extra savings interest on the Orange Savings Account up to €10,000</p></td><td>Regular</td><td>Regular</td><td>+ € 0,50%</td><td>+ € 1,00%</td></tr><tr><td>Creditcard</td><td><p>Not included. Optional: ING Credit Card More € 2.00 p.m. or ING Credit Card Extra € 4.35 p.m.</p></td><td><p>ING Credit Card More included. Optional: ING Credit Card Extra € 2.18 p.m. (50% disccount)</p></td><td><p>ING Credit Card Extra included</p></td><td><p>ING Credit Card Max (metal): € 10 p.m. Cost of replacement: € 50</p></td></tr><tr><td><p>2nd creditcard (partner card)</p></td><td><p>ING Credit Card More: € 1.25 p.m. ING Credit Card Extra: € 2.60 p.m.</p></td><td><p>ING Credit Card More: € 1.25 p.m. ING Credit Card Extra: € 2.60 p.m.</p></td><td><p>ING Creditcard Extra: € 2.60 p.m.</p></td><td><p>ING Credit Card Max (metal): € 10 p.m. Cost of replacement: € 50</p></td></tr><tr><td><p>Emergency home assistence</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Purchase protection when paying with debit card or iDEAL/Wero: up to 45 days and up to €500 per event</p></td><td>No</td><td>Yes</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Cyber protection: 24/7 cyber support &amp; identity theft</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>ATM theft protection: Compensation if withdrawn cash is stolen</p></td><td>No</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td><p>Travel protection</p></td><td>No</td><td>No</td><td><p>Includes cover for emergency medical assistance, trip delay and cancellation, baggage delay and loss, car hire excess</p></td><td><p>Includes cover for emergency medical assistance, trip delay and cancellation, baggage delay and loss, car hire excess and winter sports</p></td></tr><tr><td>Streaming services</td><td>No</td><td>No</td><td><p>Amazon Prime: Streaming and free delivery</p></td><td><p>Disney+ Standaard: Streaming</p></td></tr><tr><td><p>Customer service</p></td><td>Standard</td><td>Standard</td><td><p>Plus: Call us from the app and get priority with our phone support</p></td><td><p>Plus: Call us from the app and get priority with our phone support</p></td></tr></tbody></table>"},"title":"Costs per month for a joint account"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Comes with a free savings account"},{"componentType":"paragraph","richBody":{"value":"<p>When you open your first account at ING, you automatically receive a free savings account with a variable interest rate.</p>"}},{"alignedImage":{"position":"left","altTextEN":"Screenshot: Savings account in ING App","altTextNL":"Screenshot: Spaarrekening in ING App","extension":"jpeg","original":"https://assets.ing.com/m/7f39093a7337ae1f/original/ING-app-Spaardoel-cropped.jpeg","transformBaseUrl":"https://assets.ing.com/transform/6f7509ff-fc93-48b7-ad2f-ca21e9f7271b/ING-app-Spaardoel-cropped"},"componentType":"paragraph","richBody":{"value":"<ul><li><strong>Create up to 10 different saving goals</strong><br />Such as for a holiday or a new washing machine. Use the app to see whether you’re on schedule.</li><li><strong>Automatically put money aside</strong><br />Such as every month when you receive your salary – and you’re automatically on the way to your saving goals.</li><li><strong>Save as you pay</strong><br />With <strong>Round up &amp; Save</strong>, you automatically save whenever you pay in a shop or pay online with iDEAL. Every payment that you make will be rounded up, and the difference will be deposited in your savings account the next day.</li></ul>"},"textLinks":[{"text":"More about an ING savings account","url":"/particulier/sparen/oranje-spaarrekening"}]},{"componentType":"sectionTitle","title":"Open an account in a couple of steps"},{"body":"To open an account together if neither of you is an ING customer yet, please schedule an appointment at an ING branch or service point in your neighbourhood.","componentType":"applicationProcess","steps":{"stepList":[{"body":"In the App Store of Play Store","title":"Download the app"},{"body":"In the app, select a current account, joint account or student account, answer some questions and confirm your identity with your ID.","title":"Choose your type of account and enter your details"},{"body":"You can choose from a range of plans. You don’t need to choose a plan when you open a student account.","title":"Choose your plan"},{"list":["Start using your account straight away","Immediate access to the ING app and mobile payments","You’ll receive your debit card within five business days"],"title":"Done!"}]}},{"componentType":"feature","featureName":"ing-feat-device-specific-app-download?__align=full-width"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"<p>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.</p>"},"title":"Can you have an account at two banks?"},{"richBody":{"value":"<p>Yes, at ING you can open your account completely online. Download the app in the App Store or Play Store. You&apos;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.</p>"},"title":"Can you open a bank account online?"},{"richBody":{"value":"<p>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.</p>"},"title":"How much time does it take to open an account?"},{"richBody":{"value":"<p>You can open a current account straight away if you:</p><ul><li>Are at least 18 years old</li><li>Have an Android smartphone or an iPhone 7 or newer</li><li>Have a valid Dutch or European passport or ID card, a Dutch residence permit (temporary or permanent) or W-card.</li><li>Have a Dutch address or are listed in the Register of Non-Residents (RNI)</li></ul><p>If you’re opening a joint account, you’ll also need: </p><ul><li>Your joint account holder must already be an ING customer. You as the new customer will open the joint account by using the app.</li><li>Both of you must be at least 18 years old</li></ul>"},"title":"What do you need to open a current account?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Go to"},"textLinks":[{"text":"Open a current account","url":"/en/personal/payments/bank-accounts/open-an-account"},{"text":"Current account for Ukrainian Citizens"},{"text":"Current account for your child","url":"/en/personal/children"}]},{"componentType":"linkList","iconTitle":{"title":"Other information and terms and conditions"},"textLinks":[{"text":"Summary of costs and charges for ING payment products for personal customers","url":"https://assets.ing.com/m/168b84ce21aa46c9/original/ING_Summary-of-costs-and-charges-for-ING-payment-products-for-personal-customers.pdf"},{"text":"Terms and Conditions and other regulations for private account holders","url":"https://assets.ing.com/m/1a5ac987b499360/original/ING_Terms-and-Conditions-and-other-regulations.pdf"},{"text":"Payments in Europe (PDF)","url":"https://assets.ing.com/m/5b1046bfda524d18/original/Uw-rechten-bij-het-doen-van-betaling-in-Europa.pdf"},{"text":"Compare payment services","url":"/particulier/betalen/tarieven/vergelijking-betaaldiensten"},{"text":"Money in these accounts is legally protected under the Dutch Deposit Guarantee","url":"/particulier/sparen/depositogarantiestelsel"}]}]},"hasMacro":true,"id":"883be2eb-2284-45ae-882f-23559a4d3e4f","localeString":"en-GB","macros":["prijs.btp:ING_GoENG.Abfee_maand.eur","prijs.btp:ING_MoreENG.Abfee_maand.eur","prijs.btp:ING_ExtraENG.Abfee_maand.eur","prijs.btp:ING_MaxENG.Abfee_maand.eur","prijs.btp:OranjePakket_Extra_ING_BetaalpasENG.trans_fee.standaard.eur"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Open a bank account online","url":"/en/personal/payments/bank-accounts"}},"componentType":"categoryHeader","coreHeader":{"title":"Become a customer"}},"publishDate":"2026-06-10T03:51:01.957+02:00"}}