Both already ING customers
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/87de17753527870/original/Devices-Mobile_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/e11b948e-a347-41d9-a25f-8a070310b9b3/Devices-Mobile_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"Is your (future) co-account holder not yet an ING customer? Have them follow the steps below:
Done!
One of you is ING customer
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/2050bd366329d143/original/Persons-Person_At_Desk_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/d7d8e226-2676-40af-b3c1-e8c201ff9aa6/Persons-Person_At_Desk_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"To open a joint account as new ING customers, you need to schedule an appointment at an ING branch or ING Service Point. You can easily do this via this link.
"},"title":"How to open a joint account at ING if neither of you is a customer yet"}],"title":{"value":"Both new to ING
"}}],"componentType":"actionAccordion"},{"componentType":"feature","featureName":"ing-feat-device-specific-app-download?__align=full-width"},{"componentType":"sectionTitle","title":"What does a Joint Account cost?"},{"alignedImage":{"position":"right"},"componentType":"paragraph","richBody":{"value":"A joint account is part of a plan: ING Go, ING More, ING Extra or ING Max. For ING Go you pay the plan fee plus the cost for a second account holder. So, a joint account starts at %{prijs.btp:OranjePakket_Extra_ING_BetaalpasENG.trans_fee.standaard.eur}% per month.
"}},{"accordionList":[{"richBody":{"value":"When openen a joint account, you'll need to select an ING Plan. You can always change your plan after opening.
| ING Go | ING More | ING Extra | ING Max | |
|---|---|---|---|---|
| Everything you need for daily banking. | For extra ease and peace of mind. | Everything sorted with added perks. | Maximum ease and value. | |
| Fixed costs | ||||
| Costs per month for a joint account | %{prijs.btp:OranjePakket_Extra_ING_BetaalpasENG.trans_fee.standaard.eur}% | %{prijs.btp:ING_MoreENG.Abfee_maand.eur}% | %{prijs.btp:ING_ExtraENG.Abfee_maand.eur}% | %{prijs.btp:ING_MaxENG.Abfee_maand.eur}% |
| What is included? | ||||
| Debit card, Mobile payments, ING App, ING Points, Orange Savings Accounts | Yes | Yes | Yes | Yes |
| Replace debit card once a year for free (normally €4.50) | No | Yes | Yes | Yes |
Free euro withdrawals | Yes | Yes | Yes | Yes |
Free euro banknote deposits per year (normally €6.00 per deposit) | 2 times | 4 times | 4 times | 4 times |
Emergency cash abroad (maximum amount) | Up to €2,000 | Up to €5,000 | Up to €5,000 | Up to €5,000 |
ING Points | Standard | 10% more | 20% more | 30% more |
Discount on the service fee of Easy Invest and/or Self Invest up to an invested amount of €25,000 | No | 10% | 15% | 20% (also for investments in the name of minor children for whom you are authorised) |
Discount on the service fee of Portfolio Management up to an invested amount of €25,000 | No | No | No | 20% (also for investments in the name of minor children for whom you are authorised) |
Your personal financial plan with an advisor | No | No | No | Yes |
1.00% extra savings interest on the Orange Savings Account up to €10,000 | Regular | Regular | + € 0,50% | + € 1,00% |
| Creditcard | Not included. Optional: ING Credit Card More € 2.00 p.m. or ING Credit Card Extra € 4.35 p.m. | ING Credit Card More included. Optional: ING Credit Card Extra € 2.18 p.m. (50% disccount) | ING Credit Card Extra included | ING Credit Card Max (metal): € 10 p.m. Cost of replacement: € 50 |
2nd creditcard (partner card) | ING Credit Card More: € 1.25 p.m. ING Credit Card Extra: € 2.60 p.m. | ING Credit Card More: € 1.25 p.m. ING Credit Card Extra: € 2.60 p.m. | ING Creditcard Extra: € 2.60 p.m. | ING Credit Card Max (metal): € 10 p.m. Cost of replacement: € 50 |
Emergency home assistence | No | No | Yes | Yes |
Purchase protection when paying with debit card or iDEAL/Wero: up to 45 days and up to €500 per event | No | Yes | Yes | Yes |
Cyber protection: 24/7 cyber support & identity theft | No | No | Yes | Yes |
ATM theft protection: Compensation if withdrawn cash is stolen | No | No | Yes | Yes |
Travel protection | No | No | Includes cover for emergency medical assistance, trip delay and cancellation, baggage delay and loss, car hire excess | Includes cover for emergency medical assistance, trip delay and cancellation, baggage delay and loss, car hire excess and winter sports |
| Streaming services | No | No | Amazon Prime: Streaming and free delivery | Disney+ Standaard: Streaming |
Customer service | Standard | Standard | Plus: Call us from the app and get priority with our phone support | Plus: Call us from the app and get priority with our phone support |
With our Joint Account, you can manage your banking from one account. Both of you can pay for shared expenses.
Is this your first Joint Account at ING? We’ll immediately open a free Orange Savings Account for you. You don’t need to do anything for that.
"}},{"componentType":"appPromoter","featureSlideList":[{"body":"Big expense coming up? With Look Ahead, you can see which fixed income and expenses are still ahead. No surprises for you, just peace of mind.","image":{"extension":"png","original":"https://assets.ing.com/m/6283eaa5e3d62b75/original/Kijk-vooruit_ENG.png","transformBaseUrl":"https://assets.ing.com/transform/e6d1d9ef-6a72-41dd-b88e-92c369876bf9/Kijk-vooruit_ENG","type":"image","width":780},"title":"Take a look into the future"},{"body":"The Insight tool categorises your expenses, making it easier to see where you spend your money each month.","image":{"extension":"png","original":"https://assets.ing.com/m/2e78f7409e631c93/original/Insight-ENG.png","transformBaseUrl":"https://assets.ing.com/transform/5870b3ac-d159-475a-8edd-ac8bae1419db/Insight-ENG","type":"image","width":750},"title":"Make conscious choices with Insights"},{"body":"With your smartphone or smartwatch (via Apple Pay, Google Pay, or Garmin Pay), with your debit card, or in cash.","image":{"extension":"png","original":"https://assets.ing.com/m/24b984b8bdca9389/original/Mobile-payment-ENG.png","transformBaseUrl":"https://assets.ing.com/transform/2e2ad4ab-563c-4d97-8051-d86ef54516e6/Mobile-payment-ENG","type":"image","width":1080},"title":"Pay as you like"},{"body":"Create up to 10 separate savings pots (e.g., for a holiday or a new washing machine). Set money aside automatically or save while you pay with Round Up & Save.","image":{"extension":"png","original":"https://assets.ing.com/m/60dfd790f9a3e222/original/Spaarrekening_ENG.png","transformBaseUrl":"https://assets.ing.com/transform/149d892f-d570-4a1e-a029-7d0551aef01f/Spaarrekening_ENG","type":"image","width":750},"link":{"text":"More about the Orange Savings Account","url":"/en/personal/savings/savings-account"},"title":"Savings Account included"},{"body":"Paid on behalf of someone? Automatically split a payment into separate payment requests. That way, you have more time for the things you enjoy.","image":{"extension":"png","original":"https://assets.ing.com/m/5c434311a0dbc3ed/original/Overview_ENG_Joint-account.png","transformBaseUrl":"https://assets.ing.com/transform/199f874b-0eb6-47ca-ace8-f7e45477af24/Overview_ENG_Joint-account","type":"image","width":750},"title":"Easily request a fund"}]},{"componentType":"sectionTitle","title":"Take a look into the ING App"},{"componentType":"feature","featureName":"ing-feat-device-specific-app-download?__align=full-width"},{"alignedImage":{"position":"left"},"componentType":"paragraph","richBody":{"value":"Reach out to our customer helpdesk if you need more help opening a Joint Account.
"},"title":"Need help?"},{"componentType":"sectionTitle","title":"Frequently asked questions about the Joint Account"},{"accordionList":[{"richBody":{"value":"With our Joint Account, you manage your finances from one account. You can both pay for joint expenses.
Prefer to give someone access to an ING payment account? Then there are two options: You can add a person as a second account holder on your Payment Account, turning it into a joint account. Another way to give someone access and (partial) control over your account is by granting authorization.
"},"textLinks":[{"text":"Read more","url":"/en/personal/customer-service/joint-account-or-authorisation"}],"title":"What is the difference between adding or authorizing someone to my current account?"},{"richBody":{"value":"You can open up to 3 Payment Accounts in your own name. So if you already have one Current Account, you can still open 2 more. For example, one additional account in your own name and one with a co-account holder.
"},"title":"How many ING Accounts can I have?"},{"richBody":{"value":"Enter your partner’s last name as it appears on the debit card. If your partner is next to you, you can also use the QR code. Still not working? Then contact Customer Service and ask for an agent.
"},"title":"I can't find my co-account holder to open the Joint Account?"},{"richBody":{"value":"Yes, you can already do this after one day.
"},"textLinks":[{"text":"More information","url":"/en/personal/plans/4-compare-plans"}],"title":"Can we change our plan at a later stage?"},{"richBody":{"value":"In the ING App, you can easily check whether your Current Account is in one or two names. Select the relevant Current Account in your overview. If two names are shown, then you share a joint account with this person
"},"title":"How do I see if I have a Joint Account?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Charges and conditions"},"textLinks":[{"text":"ING may charge interest on the joint current account (Dutch)","url":"/particulier/betalen/tarieven/renteberekening-op-je-betaalrekening"},{"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":"Making payments in Europe (pdf) (Dutch)","url":"https://assets.ing.com/m/5b1046bfda524d18/original/Uw-rechten-bij-het-doen-van-betaling-in-Europa.pdf"},{"text":"Payment services compared (Dutch)","url":"/particulier/betalen/tarieven/vergelijking-betaaldiensten"},{"text":"Your credit balance in this account is legally protected by the Dutch Deposit Guarantee (Dutch)","url":"/particulier/sparen/depositogarantiestelsel"}]}]},"hasMacro":true,"id":"f9cd8d0f-fe89-4b42-a9b0-ebff163c732c","localeString":"en-GB","macros":["prijs.btp:OranjePakket_Extra_ING_BetaalpasENG.trans_fee.standaard.eur","prijs.btp:ING_MoreENG.Abfee_maand.eur","prijs.btp:ING_ExtraENG.Abfee_maand.eur","prijs.btp:ING_MaxENG.Abfee_maand.eur"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Open a bank account online","url":"/en/personal/payments/bank-accounts"}},"componentType":"productHeader","coreHeader":{"headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/2a837f17046e6757/original/Young-couple-laying-on-grass-in-park-taking-selfie.jpg","transformBaseUrl":"https://assets.ing.com/transform/da91890a-49d4-4525-a6e7-a0ccb24d0b44/Young-couple-laying-on-grass-in-park-taking-selfie","type":"image","width":5205},"subtitle":"Take control of your shared finances with a joint account.","title":"Open a Joint Account"},"usps":[{"body":"Start without BSN if abroad.","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/4c5d6a18c77a3076/original/Money-Coins_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/ad2f4a67-26a4-4cbc-b19c-442d2babcf61/Money-Coins_Euro_Outline","type":"image","width":32}},{"body":"Save together with separate savings targets","icon":{"extension":"png","original":"https://assets.ing.com/m/3ae1510a131103c1/original/Savings_goals-Pig_Outline.png","transformBaseUrl":"https://assets.ing.com/transform/e9a69631-252e-4756-a365-f3735976756a/Savings_goals-Pig_Outline","type":"image","width":2500}},{"body":"Instantly see where your money is going","icon":{"extension":"png","original":"https://assets.ing.com/m/b3ad527d82eaff3/original/Feedback-Light_Bulb_Outline.png","transformBaseUrl":"https://assets.ing.com/transform/9b2c6ad3-b2ea-4db5-a2ca-1c48b46f01ae/Feedback-Light_Bulb_Outline","type":"image","width":2500}}]},"publishDate":"2026-06-11T17:33:37.945+02:00"}}