{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Opening a joint account at ING. Monthly account charge starts from € 3.80 Both of you have direct access to the Mobile Banking App and My ING.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Which situation fits you best?"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6fe3e3993e9c6edf/original/Feedback-Smiley_Happy_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/b79c098c-b867-4d41-aecc-3c7a962c134d/Feedback-Smiley_Happy_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"Click here to open your joint account","url":"https://mijn.ing.nl/banking/mobile/content/personal/products/payments-and-creditcards/joint-current-account?EW=true"}],"title":"Are you both already ING customers? Then you can easily open your account in the ING App"}],"title":{"value":"<p>Both already ING customers</p>"}},{"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":"<p>Is your (future) co-account holder not yet an ING customer? Have them follow the steps below:</p><ol><li>Become a customer via thee ING App. <br />Download the ING App via the Appstore or Google Playstore.<br /> </li><li>Choose a joint account. <br />Fill in the details and scan your ID.<br /> </li><li>Invited you to open the joint account together.<br />Enter your co-account holder’s surname, date of birth and ING IBAN so that we can find the right person.</li></ol><p>Done!</p><ul><li>You can now use the account for mobile banking</li><li>Your debit card and PIN will be sent to you within a week</li></ul>"},"title":"This is how you open a Joint Account when one of you is already an ING customer"}],"title":{"value":"<p>One of you is ING customer</p>"}},{"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":"<p>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 <a data-type=\"internal\" href=\"/en/personal/payments/bank-accounts/make-appointment\">link</a>.</p>"},"title":"How to open a joint account at ING if neither of you is a customer yet"}],"title":{"value":"<p>Both new to ING</p>"}}],"componentType":"actionAccordion"},{"componentType":"feature","featureName":"ing-feat-device-specific-app-download"},{"componentType":"sectionTitle","title":"What does a Joint Account cost?"},{"alignedImage":{"position":"right"},"componentType":"paragraph","richBody":{"value":"<p>A joint account is part of an Orange Package, Orange Package Extra, or Orange Package with Discount. For a joint account, you pay the package fee for an Orange Package plus the cost for a second account holder. So, a joint account starts at %{prijs.btp:OranjePakketmetkorting_Extra_ING_BetaalpasENG.trans_fee.standaard.eur}% per month.</p><p>With the Orange Package Extra, the cost for a second account holder is included.</p>"}},{"accordionList":[{"richBody":{"value":"<p>The ING account always includes an ING package. You can jointly choose an OranjePakket, OranjePakket Extra or the OranjePakket with Discount when opening your account</p><table><thead><tr><th /><th>OranjePakket with Discount</th><th>OranjePakket</th><th>OranjePakket Extra</th></tr></thead><tbody><tr><td>Monthly package fee (incl. second account holder)</td><td>%{prijs.btp:OranjePakketmetkorting_Extra_ING_BetaalpasENG.trans_fee.standaard.eur}%</td><td>%{prijs.btp:OranjePakket_Extra_ING_BetaalpasENG.trans_fee.standaard.eur}%</td><td><span><span><span><span><span><span>%{prijs.btp:OranjePakketExtraENG.Abfee_maand.eur}%</span></span></span></span></span></span></td></tr><tr><td><strong>Variable costs</strong></td><td> </td><td> </td><td> </td></tr><tr><td>Number of free cash deposits (banknotes) per year. After that: €6.00 per extra deposit. Coin deposits always cost €6.00.</td><td>0 times</td><td>2 times</td><td>4 times</td></tr><tr><td>Cash withdrawals in euros using your debit card(s) from ATMs in the Netherlands and other EEA countries (per withdrawal)</td><td>€ 0.80</td><td>€ 0.00</td><td>€ 0.00</td></tr><tr><td>Paper services (charged separately if used)</td><td>No</td><td>Yes</td><td>Yes</td></tr><tr><td>Credit card (worth €1.90) or 50% discount on the Platinum Card</td><td>No</td><td>No</td><td>Yes</td></tr><tr><td>Purchase insurance</td><td>No</td><td>No </td><td>Yes</td></tr><tr><td>10% discount on the service fee for “Eenvoudig Beleggen” (Easy Invest)</td><td>No</td><td>No</td><td>Yes</td></tr></tbody></table><p><strong>Note:</strong> The variable costs apply to cash transactions made with each debit card. For example, with an OranjePakket, you can deposit banknotes for free a total of 2 times per year—not 2 times per debit card.<br /><a data-type=\"internal\" href=\"/en/personal/payments/rates/payment-packages\">Read more about these packages and how you can change your package later.</a></p>"},"title":"Compare Plans for a joint account"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"What is a Joint Account?"},{"alignedImage":{"position":"right"},"componentType":"paragraph","richBody":{"value":"<p>With our Joint Account, you can manage your banking from one account. Both of you can pay for shared expenses.</p><ul class=\"check-mark\"><li>Two Debit cards</li><li>Both pay with your smartphone</li><li>ING App for all your banking needs</li></ul><p>Is this your first Joint Account at ING? We’ll immediately open a free <a data-type=\"internal\" href=\"/en/personal/savings/savings-account\">Orange Savings Account</a> for you. You don’t need to do anything for that.</p>"}},{"componentType":"sectionTitle","title":"Take a look into the ING App"},{"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":"feature","featureName":"ing-feat-device-specific-app-download"},{"alignedImage":{"position":"left"},"componentType":"paragraph","richBody":{"value":"<p>Reach out to our <a data-type=\"internal\" href=\"/en/personal/customer-service/phone-numbers\">customer helpdesk</a> if you need more help opening a Joint Account.</p>"},"title":"Need help?"},{"componentType":"sectionTitle","title":"Frequently asked questions about the Joint Account"},{"accordionList":[{"richBody":{"value":"<p>With our Joint Account, you manage your finances from one account. You can both pay for joint expenses.</p><ul><li>Start without BSN. Then you have 90 days to provide us with your BSN.</li><li><i>Register locally to get your BSN if you become a tax resident or</i> <i>stay in the Netherlands for more than 4 months</i></li><li>One new account number and 2 debit cards</li><li>Access to the ING Mobile Banking App</li><li>Mobile payment with Apple Pay, Google Pay and Garmin Pay</li></ul>"},"title":"What is a Joint Account?"},{"richBody":{"value":"<p>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.</p>"},"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":"<p>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.</p>"},"title":"How many ING Accounts can I have?"},{"richBody":{"value":"<p>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 <a data-type=\"internal\" href=\"/en/personal/customer-service/phone-numbers\">Customer Service</a> and ask for an agent.</p>"},"title":"I can't find my co-account holder to open the Joint Account?"},{"richBody":{"value":"<p>Yes, you can already do this after one day.</p>"},"textLinks":[{"text":"More information","url":"/en/personal/payments/orange-package"}],"title":"Can we change our Orange Package to another Orange Package type at a later stage?"},{"richBody":{"value":"<p>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</p>"},"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:OranjePakketmetkorting_Extra_ING_BetaalpasENG.trans_fee.standaard.eur","prijs.btp:OranjePakket_Extra_ING_BetaalpasENG.trans_fee.standaard.eur","prijs.btp:OranjePakketExtraENG.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":"2026-05-21T09:35:57.325+02:00"}}