{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Opening a bank account in the Netherlands? At ING, you can easily open a current account online. Discover how you'd benefit from banking with us.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"feature","featureName":"ing-feat-device-specific-app-download?__align=full-width"},{"componentType":"sectionTitle","title":"What is a current account?"},{"alignedImage":{"position":"right"},"componentType":"paragraph","richBody":{"value":"<p>Opening a bank account is easily done using the ING App. You can use it directly after opening. When you  open a current account as a new ING customer, we&apos;ll automatically open a free <a data-type=\"internal\" href=\"/en/personal/savings/savings-account\">orange savings account</a> for you. This savings account has a variable interest rate.</p><p>If you have a European passport, you can open your account straight away if you:</p><ul class=\"check-mark\"><li>have your smartphone at hand</li><li>are 18 years old or older</li><li>have a valid European passport or ID card, Dutch driving license or a Dutch residence permit (temporary, permanent or W-document)at hand. </li></ul><p>If you have a non-European passport, you can open your account straight away if you:</p><ul class=\"check-mark\"><li>Are over the age of 18  </li><li>Have at least an iPhone 7 (Apple iOS) or a smartphone with Android </li><li>Have a valid passport and MVV Visa (if required) at hand. </li><li><a href=\"https://www.ing.nl/en/personal/payments/bank-accounts/mobile-open-an-account-identification\">See the accepted forms of identification and learn more about when MVV is required </a></li></ul>"}},{"accordionList":[{"richBody":{"value":"<ul><li>If you have a residence permit card already, you should use your residence permit card for a smoother experience.</li><li>If you want to open a bank account with a passport outside the European Economic Area (EEA), you might require a valid MVV document* and an MVV document check can take a couple of days.  Check if your country requires an MVV <a style=\"background-color: rgb(255, 255, 255);\" href=\"https://www.ing.nl/en/personal/payments/bank-accounts/mobile-open-an-account-identification\">here</a>.</li><li>If you are onboarding with a Non-EEA passport, you accept that you need to <strong>provide your BSN and Dutch address within 90 days</strong>.</li><li>While opening an account, you should provide your current address as your residential/home address if you haven’t resided in the Netherlands officially yet.</li></ul><p>*What is an MVV? The MVV is an entry visa intended for persons who want to stay in the Netherlands for more than 90 days. The MVV is a visa sticker (Type D) that is placed in your passport by the Dutch embassy or the Dutch consulate in the country you reside. With an MVV you can travel to the Netherlands and pick up your residence permit.</p>"},"title":"Good to know before opening your account"}],"componentType":"accordion"},{"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"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"In the App store of Play store","title":"Download the ING App"},{"body":"In the app, select a current 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 between ING Go, ING More, ING Extra and ING Max.","title":"Choose your plan"},{"list":["Started without BSN? Then you have 90 days to provide us with your BSN","Register locally to get your BSN if you become a tax resident or stay in the Netherlands for more than 4 months","Your account is active and ready for use right away after opening","Good to know: In some cases it might take a bit longer to open your account. For example, if additional verifications are needed.","Immediate access to the ING app and mobile payments","You’ll receive your debit card within five business days"],"title":"Done!"}],"title":"How do I open an ING current account"}},{"componentType":"sectionTitle","title":"Take a look into the ING App"},{"componentType":"appPromoter","featureSlideList":[{"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/6888d906924482d0/original/Overview-ENG.png","transformBaseUrl":"https://assets.ing.com/transform/97ecc602-8b53-4dfd-8244-22fe5cc3d735/Overview-ENG","type":"image","width":1080},"title":"Easily request funds"},{"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","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/3390048c9b465c3e/original/Insight_level3_ENG.png","transformBaseUrl":"https://assets.ing.com/transform/1ccc611c-fe3f-4d09-86d6-9dc0bef16773/Insight_level3_ENG","type":"image","width":750},"title":"Make conscious choices with Insight"},{"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/3853a56b0d00e335/original/Betaal-zoals-jij-wil_-ENG.png","transformBaseUrl":"https://assets.ing.com/transform/16cc57cb-1cd3-4b7f-ba8c-96e009120129/Betaal-zoals-jij-wil_-ENG","type":"image","width":750},"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 Savings Account","url":"/en/personal/savings/savings-account"},"title":"Savings Account included"}]},{"componentType":"feature","featureName":"ing-feat-device-specific-app-download?__align=full-width"},{"componentType":"sectionTitle","title":"Need help?"},{"componentType":"paragraph","richBody":{"value":"<p>Need help opening a current account? Reach out to our <a data-type=\"internal\" href=\"/en/personal/customer-service/phone-numbers\">customer helpdesk.</a></p>"}},{"componentType":"sectionTitle","title":"Frequently asked questions about an ING current bank account"},{"accordionList":[{"richBody":{"value":"<p>Our plans come with optional paper account statements, transfer forms, and return envelopes. Please note that this comes at additional costs. Find more information on our <a href=\"https://assets.ing.com/m/168b84ce21aa46c9/original/ING_Summary-of-costs-and-charges-for-ING-payment-products-for-personal-customers.pdf\">Summary of costs and fees</a>. Good to know: all plans are optimised for mobile and online use via our app and/or My ING. </p>"},"title":"Which plan comes with paper account statements and transfer forms?"},{"richBody":{"value":"<p>Yes. In the ING app, you can change your plan after 1 day. It&apos;s quick and easy.</p>"},"title":"Can I change my plan after becoming a customer?"}],"componentType":"accordion"},{"componentStyle":"default","componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"text":"Terms and conditions and other regulations for private account holders","url":"https://www.ing.nl/en/pdf/personal/payments/terms-and-conditions-and-other-regulations-pdf"},{"text":"Summary of costs and charges for payment products for private account holders","url":"https://www.ing.nl/en/pdf/personal/payments/summary-of-costs-and-charges-for-ing-payment-products-for-personal-customers-pdf"},{"text":"ING may charge interest on the current account","url":"/en/personal/payments/rates/interest-calculation-for-current-account"},{"text":"Your credit on this account is legally protected by the Dutch Deposit Guarentee","url":"/en/personal/savings/deposit-guarantee-scheme"}]}]},"hasMacro":true,"id":"1043ead9-18fd-4b16-966f-5da266b7ad37","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"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Back","url":"/en/personal/payments/bank-accounts"}},"componentType":"productHeader","coreHeader":{"body":"Excited for your new adventure in the Netherlands? It all starts with opening your Dutch bank account at ING.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/499abd7e8ca7cd67/original/portrait-of-young-woman-looking-away.jpg","transformBaseUrl":"https://assets.ing.com/transform/baf3768b-cabe-4996-85e2-adcde843fad3/portrait-of-young-woman-looking-away","type":"image","width":5736},"title":"Open a Dutch bank account"},"deviceSpecificCta":{"android":{"text":"Download in Google Play","url":"https://play.google.com/store/apps/details?id=com.ing.mobile"},"componentType":"deviceSpecificCta","ios":{"text":"Download in App Store","url":"https://apps.apple.com/nl/app/ing-nederland/id474495017"}},"usps":[{"body":"Start without BSN (if abroad)","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}},{"body":"From %{prijs.btp:ING_GoENG.Abfee_maand.eur}% per month","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/2e4b46c787db84e0/original/Products-Moneybag_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/c549a4cb-c50a-4d19-8a0e-ef371e9b4f6b/Products-Moneybag_Outline","type":"image","width":32}}]},"publishDate":"2026-06-10T03:39:21.490+02:00"}}