A credit card (valued at %{prijs.btp:ING_Creditcard_MC.Abfee_maand.eur}% per month) is part of the orange package extra. You’ll receive a 50% discount on a platinum card (50% of €52.20 = €26.10 per year, or €2.18 per month).
If you don’t have a credit card with your account yet, we’ll request one for you straight away if you select an orange package extra.
If you already have a credit card or platinum card as part of your account, you can continue using it, and we won't request a new one for you. We automatically refund the rest of the card fee for your annual billing period.
If you also have an additional credit card or platinum card, the fees for those are not included in the orange package extra. You can also apply for a credit card or platinum card if you have an orange package or orange package with discount. You'll pay the full price for that.
Credit card applications
When we apply for your credit card, we immediately assess the usage of your current account and perform a check with the Credit Registration Bureau (BKR).
If you qualify, you will receive a credit card with a spending limit of €1,000. If you do not (yet) qualify, you can receive a temporary credit card without a spending limit if you have given us consent for monthly assessments. In that case, we will check every month (for up to 12 months) whether you qualify for a spending limit of €1,000. As soon as you qualify, we will inform you.
You can request a (higher) spending limit later by requesting a card limit change.
You can also immediately increase your available spending capacity by transferring money from your current account to your credit card. This amount will be available for spending right away.
Please note: A credit card without a spending limit is temporary and has a maximum term of 12 months. If you still do not qualify for a regular limit after that period, we will terminate the credit card.
"},"textLinks":[{"url":"/en/personal/payments/creditcards","text":"Credit card information and prices"}]},{"componentType":"paragraph","title":"Purchase protection","richBody":{"value":"Purchase protection (Aankoopverzekering) is part of the orange package extra. With purchase protection, you’re insured in the event of the theft, loss and damage to the products you’ve paid for with your debit card or online with iDEAL.
"},"textLinks":[{"url":"/en/personal/payments/purchase-protection-insurance","text":"Purchase protection Information and terms and conditions"}]},{"componentType":"paragraph","title":"Discount on investment service fee","richBody":{"value":"The 10% discount on the service fee for easy invest (Eenvoudig Beleggen) and/or self invest (Zelf op de Beurs) is part of the orange package extra. You’ll receive this discount on the annual service fee to invested amounts up to €25,000. Without a discount, you pay a 0.40% service fee per year on the value of your investments. This fee is charged quarterly (0.1%) and automatically deducted from your investment account.
Customers with an orange package extra receive a 10% discount on this service fee. This means that you pay not 0.1% but 0.09% of the value of your investments (to total invested amounts up to €25,000) every three months.
Calculation example:
If the average value of your investments is €10,000, you pay a quarterly €10 service fee if you don’t have a discount (0.1% of €10,000). With an orange package extra, you receive a 10% discount, so you pay 0.09% of €10,000 = €9 every three months. In this calculation example, you therefore receive a quarterly discount of €1, i.e. an annual discount of €4.
To be eligible for the quarterly discount, the orange package extra must be in your possession when we calculate the service fee for that quarter. The service fee will be calculated and collected in the first month after the end of a quarter, i.e. in April, July, October and January.
PLEASE NOTE: Investing involves risks. You could lose all or part of your investment.
"},"textLinks":[{"url":"/en/personal/investing/investments-at-ing/easy-invest","text":"More about easy invest (Eenvoudig Beleggen)"},{"url":"/particulier/beleggen/beleggen-bij-ing/zelf-op-de-beurs","text":"More about self invest (Zelf op de Beurs; Dutch only)"}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"When opening a current account – or an additional current account – you have your choice of three packages.
Please see the Summary of costs and charges for full information.
"}},{"componentType":"sectionTitle","title":"Changing packages can be worth it – really!"},{"componentType":"paragraph","richBody":{"value":"If you have a standard package (BasisPakket), payment package (BetaalPakket) or royal package (RoyaalPakket) and are thinking about switching to one of the three orange packages, compare them first at ing.nl/compare-packages or use our package comparison tool to find out which orange package is right for you. After that, it’s easy to change your package in the app or My ING (you can't change it back).
If you already have one of the orange packages and want to change to one of the others, click Change packages now.
The change will apply immediately on the day you change packages. You can change your package once every calendar month. You can change the orange package extra to an orange package or orange package with discount the very next day, also within the same calendar month.
"},"textLinks":[{"url":"https://mijn.ing.nl/banking/mobile/current-account/change-package?EW=true","text":"Change packages now"}]},{"componentType":"sectionTitle","title":"Frequently asked questions about orange packages"},{"componentType":"accordion","accordionList":[{"title":"I want an orange package extra (OranjePakket Extra) but already have a credit card/platinum card. What will change?","richBody":{"value":"There will be no change to your credit card or platinum card. Your card limit will also stay the same. However, your fee(s) will change as follows:
If you have a credit card with an annual fee (%{prijs.btp:ING_Creditcard_MC.Abfee_jaar.eur}%), we'll refund what you’ve paid for the card on a proportional basis.
If you have a platinum card with an annual fee (%{prijs.btp:ING_Platinumcard_MC.Abfee_jaar.eur}%), you’ll get back a proportional 50% discount on what you’ve paid for the card. For next year, we’ll charge you 50% of the annual fee.
Do you have or want an additional credit card or platinum card with your account?
You’ll pay the full fee for that in the orange packages. An additional credit card costs %{prijs.btp:ING_Creditcard_MC_ExtraKaart.Abfee_jaar.eur}% per year, an additional platinum card %{prijs.btp:ING_Platinumcard_MC_ExtraKaart.Abfee_jaar.eur}% per year.
If you currently have a payment package (BetaalPakket), an additional credit card is included. If you currently have a royal package (RoyaalPakket), an additional platinum card is included. There’s an additional charge for that in all orange packages.
"}},{"title":"Whose name will the credit card be in if I have a joint account (En/of Betaalrekening) and I change to an orange package extra (OranjePakket Extra)?","richBody":{"value":"The account holder who requests and approves the change to the orange package extra (also on behalf of the other account holder) is also the person for whom we'll request the credit card. So make sure that the right account holder makes the package change to the orange package extra.
"}},{"title":"I'm not eligible for the credit card. Is the orange extra package (OranjePakket Extra) still right for me?","richBody":{"value":"The orange package extra has several other features such as purchase protection (Aankoopverzekering) and, if you have a joint account with your partner, no extra fee for the second account holder. Plus, you’re also allowed to make more free cash deposits into your own account.
Whether these extra features are worth the higher package fee will depend on your personal situation and needs. If you decide you no longer want the orange package extra, you can change to the orange package (OranjePakket) or orange package with discount (OranjePakket met korting) the next day.
"}},{"title":"I have a (temporary) credit card without a spending limit (limit €0). How can I get a spending limit?","richBody":{"value":"If you have given us consent for automatic assessment, we will check every month (up to 12 months) whether you qualify for a spending limit of €1,000. This usually happens after you have actively used the linked current account for at least 3 months. As soon as you qualify, we will inform you.
If you have not given consent and want to request a limit increase yourself? You can do this via the “Change Limit” process.
Additionally, you can immediately increase your available spending capacity by transferring money from your current account to your credit card. This amount will be available for spending right away.
Please note: A credit card without a spending limit has a maximum term of 12 months. If you do not qualify for a regular limit after that period, we will terminate the credit card.
"},"textLinks":[{"url":"/banking/creditcards/change-limit?EW=true","text":"Go to process Change spendinglimit credit card"}]},{"title":"Which orange package is right for me?","richBody":{"value":"That depends on how you want to do your daily banking. For example, whether or not you use cash, whether or not you want a credit card, whether you want to use paper-based services or fully digital banking and which services you like and really need. It's up to you to make those choices and decide which package is right for you.
"}},{"title":"Which orange package offers the option of paper account statements and transfer forms?","richBody":{"value":"All three orange packages are basically set up for mobile and digital banking using the app and/or My ING.
With both the orange package (OranjePakket) and orange package extra (OranjePakket Extra), you have the option of using paper account statements, transfer forms and return envelopes. There's an additional charge for that, though. More information can be found in the Summary of costs and charges.
Paper-based services are not available with the orange package with discount (OranjePakket met korting).
"}},{"title":"What does it cost to deposit euro banknotes into my own account if that’s not, or is no longer, free?","richBody":{"value":"Depositing euro banknotes costs €6.00 per deposit.
An orange package with discount (OranjePakket met korting) does not come with any free cash deposits. If you have an orange package (OranjePakket), the first two cash deposits in a calendar year are free. With an orange package extra (OranjePakket Extra), you can make four cash deposits in a calendar year for free.
All coin deposits cost €6.00 per deposit. That applies to every payment package.
"}}]},{"componentType":"linkList","iconTitle":{"title":"More information"},"textLinks":[{"url":"https://assets.ing.com/m/168b84ce21aa46c9/original/ING_Summary-of-costs-and-charges-for-ING-payment-products-for-personal-customers.pdf","text":"Summary of costs and charges for ING payment products for personal customers"},{"url":"https://assets.ing.com/m/1a5ac987b499360/original/ING_Terms-and-Conditions-and-other-regulations.pdf","text":"Terms and Conditions and other regulations for private account holders"},{"url":"/en/personal/payments/rates/payment-service-comparison","text":"Payment services comparison"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"url":"/en/personal/payments/bank-accounts","text":"Bank accounts"},{"url":"/en/personal/payments/pay-with-your-phone","text":"Mobile payments"},{"url":"/en/personal/payments/money-transfers","text":"Transfer money"},{"url":"/en/personal/payments/creditcards","text":"Credit cards"},{"url":"/en/personal/payments/debit-cards","text":"Debit cards"},{"url":"/en/personal/payments/cash","text":"Cash"},{"url":"/en/personal/payments/payments-abroad","text":"Payments abroad"},{"url":"/en/personal/payments/switch-to-ing","text":"Switch from your current bank to ING"},{"url":"/en/personal/payments/rates","text":"Payment product rates overview"},{"url":"/particulier/betalen/bankrekeningen/pakketvergelijken","text":"Compare packages"}]}]}}}