| Payments | |
|---|---|
| Payments in euros using a debit card | €0.00 |
| Payments in a foreign currency using a debit card | %{prijs.btp:debetcard_nieteuroENG.koersopslag.standaard.perc}% currency mark-up* |
| Payments in euros using a Credit card | €0.00 |
| Payments in a foreign currency using a Credit card | %{prijs.btp:creditcards_nieteuroENG.koersopslag.standaard.perc}% currency mark-up* |
| Payments in euros using a Platinum card | €0.00 |
| Payments in a foreign currency using a Platinum card up to €1,000 per month (joint limit for payments and withdrawals) | 0% currency mark-up* ** |
| Payments in a foreign currency using a Platinum card after €1,000 per month | %{prijs.btp:creditcards_nieteuroENG.koersopslag.standaard.perc}% currency mark-up* |
| Payments in euros using a Student credit card | €0.00 |
| Payments in a foreign currency using a Student credit card up to €500 per month (joint limit for payments and withdrawals) | 0% currency mark-up* ** |
| Payments in a foreign currency using a Student credit card after €500 per month | %{prijs.btp:creditcards_nieteuroENG.koersopslag.standaard.perc}% currency mark-up* |
* Payments with a credit card with the Mastercard logo are limited to 15 transactions per day ** The benefit applies per monthly billing period and is credited as cashback to the linked current account in the following billing period |
Tip: It’s often wise to pay in the local currency. If you want to pay in euros, the amount you spend in foreign currency will be converted into euros by the bank or shop. They’ll often use a higher exchange rate than ING does, which will make it more expensive for you.
"}},{"componentType":"paragraph","richBody":{"value":"| Outward transfers | Costs |
|---|---|
| Transfers using My ING | €0.00 |
| Transfers using iDEAL | €0.00 |
| Transfers using mobile banking | €0.00 |
| European transfer forms for holders of an orange package (OranjePakket), orange package extra (OranjePakket Extra) or ING student account (Studentenrekening), youth account (Jongerenrekening) or children’s account (Kinderrekening) (not available with the orange package with discount (OranjePakket met korting)) | %{prijs.btp:overschrijvingskaartenboekje_OranjeENG.trans_fee.voor_01011941.eur}% per set of 20 forms |
| European transfer forms for holders of a standard package (BasisPakket), payment package (BetaalPakket) or royal package (Royaalpakket) | Free |
| 20 postage-paid ING return envelopes sent to the customer’s postal address: for holders of an orange package (OranjePakket), orange package extra (OranjePakket Extra) or ING student account (Studentenrekening), youth account (Jongerenrekening) or children’s account (Kinderrekening)* (not available with the orange package with discount (OranjePakket met korting) | %{prijs.btp:enveloppen_20_aanschaf_oranje_studentENG.trans_fee.standaard.eur}% |
| 20 postage-paid ING return envelopes sent to the customer’s postal address: for holders of other packages* (not available with the orange package with discount (OranjePakket met korting)) | Free |
*You can order the envelopes online. See the frequently asked questions for more information.
"}},{"componentType":"paragraph","richBody":{"value":"| Withdrawals | Costs | |
|---|---|---|
| Withdrawals in euros using a debit card in EEA countries | €0.00 | |
| Withdrawals in euros using a debit card in EEA countries for holders of an orange package with discount (OranjePakket met Korting) | %{prijs.btp:euro_opnamekosten_ATM_betaalpasENG.trans_fee.sindsxxxxxxxxx.standaard.eur}% | |
| Withdrawals in euros using a debit card in EEA countries for holders of a student account (Studentenrekening) | 12 free transactions in a calendar year, %{prijs.btp:euro_opnamekosten_ATM_betaalpas_navrijevoetENG.trans_fee.studrek.eur}% per transaction after that | |
| Withdrawals in euros using a debit card outside EEA countries | %{prijs.btp:nieteuro_opnamekosten_ATM_betaalpasENG.trans_fee.sindsxxxxxxxxx.standaard.eur}% per transaction | |
| Foreign currency withdrawals using a debit card | %{prijs.btp:nieteuro_opnamekosten_ATM_betaalpasENG.trans_fee.sindsxxxxxxxxx.standaard.eur}% per transaction + %{prijs.btp:debetcard_nieteuroENG.koersopslag.standaard.perc}% currency mark-up* | |
| Foreign currency withdrawals using a debit card for holders of an orange package with discount (OranjePakket met Korting) | %{prijs.btp:nieteuro_opnamekosten_ATM_betaalpas_OPKENG.trans_fee.standaard.eur}% per transaction + %{prijs.btp:debetcard_nieteuroENG.koersopslag.standaard.perc}% currency mark-up* | |
| Withdrawals in euros using a credit card at an ATM | %{prijs.btp:euro_opnamekostenpercentage_ATM_creditcardENG.trans_fee.standaard.perc}% with a minimum of %{prijs.btp:euro_opnamekostenminimumbedrag_ATM_creditcardENG.trans_fee.standaard.eur}% per transaction | |
| Foreign currency withdrawals using a credit card at an ATM** | %{prijs.btp:nieteuro_opnamekostenpercentage_ATM_creditcardENG.trans_fee.standaard.perc}% with a minimum of %{prijs.btp:nieteuro_opnamekostenminimumbedrag_ATM_creditcardENG.trans_fee.standaard.eur}% per transaction + %{prijs.btp:creditcards_nieteuroENG.koersopslag.standaard.perc}% currency mark-up* | |
| Withdrawals in euros using a credit card at bank branches outside the Netherlands | %{prijs.btp:euro_opnamekostenpercentage_bankkantoor_creditcardENG.trans_fee.standaard.perc}% of the amount withdrawn with a minimum of %{prijs.btp:euro_opnamekostenminimumbedrag_bankkantoor_creditcardENG.trans_fee.standaard.eur}% per transaction | |
| Foreign currency withdrawals using a credit card at bank branches outside the Netherlands** | %{prijs.btp:nieteuro_opnamekostenpercentage_bankkantoor_creditcardENG.trans_fee.standaard.perc}% of the amount withdrawn with a minimum of %{prijs.btp:nieteuro_opnamekostenminimumbedrag_bankkantoor_creditcardENG.trans_fee.standaard.eur}% per transaction + %{prijs.btp:creditcards_nieteuroENG.koersopslag.standaard.perc}% currency mark-up* | |
| You can withdraw up to €500 per day. That’s the standard withdrawal limit. If you need more cash, you can raise your daily limit up to €5,000. For amounts above €1,000, that’s allowed for a maximum of three days. | ||
Cash withdrawals using a debit card at a foreign ATM are limited to your personal withdrawal limit per day. Foreign banks can charge you extra for cash and ATM transactions. This must be displayed separately on the transaction screen, and you must explicitly accept the charge. | ||
| You can use your credit card to withdraw cash at an ATM with the MasterCard logo a maximum of twice a day – up to €400 per day with a credit card and up to €1,000 per day with a platinum card. | ||
| Withdrawals using a credit card at a bank branch abroad are limited to two withdrawals per day. |
* ING charges a currency mark-up on all transactions in a foreign currency. The currency mark-up means that ING, when converting foreign currency into euros, adds a percentage to the amount spent. The currency mark-up will be included in the amount spent. For payments with the debit card with the Maestro logo or a Mastercard, we use the exchange rates provided by Mastercard International. For the debit card with the V PAY logo, we use the exchange rates provided by VISA International. Exchange rates may vary by country and by day.
Check the ING exchange rate calculator for the current exchange rates. The European Commission has chosen the ECB (European Central Bank) euro foreign exchange rates as its reference rates. This means that the ECB foreign exchange rate is used as the basis for calculating our currency mark-up as a percentage relative to the ECB reference foreign exchange rate. This rate is given in the ING exchange rate calculator so that you as a customer can properly decide whether or not to use Dynamic Currency Conversion (DCC). DCC is when the payment service provider allows you to pay the transaction amount in euros rather than in the local currency. Payment service providers in the EEA are also required to indicate what they charge for the conversion of foreign currency relative to the ECB rate when DCC is offered as an option. The ECB foreign exchange rates are published daily. We are unable to publish this percentage in the ING exchange rate calculator for currencies for which the ECB does not provide a reference rate.
Tip: Banks in foreign countries may charge you a fee for using their ATM. When this fee is displayed, you’ll need to confirm it to be able to complete your transaction. We’ll then collect that charge from your account along with the amount you’ve withdrawn. Prior to your transaction, we’re unable to see the foreign exchange rates used by local banks or the extra fees that they may charge. Check the ING exchange rate calculator before using DCC; experience shows that local payment service providers often use a higher exchange rate than ING.
** Cash withdrawals with the Platinum card and Student credit card are included in the exemption from foreign currency conversion fees for payments and withdrawals up to a certain amount per monthly billing period.
"}},{"componentType":"paragraph","richBody":{"value":"| Cash deposits at a Geldmaat ATM | |
|---|---|
| Cash deposit into holder’s own account using a debit card for holders of an orange package with discount (OranjePakket met Korting) |
|
| Cash deposit into holder’s own account using a debit card for holders of an orange package (OranjePakket) or student account (Studentenrekening) |
|
| Cash deposit into holder’s own account using a debit card for holders of an orange package extra (OranjePakket Extra), standard package (BasisPakket), payment package (BetaalPakket) or royal package (RoyaalPakket) |
|
| Cash deposit into a youth account (Jongerenrekening) |
|
| Cash deposit into a children’s account (Kinderrekening) |
|
| Each additional deposit in the same calendar year %{prijs.btp:stortingENG.trans_fee.standaard.eur}% per deposit | |
| *This includes a deposit of both coins and banknotes |
| Paper account statements in the Netherlands and abroad (also in Braille)* | |
|---|---|
| Charge | |
| Once every two weeks | %{prijs.btp:tweewek_BET_afschrift_standaardENG.Abfee_maand.eur}% |
| Monthly | %{prijs.btp:Maand_BET_afschrift_OranjeENG.Abfee_maand.standaard.eur}%** |
| Copy of an account statement | €4.50 |
* Paper account statements are no longer available with the orange package with discount (OranjePakket met korting).
** If you have a children's account (Kinderrekening) or youth account (Jongerenrekening) or account statement in Braille, you can get monthly account statements free of charge in the Netherlands. This also applies if you have a standard package (BasisPakket), payment package (BetaalPakket) or royal package (RoyaalPakket).
"}},{"componentType":"paragraph","richBody":{"value":"Although we’ve taken the utmost care to ensure that the information on our website (www.ing.nl) is accurate, the published rates and charges could unfortunately contain typographical errors. ING is not liable to you for any direct or indirect loss or damage that may result from any typographical errors.
"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & 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/994ae1a1e1c62b8/original/ING_voorwaarden-en-overige-regelingen.pdf","text":"Terms and conditions and other regulations for personal account holders (pdf)"},{"url":"/en/personal/payments/rates/payment-service-comparison","text":"Payment services comparison and information document"}]}]}}}