{"type":"document","data":{"id":"32e4cbef-57a2-4f61-b9de-1ed1e2694c9c","localeString":"en-GB","publishDate":"2026-03-20T14:03:22.572+01:00","contentType":"onecms:productPage","hasMacro":true,"macros":["prijs.btp:buitenlandtoeslag.betaalrekeningENG.Abfee_maand.eur"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"When choosing a financial product, it’s important to be aware of the rates and charges. View the rates and charges for international transactions."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"When choosing a financial product, it’s important to be aware of the rates and charges.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/2e15ff26-434b-4b97-86cf-be089af67364/Low-angle-of-two-boys-sitting-on-roof-top-of-boat","type":"image","width":4608,"original":"https://assets.ing.com/m/14e05b02d3fae442/original/Low-angle-of-two-boys-sitting-on-roof-top-of-boat.jpg","extension":"jpg"},"title":"Payment product rates and charges"},"backLink":{"textLink":{"url":"/en/personal/payments","text":"All about payments"}}},"flexZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"<p>They’re listed here for your convenience.</p><ul><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/payment-packages\">Payment packages</a></li><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/current-accounts\">Current accounts</a></li><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/interest-calculation-for-current-account\">Current account interest rates</a></li><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/switch-to-ing\">Switch to ING</a></li><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/credit-cards\">Credit cards</a></li><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/cards\">Debit cards</a></li><li><a data-type=\"internal\" href=\"/particulier/lenen/tarieven/rood-staan\">Overdraft</a></li><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/other-products\">Other products</a></li></ul>"}},{"componentType":"sectionTitle","title":"World payment (Wereldbetaling) currency mark-up (funds transfer transactions: transferring/receiving money)"},{"componentType":"paragraph","richBody":{"value":"<p>In addition to any transaction costs (see the Summary of costs and charges for ING payment products for personal customers), ING charges a currency mark-up for non-euro (world payment) funds transfer transactions. ING charges a 0.85% currency mark-up for the 19 currencies that are most commonly used for international transfers. These are the following currencies: AUD, BGN, CAD, CHF, CZK, DKK, GBP, HKD, HUF, ILS, JPY, NOK, NZD, PLN, RON, SEK, SGD and USD. ING charges the currency mark-up when converting foreign currency into euros. This mark-up is included in the amount spent. For amounts under €50,000, ING uses the foreign exchange rates published by Refinitiv (formerly Thomson Reuters) for funds transfer transactions. Foreign exchange rates are updated five times every working day. Before the transaction is confirmed, customers are shown how much they will be charged.</p>"},"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 (pdf)"}]},{"componentType":"sectionTitle","title":"Current account foreign banking surcharge"},{"componentType":"paragraph","richBody":{"value":"<p>A monthly surcharge of %{prijs.btp:buitenlandtoeslag.betaalrekeningENG.Abfee_maand.eur}% will apply if the account holder (or at least one of the account holders if there’s a joint account) is not resident in the Netherlands or the BES islands*.  </p><p>The surcharge will be collected at the same time as the fee for your payment package. You’ll see this in your account as a separate debit. Children&apos;s accounts (Kinderrekening), youth accounts (Jongerenrekening) and student accounts (Studentenrekening) are excluded from this surcharge.</p><p>* BES islands: Bonaire, Saint Eustatius and Saba</p><p> </p>"}},{"componentType":"sectionTitle","title":"Downloads & information"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"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 (pdf)"},{"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"},{"url":"/en/personal/payments/rates/payment-service-comparison","text":"Payment services comparison and information document"}]},{"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"}]}]}}}