{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"When choosing a financial product, it’s important to be aware of the rates and charges. View the rates and charges for a children’s account, youth account and student account.","robotInstruction":{"noFollow":false,"noIndex":false}},"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><li><a data-type=\"internal\" href=\"/en/personal/payments/rates\">Usage</a></li><li><a data-type=\"internal\" href=\"/en/personal/payments/rates/abroad\">International</a></li></ul>"}},{"componentType":"sectionTitle","title":"Charges for non-digital options for children’s, youth and student accounts"},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th>Non-digital options</th><th>Children’s account (Kinderrekening)</th><th>Youth account (Jongerenrekening)</th><th>Student account (Studentenrekening)</th></tr></thead><tbody><tr><td>Monthly paper account statement</td><td>Free</td><td>Free</td><td>%{prijs.btp:Maand_BET_afschrift_studENG.Abfee_maand.eur}% per month</td></tr><tr><td>Account statement once every two weeks</td><td>%{prijs.btp:tweewek_BET_afschrift_kind_jongENG.Abfee_maand.eur}% per month</td><td>%{prijs.btp:tweewek_BET_afschrift_kind_jongENG.Abfee_maand.eur}% per month</td><td>%{prijs.btp:tweewek_BET_afschrift_kind_jongENG.Abfee_maand.eur}% per month</td></tr><tr><td>Free transfer forms</td><td>%{prijs.btp:overschrijvingskaartenboekje_kind_jongENG.trans_fee.eur}% for set of 20 forms</td><td>%{prijs.btp:overschrijvingskaartenboekje_kind_jongENG.trans_fee.eur}% for set of 20 forms</td><td>%{prijs.btp:overschrijvingskaartenboekje_kind_jongENG.trans_fee.eur}% for set of 20 forms</td></tr><tr><td>Cash deposit into holder’s own account</td><td>First %{prijs.btp:vrijevoetstorten_kindENG.aantal_jaar}%<strong> </strong>deposits in a calendar year are free. Each additional deposit costs %{prijs.btp:stortingENG.trans_fee.standaard.eur}% per deposit.</td><td>First %{prijs.btp:vrijevoetstorten_jongereENG.aantal_jaar}% deposits in a calendar year are free. Each additional deposit costs %{prijs.btp:stortingENG.trans_fee.standaard.eur}% per deposit.</td><td>Banknotes: first %{prijs.btp:vrijevoetstorten_oranje_studentENG.aantal_jaar}% deposits in a calendar year are free. Each additional deposit and all coin deposits cost %{prijs.btp:stortingENG.trans_fee.standaard.eur}% per deposit.</td></tr><tr><td>Withdrawal in euros at an ATM in EEA</td><td>Free</td><td>Free</td><td>12 free transactions in a calendar year, %{prijs.btp:euro_opnamekosten_ATM_betaalpas_navrijevoetENG.trans_fee.studrek.eur}% per transaction after that</td></tr></tbody></table><table><thead><tr><th>Accounts</th><th /></tr></thead><tbody><tr><td>Children’s account (Kinderrekening) (age 0 to 11)</td><td>Free</td></tr><tr><td><ul><li>When your child turns 12, their children’s account will automatically be converted into a youth account with the same account number</li><li>Personalise your debit card</li></ul></td><td> </td></tr><tr><td>Youth account (Jongerenrekening) (age 12 to 17)</td><td>Free</td></tr><tr><td><ul><li>A fun way to learn how to manage money</li><li>Banking online and by telephone (with your permission)</li></ul></td><td> </td></tr><tr><td>Student account (Studentenrekening) (age 16 to 29)</td><td>Free</td></tr><tr><td>Your student finance available in your account in next to no time</td></tr></tbody></table>"},"textLinks":[{"text":"More information about current accounts","url":"/en/personal/payments/bank-accounts"},{"text":"Open a current account","url":"/en/personal/payments/bank-accounts/open-an-account"}]},{"componentType":"sectionTitle","title":"Current account interest rates"},{"componentType":"paragraph","richBody":{"value":"<p>The ING current account has a variable interest rate. The interest rate can be positive, zero or negative. You’ll receive interest if the rate is positive and pay interest if the rate is negative.</p><ul></ul>"},"textLinks":[{"text":"Current interest rate and other relevant information","url":"/en/personal/payments/rates/interest-calculation-for-current-account"}]},{"componentType":"paragraph","richBody":{"value":"<p>Although we’ve taken the utmost care to ensure that the information on our website (<a href=\"https://www.ing.nl/en/personal/\">www.ing.nl</a>) 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.</p>"}},{"componentType":"sectionTitle","title":"Downloads & information"},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"text":"Summary of costs and charges for ING payment products for personal customers (pdf)","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 personal account holders","url":"https://assets.ing.com/m/994ae1a1e1c62b8/original/ING_voorwaarden-en-overige-regelingen.pdf"},{"text":"Payment services comparison and information document","url":"/en/personal/payments/rates/payment-service-comparison"}]},{"componentType":"linkList","iconTitle":{"title":"Payments"},"textLinks":[{"text":"Bank accounts","url":"/en/personal/payments/bank-accounts"},{"text":"Mobile payments","url":"/en/personal/payments/pay-with-your-phone"},{"text":"Transfer money","url":"/en/personal/payments/money-transfers"},{"text":"Credit cards","url":"/en/personal/payments/creditcards"},{"text":"Debit cards","url":"/en/personal/payments/debit-cards"},{"text":"Cash","url":"/en/personal/payments/cash"},{"text":"Payments abroad","url":"/en/personal/payments/payments-abroad"},{"text":"Switch from your current bank to ING","url":"/en/personal/payments/switch-to-ing"},{"text":"Payment product rates overview","url":"/en/personal/payments/rates"},{"text":"Compare packages","url":"/particulier/betalen/bankrekeningen/pakketvergelijken"}]}]},"hasMacro":true,"id":"3cac3b60-ead4-42cc-a7fd-6c1604f1ea75","localeString":"en-GB","macros":["prijs.btp:Maand_BET_afschrift_studENG.Abfee_maand.eur","prijs.btp:tweewek_BET_afschrift_kind_jongENG.Abfee_maand.eur","prijs.btp:overschrijvingskaartenboekje_kind_jongENG.trans_fee.eur","prijs.btp:vrijevoetstorten_kindENG.aantal_jaar","prijs.btp:stortingENG.trans_fee.standaard.eur","prijs.btp:vrijevoetstorten_jongereENG.aantal_jaar","prijs.btp:vrijevoetstorten_oranje_studentENG.aantal_jaar","prijs.btp:euro_opnamekosten_ATM_betaalpas_navrijevoetENG.trans_fee.studrek.eur"],"mainHeaderZone":{"backLink":{"textLink":{"text":"All about payments","url":"/en/personal/payments"}},"componentType":"productHeader","coreHeader":{"body":"When choosing a financial product, it’s important to be aware of the rates and charges.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/31de071a1066a8ef/original/instant-payments-1920-1.jpg","transformBaseUrl":"https://assets.ing.com/transform/458f42d7-781f-45a6-92a2-3b7824b32ee0/instant-payments-1920-1","type":"image","width":1920},"title":"Payment product rates and charges"}},"publishDate":"2026-03-20T11:40:32.088+01:00"}}