ING in the Netherlands: packages, costs, pros and cons

What ING is

One of the three big Dutch banks, with ABN AMRO and Rabobank.

Dutch deposit guarantee. If the bank fails, your money is protected up to €100,000.
App, website and branches. Most things go through the ING app, but you can also go to an ING Service Point.
Dutch IBAN (NL…), accepted everywhere, including by employers who are fussy about foreign IBANs.

Packages and prices

ING changed its packages in June 2026. If you already had one, such as the OranjePakket, you keep it at its price.

Package	Price a month	What you get
Go	€4	Current account, debit card, cash and payments in the euro area
More	€7	Go, plus a credit card, a second account holder, and help after cybercrime or identity fraud
Extra	€15.99	More, plus 0.5% extra savings interest (on up to €10,000), a credit card without exchange fees up to €1,000 a month, and Amazon Prime
Max	€44.99	Extra, plus 1% extra savings interest, travel cover and airport lounges

For most people, Go is enough. Choose More if you share the account with a partner or want a credit card; a credit card can help when renting a car or booking hotels.

Students can get a free student account.

Savings interest

The Oranje Spaarrekening pays a variable rate: 1.25% a year on savings up to €10,000 and 1.00% above that. Interest is paid once a year, on 1 January. The Extra and Max packages add a little on top.

Costs abroad

In euros, in Europe: paying and taking out cash cost nothing extra. The foreign ATM may charge its own fee.
In other currencies: ING adds an exchange fee. Bank.nl lists it at about 1.4% with the debit card and 2% with the credit card. Cash outside Europe also costs a fixed amount per withdrawal.
If a shop or ATM abroad offers to charge you in euros, say no. Their rate is usually worse than ING’s.

Opening an account as a newcomer

You can do it in the ING app, in about 10 minutes. You need:

To be 18 or older, with an iPhone or Android phone.
A valid passport or ID card, a Dutch residence permit, or a W-document. With a passport from outside the EEA, ING may also ask for your MVV (entry visa), which can take a few days to check.
A Dutch address, or registration in the RNI (the register for people who live abroad).

No BSN yet? You can still open the account, but you have to give ING your BSN within 90 days.

What’s good

A Dutch bank everyone knows. No questions from employers, landlords or the Belastingdienst.
You can start without a BSN, which helps in your first weeks.
Branches when you’d rather talk to a person.
iDEAL, Apple Pay and Google Pay all work.

Watch out for

No free plan. At least €4 a month, €48 a year.
Prices go up. ING raised its package prices on 1 January 2026, and changes them every year or two.
Paying in other currencies costs more than at Revolut or Wise. Many people keep ING for salary and bills, and use one of those for travel.

Welcome offer: up to €150, or €200 with an invite

Until 31 December 2026, new customers get money for the first steps, in the first two months:

Step	You get
Switch your old bank to ING with the Overstapservice	€100
Put €100 in the Oranje Spaarrekening, leave it a month	€25
Take out ING liability insurance (or 3-in-1 student insurance)	€25

You have to sign up for the offer on ING’s welcome page. You don’t need an invite.

Invited by an ING customer? You both get €50 extra. You make 5 card payments and put €100 in savings within a month, and keep it there until the €50 arrives (within 8 weeks). You can’t have been an ING customer in the last 12 months.

The switch bonus pays for something you’d do anyway. The insurance step only makes sense if you need that insurance.

Can I switch my bank to ING and keep my direct debits?

Yes. The Dutch switching service (Overstapservice) moves your direct debits and redirects payments to your old account for 13 months. You start it at your new bank.