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Cash reserves

ING Cash reserve

Deal with your unexpected expenses stress free!

Unexpected expenses out of the blue? Relax. An ING Cash Reserve gives you the flexibility of an overdraft on your current account of 1,250 euros or more. Just the ticket when you need temporary access to extra funds.

  • Authorised overdraft

    You can withdraw money from your current account, up to the maximum limit allowed by your ING Cash reserve. It's simple and practical.

  • €1,250 or more

    You decide the maximum limit on your cash reserve yourself, with a minimum amount of €1,250.

  • Flexible repayments

    You decide how quickly you pay back your cash reserve*.

  • No fees

    You only pay the interest on the negative balance. If you do not use your reserve, you do not pay a thing!

  • * With a legal requirement to pay back the full amount at least once per year for reserves up to 3,000 euros, and once every 5 years for reserves over 3,000 euros.

The ING Cash reserve is linked to your ING current account. It enables you to go overdrawn on your current account up to a maximum approved amount.

Are you a private individual aged 18 or over? Do you hold a current account for your personal use? If so, you can apply for a cash reserve now, and manage your budget with greater flexibility, particularly when unforeseen expenses strike.

You only pay interest on any negative balance. You set up a cash reserve but you never overdraw your account? Your reserve will not cost you a thing!

And repayments? You decide when and how much to repay yourself. You can therefore manage the reserve at your own pace. The only restriction: your ING Cash reserve is legally required to be paid off in full at least once a year, for amounts of 3,000 euros or less. Above this level, full repayment of the negative balance on your current account must be made once every 5 years.

At a branch

When it suits you

Make an appointment

When you open your cash reserve, you choose:

You are then free to withdraw money from your current account until you reach the maximum limit of your ING Cash reserve.

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