ING basic banking service account
Open a current account with limited services
This regulated current account for private use offers limited services for a fixed charge. All persons aged 18 or over who satisfy the eligibility criteria are entitled to this service.
Payment card included
A Bancontact and Maestro debit card will enable you to pay and withdraw money free of charge, throughout geographical Europe only.
Transactions online or in branch
Do your banking on your computer, smartphone, tablet and/or at an ING branch. It is not possible, however, to go below zero on this account.
Online account statements
You will receive your statements via Home'Bank: the easy online banking.
To open this account, you must:
- be a physical person (i.e. an individual, not a company)
- be of legal age
- live in the European Union
Have no more than 6,000 euros in cumulated annual credit balance (on any other bank accounts you may hold, either at ING or elsewhere).
In the event of a false statement or if the terms and conditions of this account are not met, ING reserves the right to terminate the account without notice.
The fee for the basic banking service account is fixed by law. Each year, the maximum price is adapted to the consumer price index.
For the year 2018, the charge is equal to 15.17 euros. This value covers the management of your account and a limited number of manual operations.
For further information, please refer to the Charges for the main banking transactions for physical persons (PDF) and the General Banking Regulations (PDF).
This account can only be opened in an ING branch.
Please note that there can only be one authorised account holder and no authorised mandate holders.
- the General Banking Regulations (PDF)
- the Information sheet about deposit protection (PDF)
- the Charges that apply to the main banking operations for physical persons (PDF)
- the General information regarding accounts and cards (PDF)