What ING Actually Charges You
ING raised its package prices yet again in January 2026. You now pay €48 a year just to hold your own money, plus a 1.4% markup every time you pay in a foreign currency.
Last checked: June 11, 2026 • Official website
The fee schedule, decoded
| Fee | What they take | The fine print |
|---|---|---|
| Account maintenance | €4.00/month | OranjePakket since 1 January 2026, up from €3.90. The discount variant costs €3.55 per month but charges €0.80 for every cash withdrawal, and OranjePakket Extra costs €7.00 per month. |
| Foreign exchange | 1.4% | Exchange rate markup on every debit card payment in a non-euro currency. With an ING credit card the markup rises to 2.0%. |
| ATM withdrawals | €3.50 + 1.4% | Per cash withdrawal in a foreign currency; withdrawals outside the EEA cost €3.50 even in euros. Euro withdrawals within the EEA are free on the standard OranjePakket but cost €0.80 each on the discount package. |
| Cards | €1.10/month | Extra debit card for an authorised user, about €13.20 per year on top of the package price. |
| Other charges | €6.00/deposit | Cash deposits at a Geldmaat machine after the first 2 free banknote deposits per calendar year. All coin deposits cost €6.00. |
Questions people actually ask
The standard OranjePakket costs €4.00 per month since 1 January 2026. The discount variant is €3.55 per month and OranjePakket Extra is €7.00 per month.
ING adds a 1.4% exchange rate markup to every debit card payment in a foreign currency. With an ING credit card the markup is 2.0%.
Euro withdrawals within the EEA are free on the standard OranjePakket. On the discount package every withdrawal costs €0.80, and withdrawing foreign currency costs €3.50 plus a 1.4% markup.
Yes. On 1 January 2026 ING raised all private payment packages by €0.10 to €0.35 per month. The standard OranjePakket went from €3.90 to €4.00.
Yes, the student account has no monthly fee. It includes 12 free cash withdrawals per calendar year; after that each withdrawal costs €0.80.
Sources
Every number above comes from the bank's own documents.
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