ING business account
ING offers two options for a business account: the ING Starter Package and the ING Entrepreneurs Package. Both packages are designed for different phases in a company’s life cycle. The Starter Package is specifically developed for entrepreneurs who have been registered with the Chamber of Commerce for less than one year. After this period, the package is automatically converted to the standard Entrepreneurs Package.
About ING
ING is a Dutch major bank with its head office in Amsterdam and is one of the largest providers of financial services in the Netherlands. The bank is registered with De Nederlandsche Bank (DNB) and the Netherlands Authority for the Financial Markets (AFM), and is supervised by these authorities. The bank is known for its digital innovations and offers entrepreneurs extensive online banking options via Mijn ING Zakelijk and the ING App. As a commercial bank, ING focuses on a broad range of entrepreneurs, from self-employed starters to medium-sized businesses and institutions.
ING business accounts
ING offers two business packages that match the stage a company is in. Below is an overview of the key features of each business account:
ING Starter Package
Costs per month: € 0.00 (first 6 months)
Customer due diligence costs: € 0.00 (during the start-up period)
Costs per transaction: € 0.00 (during the start-up period)
Time to open an account: usually a few minutes online
ING Business Package
Costs per month: € 9.90
Customer due diligence costs: € 0.00 – € 20.00 per month (depending on legal form)
Cost per transaction: € 0.13 (SEPA outgoing and incoming transfers)
Time to open an account: usually within a few working days, depending on checks
ING business cost overview
Costs per month
Customer research costs
Costs per transaction
Debit card costs per month
Debit card replacement fee (one-off)
Cost of an additional current account per month
ING Starter Package
€0.00
€0.00 (during the first 6 months)
€0.00
€0.00
€4.50
€0.00
ING Business Package
€9.90
€ 0.00 – € 20.00 (depending on legal form)
€0.13
€1.50
€4.50
€5.90
Please note: all rates mentioned are based on the most up-to-date data as of 14 July 2025. Depending on usage, additional charges may apply. Always consult the provider’s website for a complete and up-to-date overview.
Pros and cons of the ING business account
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Nadelen
ING business packages
As an entrepreneur, at ING you can choose from various business packages that match the stage your company is in. Are you just starting out and have you been registered with the Chamber of Commerce for less than a year? Then the ING Starter Package offers an accessible solution with attractive benefits in the first few months. Have you been active for longer, then the ING Entrepreneur Package gives you the flexibility and features that suit a growing business. However, there are better alternatives: opening a business account with GoDutch is arranged faster, cheaper in terms of costs, and can be completed entirely online, without cumbersome administration.
ING Starter Package
The ING Starter Package is intended for entrepreneurs who have been registered with the Chamber of Commerce for less than one year. This package includes a business account, debit card, access to Mijn ING Zakelijk and the ING App. During the first six months, all digital transactions within SEPA are free, as are the debit card and the customer due diligence check.
After this period, the package is automatically converted to the regular Entrepreneur Package, for which standard rates apply. Only new business customers are eligible for the ING Starter Package. Looking for a better solution? Then take a look at the GoDutch business account for self-employed professionals or freelancers.
ING Business Package
The ING Business Package is suitable for entrepreneurs who have been active for more than one year. This package costs €9.90 per month and standardly offers one business account, a debit card, and access for two authorised users to Mijn ING Zakelijk and the ING App. Transaction fees of €0.13 are charged per debit or credit entry.
Depending on the legal form, a customer due diligence fee applies between €0.00 and €20.00 per month. The package can be expanded with additional payment accounts, debit cards, or a business credit card, but at an extra cost. Looking for a better alternative? Then view the business account for BVs or accounts for a holding company from GoDutch.
FAQ
Most frequently asked questions about the ING business account
How much does a business account at ING cost?
For starters, the business account at ING is free for the first six months. After that, you pay €9.90 per month for the Business Package. On top of that, there are costs for SEPA transactions (€0.13 per transaction), customer due diligence (up to €20 per month depending on legal form), and any costs for additional accounts or debit cards.
How long does it take to open a business account with ING?
For a straightforward legal structure (such as a sole proprietorship or private limited company with one owner), the application for a business account with ING can be arranged online within a few minutes. After the application is approved, you will receive your account number, debit card, PIN code and access to Mijn ING Zakelijk within five working days. In more complex cases, such as foundations or multiple representatives, additional customer due diligence may be required, which can mean processing takes up to several weeks.
How much does it cost to deposit money with ING Business?
For business customers, depositing cash at ING via a Geldmaat ATM costs €4.91 per deposit plus 0.26% of the deposited amount. When using a seal bag safe, a fee of €8.19 per deposit plus a 0.26% surcharge on the amount applies.
How do I close my ING business account?
You can close an ING business account via Mijn ING Zakelijk or by phone via customer services. Make sure that debit cards, credit cards and other linked products have been cancelled beforehand so that the termination proceeds smoothly. ING describes all the steps on closing an ING business account.
