Question 1

I want an orange package extra (OranjePakket Extra) but already have a credit card/platinum card. What will change?

Accepted Answer

There will be no change to your credit card or platinum card. Your card limit will also stay the same. However, your fee(s) will change as follows:

If you have a credit card with an annual fee (%{prijs.btp:ING_Creditcard_MC.Abfee_jaar.eur}%), we'll refund what you’ve paid for the card on a proportional basis.

If you have a platinum card with an annual fee (%{prijs.btp:ING_Platinumcard_MC.Abfee_jaar.eur}%), you’ll get back a proportional 50% discount on what you’ve paid for the card. For next year, we’ll charge you 50% of the annual fee.

Do you have or want an additional credit card or platinum card with your account?
You’ll pay the full fee for that in the orange packages. An additional credit card costs %{prijs.btp:ING_Creditcard_MC_ExtraKaart.Abfee_jaar.eur}% per year, an additional platinum card %{prijs.btp:ING_Platinumcard_MC_ExtraKaart.Abfee_jaar.eur}% per year. If you currently have a payment package (BetaalPakket), an additional credit card is included. If you currently have a royal package (RoyaalPakket), an additional platinum card is included. There’s an additional charge for that in all orange packages.

Question 2

Whose name will the credit card be in if I have a joint account (En/Of Betaalrekening) and I change to an orange package extra (OranjePakket Extra)?

Accepted Answer

The account holder who requests and approves the change to the orange package extra (also on behalf of the other account holder) is also the person for whom we’ll request the credit card. So make sure that the right account holder makes the package change to the orange package extra.

Question 3

How does purchase protection work?

Accepted Answer

Purchase protection (Aankoopverzekering) is part of the orange package extra (OranjePakket Extra). With purchase protection, you’re insured in the event of the theft, loss or damage to the products you’ve paid for with your debit card or online with iDEAL.

Question 4

How does the 10% discount on the service fee for easy invest (Eenvoudig Beleggen) work?

Accepted Answer

The 10% discount on the service fee for easy invest is part of the orange package extra (OranjePakket Extra). You’ll receive this discount on the annual service fee. Without a discount, you pay a 0.40% service fee per year on the value of your investments. This fee is charged quarterly (0.1%) and automatically deducted from your investment account.

Customers with an orange package extra receive a 10% discount on this service fee. This means that you pay not 0.1% but 0.09% of the value of your investments every three months.

Calculation example:
If the average value of your investments is €10,000, you pay a quarterly €10 service fee if you don’t have a discount (0.1% of €10,000). With an orange package extra (OranjePakket Extra), you receive a 10% discount, so you pay 0.09% of €10,000 = €9 every three months. In this calculation example, you therefore receive a quarterly discount of €1, i.e. an annual discount of €4.

To be eligible for the quarterly discount, the orange package extra must be in your possession when we calculate the service fee for that quarter. The service fee will be calculated and collected in the first month after the end of a quarter, i.e. in April, July, October and January.

PLEASE NOTE: Investing involves risks. You could lose all or part of your investment.

Question 5

Which orange package is right for me?

Accepted Answer

That depends on how you want to do your daily banking. For example, whether or not you use cash, whether or not you want a credit card, whether you want to use paper-based services or fully digital banking and which services you like and really need. It's up to you to make those choices and decide which package is right for you.

Question 6

What does it cost to use paper account statements and transfer forms with an orange package?

Accepted Answer

All three orange packages are basically set up for mobile and digital banking using the app and/or My ING.

With both the orange package (OranjePakket) and orange package extra (OranjePakket Extra), you have the option of using (or continuing to use) paper account statements, transfer forms and return envelopes. There's an additional charge for that, though. More information can be found in the Summary of costs and charges.

Paper-based services are not available with the orange package with discount (OranjePakket met korting).

Question 7

Where can I find which payment package I have now?

Accepted Answer

The easiest way is to use the app or My ING to search in your transactions (or in your paper account statement) for the monthly payment of your package fee. That takes place in the second week of each calendar month. The description states which payment package you have.

Question 8

How often can I change payment packages?

Accepted Answer

You can change your package once every calendar month. If you want to change from the orange package extra (OranjePakket Extra) to the orange package (OranjePakket) or orange package with discount (OranjePakket met korting), you can do that starting the next day.

Keep in mind that if you change your standard package (BasisPakket), payment package (BetaalPakket) or royal package (RoyaalPakket) to one of the orange packages, you won't be able to change back to your old payment package.

Question 9

What does it cost to deposit euro banknotes into my own account if that’s not, or is no longer, free?

Accepted Answer

Depositing euro banknotes costs €6.00 per deposit.

The orange package with discount (OranjePakket met korting) does not come with any free cash deposits. If you have an orange package (OranjePakket), the first two cash deposits in a calendar year are free. With an orange package extra (OranjePakket Extra), standard package (BasisPakket), payment package (BetaalPakket) and royal package (RoyaalPakket), you can make four cash deposits in a calendar year for free.

All coin deposits cost €6.00 per deposit. That applies to every payment package.

Question 10

Is there any other way to compare my current payment package with an orange package?

Accepted Answer

You can also use our package comparison tool to compare your current package with the orange packages. Open the tool and select your current package and the package that you’re interested in. The differences will be shown side by side. Some people find that easier.