11Mon·

I have opened a current account with ING and have now convinced my wife to transfer our joint account there.

The website says that it's free if you receive more than €700.

My question: Does it have to be salary, pension or similar, e.g. I pay €1000 a month into it, does that also count towards it being free?

Maybe someone knows about this, I can't find anything on the site.

Greetings Dirk

22 Comments

Marcel@Kytez

11Mon

Yes, that counts too (I do the same with comdirect at €700/month).

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NdB-EX@NdB-eX

11Mon

ING worst bank ever 😡😠

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Emil@Emil_Invest

11Mon

@NdB-eX why?

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DerMartin@DerMartin

11Mon

Every bank has a "List of prices and services" for this purpose.
This states "Free of charge for incoming money of at least €700 per calendar month". The corresponding asterisk text then states "'Excluded are securities transactions, own transfers and credits from the booking of return debits."

This means that it is not free if you transfer money yourself.

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Marcel@Kytez

11Mon

@DerMartin Exciting, maybe it will cut off for me because the account is in my wife's name, from which it will then be transferred 🤔

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Kevin E.@KevinE

11Mon

@Kytez So we have a joint account and each transfer >€700. That's enough. Apart from the €0.99 / current card, we pay nothing.

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Dividende > Zinsen@GoDividend

11Mon

@KevinC and the debit card was canceled immediately 🤣 nobody needs it these days 😅

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Kevin E.@KevinE

11Mon

@GoDividend I use it to pay for every purchase 🤷‍♂️

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Dividende > Zinsen@GoDividend

11Mon

@KevinC Amex? Or another credit card? Problem solved.

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Kevin E.@KevinE

11Mon

@GoDividend I have a private credit card, as does my partner. Plus the current accounts. Honestly, I can't remember any more pins 😃
Apart from the fact that the €2/month doesn't really matter for us.

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Hendrik@ChickenHenne

11Mon

@GoDividend Except in stores that don't accept credit or debit cards, but "only EC". Unfortunately, this happens more often than I would like.

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Kraemmo@Kraemmo

9Mon

@KevinE I was sent the Debit Visa which works in every store, so you can save yourself the Girocard 🤷🏻

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Dirkuules@Dirkuules

11Mon

Funny... @DerMartin is right, I just looked it up myself.
But it's interesting that @KevinC doesn't pay anything. What could be the reason for that?

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Manuel@Ghoscht

11Mon

I did the same with my wife.

Joint account:
Current account with Visa card on top and overnight money for fixed costs

Incoming money is enough, it doesn't have to be my salary. I transfer money and that's it (note, transfer from another bank). We have a current card (my wife) and 2 visas.
They charge 99ct per month for the debit card

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NdB-EX@NdB-eX

11Mon

They let you pay more money each year for less service , in my opinion

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Deleted User

11Mon

Comment was deleted

Manuel@Ghoscht

11Mon

@trader_385 I did that when they started charging me 99ct per month for the card.

It really annoyed me when they started charging me and I just wanted something back 🥴

At that time 8.99€ buyin...collected a few dividends and bissl increase in value. Well, bissle is an understatement at the current price of just under €15. Unfortunately I only bought 15 shares, wanted to top them up every now and then...but never got anywhere near the buyin price...

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Staatsmann@Staatsmann

11Mon

@Ghoscht 99 cents but only for the Girocard, which you hardly need these days, if you're honest. :)

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Patrick@Paddy_ro

11Mon

@Staatsmann unless you want to deposit money into your account.... for this you need the girocard

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Staatsmann@Staatsmann

11Mon

@Paddy_ro Really? I didn't know that.
I hardly ever have cash and the last time I deposited cash was when I was still at the Sparkasse. 🙈

Thanks for the info!

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Patrick@Paddy_ro

11Mon

@Staatsmann So there is only the option of using "ing cash". Works somehow via the app. But it costs 1.5% in fees. Very expensive in my opinion. So for people who want to deposit their black money regularly, I recommend the girocard 😂

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MarTheRadi@marda304

11Mon

@Ghoscht That was exactly my motivation. I also bought 25 shares to get the 99 cents back. I'm up 20% since then and the dividend easily pays for the 99 cents.

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