A current account that helps children learn how to manage money safely, with no monthly fees.
Designed for children and teenagers aged 8 to 17, it includes everything they need for everyday banking: a debit card, their own account, mobile payments, and access to the ING Banking app as from 8 years old.
Parents stay in control thanks to parental controls, transaction monitoring, and the ability to adjust spending and cash withdrawal limits.
"},"title":"The first step towards financial independence"},{"componentType":"sectionTitle","title":"What's included with this free youth account?"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/76056fa4ba58c577/original/sendmoneynopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/9899cf49-fbfb-46de-ae1b-38fcf01cb73a/sendmoneynopadding"},"componentType":"paragraph","richBody":{"value":"Everything needed for everyday banking: a debit card, cash withdrawals in euros (within the SEPA zone), and secure online and in-store payments.
Modern payment solutions: Apple Pay (from age 13), Google Pay (from age 16), Wero, and contactless payments. When your child is out with friends, they can easily split expenses using the Request Money feature in the app, powered by Wero.
Completely free, with no monthly fees.
Parental controls through the app. Want to know how it works? Read on!
"},"title":"What makes ING Go to 18 unique?"},{"componentType":"sectionTitle","title":"Parental controls through the app"},{"alignedImage":{"position":"left","extension":"svg","original":"https://assets.ing.com/m/2ec48c8f0741775d/original/phonealertbellnopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/58bde4b4-d756-4247-bd44-be73f72bb7b5/phonealertbellnopadding"},"componentType":"paragraph","richBody":{"value":"Keep track of your child’s spending. Whether it’s a purchase in a shop or an online subscription, you can see where their money is going.
Adjust limits whenever needed. Set and modify spending and cash withdrawal limits to match your child’s financial learning journey.
Manage your child’s debit card. Block, temporarily freeze, or replace your child’s card directly from your own ING Banking app. We know accidents happen, which is why the first replacement card for a lost or stolen card is free. (Each additional replacement costs €10.)
"},"title":"How much control do parents have?"},{"componentType":"sectionTitle","title":"How to open this free youth account?"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Make sure you have your child's ID-card.","title":"Get ready"},{"body":"Fill in the online application. It'll take just a few minutes.","textLink":{"text":"I'm not yet an ING client","url":"https://www.ing.be/en/individuals/services/onboarding?product=go_to_18&flow-step=step-do-itsme-phone-number"},"title":"Apply online"},{"body":"You will be contacted as soon as your application has been processed.","title":"Look out for our e-mail"}]}},{"componentType":"cta","textLink":{"text":"Request a free youth account","url":"https://ebanking.ing.be/banking/mobile/accounts/account-for-minors-stp-current?EW=true&flow-step=contact-information"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"Yes. The ING Go to 18 account is free of charge for young people aged 8 to 17. There is no monthly fee for the account or the associated debit card.
Find out more here:
The ING Go to 18 account is designed for children and young people between the ages of 8 and 17. The application must be submitted by a parent or legal guardian.
"},"title":"Who can open an ING Go To 18 Account?"},{"richBody":{"value":"Yes. Even if you are not yet an ING customer, you can open an ING Go to 18 account for your child. You can easily start the application online via this link.
"},"title":"Can I open an ING Go to 18 account even if I’m not an ING customer?"},{"richBody":{"value":"No. The ING Go to 18 account is available for children aged 8 and above.
If you would like to start saving for your child earlier, you can open a savings account. This allows you to build savings for their future from an early age. You can find all information about the savings account here.
I'm already an ING customer. You can easily open an ING Go to 18 account via the ING Banking app or Home’Bank. In the ING Banking app:
1. Tap "Current Accounts" under the "Products" tab.
2. Select the "ING Go to 18" option.
3. Tap "Request your free youth account".
Not yet an ING customer? You can apply for the account online via this link. We'll guide you through the process step by step.
"},"title":"How do I open an ING Go to 18 current account?"},{"richBody":{"value":"The ING Go to 18 account is exclusively held in the child's name. Only one account holder is permitted, and it is not possible to grant power of attorney on this youth account.
However, the parent has full visibility over the account via the Children Overview.
"},"title":"Who is the holder of an ING Go to 18 account?"},{"richBody":{"value":"With the Children Overview feature in the ING Banking app, you can easily keep track of your minor child’s account.
From this overview, you can easily:
This gives you a simple and secure way to stay informed.
Learn more about the Children overview feature.
With the Children Overview feature in the ING Banking app, you can keep an eye on your child’s account and banking activities.
You can:
This helps your child learn how to manage money responsibly, step by step.
"},"title":"What level of control do I have as a parent over the youth account?"},{"richBody":{"value":"Yes. The ING Go to 18 account includes a debit card that allows your child to pay securely in shops, make online purchases and withdraw cash from ATMs.
Contactless payments are also available. The child can use the ING Banking app as from the age of 8.
"},"title":"Does my child receive a payment card with the ING Go to 18 account?"},{"richBody":{"value":"If your child’s debit card is lost or stolen, you can immediately block it through the ING Banking app.
You can then easily request a replacement card. The first replacement for a lost or stolen card is free of charge.
For more information, please visit our support page on lost or stolen cards.
"},"title":"What happens if the debit card is lost or stolen?"},{"richBody":{"value":"When your child turns 18, the ING Go to 18 account is automatically converted into an ING Go pack. Your child can continue using their account and everyday banking services without interruption. The ING Go pack is free for young adults aged 18 to 25. As a result, the monthly package fee only applies from the age of 26 onwards.
From age 18, your child manages the account independently. Any parental access or control ends unless further steps are taken. Read more information for parent and child.
"},"title":"What happens when my child turns 18?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and contact"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"png","original":"https://assets.ing.com/m/339821fea45a86ed/original/Mobile-phone-Icon.png","publishedAt":"2024-03-27T09:54:46Z","transformBaseUrl":"https://assets.ing.com/transform/0b8569d9-0f4e-4c61-a84f-747c63743dcb/Mobile-phone-Icon","type":"image","updatedAt":"2024-06-11T09:49:44Z","width":200},"intro":"Download the ING Banking app","link":{"url":"/en/individuals/daily-banking/ing-banking-app"},"title":"Carry your bank in your pocket"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","publishedAt":"2022-07-04T15:08:57Z","transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","updatedAt":"2022-07-04T15:11:00Z","width":32},"intro":"Discover how easy it can be with ING","link":{"url":"https://ebanking.ing.be/banking/overview"},"title":"Manage your accounts online?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","publishedAt":"2022-07-04T15:08:57Z","transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","updatedAt":"2022-07-04T15:11:00Z","width":32},"intro":"Delete or modify them online","link":{"url":"https://ebanking.ing.be/banking/orders/payments"},"title":"Need to manage your standing orders?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","publishedAt":"2022-07-04T15:08:57Z","transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","updatedAt":"2022-07-04T15:11:00Z","width":32},"intro":"Order a new one via the ING Banking App / Home'Bank","link":{"url":"https://ebanking.ing.be/banking/daily-banking/replace-order-debit-card?EW=true"},"title":"Need a replacement bank card?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/1f7533da13d774f3/original/lock_open_outline_rgb.png","publishedAt":"2022-05-26T14:34:13Z","transformBaseUrl":"https://assets.ing.com/transform/fe96feb6-0a22-4d91-adf9-448ede7b3871/lock_open_outline_rgb","type":"image","updatedAt":"2022-05-31T12:19:48Z","width":267},"link":{"url":"/banking/itsme"},"title":"Create an itsme® account"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/d915f62fd1b7790/original/Man-and-woman-withdrawing-money-at-a-yellow-atm.jpg","publishedAt":"2022-05-26T15:04:35Z","transformBaseUrl":"https://assets.ing.com/transform/9bac73df-2c60-44eb-9d5b-5df8909a209c/Man-and-woman-withdrawing-money-at-a-yellow-atm","type":"image","updatedAt":"2022-08-22T08:58:41Z","width":3264},"intro":"Enter a postcode or town","link":{"url":"/en/individuals/services/branches"},"title":"Looking for a cash dispenser or a cash counter in your area?"}],"componentType":"cards"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Discover more services and contact us","url":"/en/individuals/services"}]}]},"hasMacro":false,"id":"de83d433-fbc2-42da-b002-aa363db62e3e","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"Legal mentions
1 Participation occurs automatically when opening a first current account with ING namely a ING Go To 18 between 17/08/2026 and 27/09/2026 included (subject to acceptance by ING Belgium Participants must deposit minimum 50 euros on the account by 04/10/2026 included. The campaign is open to all private individuals who are at least 18 years old, have their official residence in Belgium and whose child is not yet a (joint) account holder of an ING current account on 17/08/2026. The offer is limited to a single payment of 50 euros per account (whether it is opened in the name of one or more account holders) and per person (one person can only benefit from the offer for one account opened in their name). The amount will be paid by 15/11/2026 included into the current account thus opened. This offer cannot be combined with other ING offers for the same service. Participation in this action implies acceptance of the terms & conditions. You can consult them here, at a branch, or on our website. Customers that do not wish to participate in the action can send an email by 27/09/2026 included to optoutcampaign@ing.com or contact their local ING branch and will not receive any further communication nor will they have their transactional data processed for the purpose of this action.
Legal information concerning the ING go to 18 Account
The ING go to 18 Account is a current account reserved exclusively for young persons under the age of 18. ING must approve the account, and it can be opend with permission from the child's parent or legal guadian. ING does not charge for managing the account or withdrawing money from ATMs in the SEPA zone (some ATM operators charge transaction fees for cash withdrawals).
The ING Go To 18 Account is automatically converted to a Pack ING Go on the day your child turns 18.
Terms and conditions of the ING go to 18 Account (regulations, rates, the Fee Information Document and additional information) are available at all ING branches, at www.ing.be or by phone on +32 2 464 60 04.
Fee is subject to change by prior notification.
Please consult the following documents for full details:
"},"textLinks":[{"text":"General banking Regulations (PDF)","url":"https://assets.ing.com/m/6a745e7b85191fe4/GeneralRegulationsNewEN.pdf"},{"text":"ING Banking Terms and Conditions (PDF)","url":"https://assets.ing.com/m/4f3efb26540a9ad5/original/be-INGBanking-terms-conditions-en.pdf"},{"text":"Payment Transactions Regulations (PDF)","url":"https://assets.ing.com/m/2ebdb334b29b02da/original/PaymentTransactionsSpecialRegulationsNewEN.pdf"},{"text":"General Conditions of the ING Debit Card (PDF)","url":"https://assets.ing.com/m/3819891c28e4dd55/original/ReglementBetaalkaartenFutureEN.pdf"},{"text":"Charges Applied to the Main Banking Services and Transactions for private use (PDF)","url":"https://assets.ing.com/m/4f78f60fd9714d80/original/pricing-list-private-new-EN.pdf"},{"text":"Fee Information Document - ING Go to 18 Account (PDF)","url":"https://assets.ing.com/m/1918bbacdc2868d1/original/FID-ing-go-to-18-future-en.pdf"},{"text":"List of authorised transactions for each co-holder (PDF)","url":"https://assets.ing.com/m/7c0045d846d50fb5/original/Lion_Account_Authorised_Transactions_EN.pdf"},{"text":"Privacy Statement for ING Belgium nv/sa","url":"/en/individuals/daily-banking/personal-data-protection-statement-for-ing-belgium-nv-sa"},{"text":"Deposits protection information sheet (PDF)","url":"https://assets.ing.com/m/caa49fe207460e38/original/deposits_protection_EN.pdf"},{"text":"and the General information regarding accounts, digital channels and cards (PDF)","url":"https://assets.ing.com/m/3ed42f25df2ca5b2/original/general-information-regarding-accounts-digital-channels-and-cards-EN.pdf"}]},{"componentType":"paragraph","richBody":{"value":"ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – Register of Legal Persons (RLP) Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 – www.ing.be – Contact us via ing.be/contact – Insurance broker, registered with the Financial Services and Markets Authority (FSMA) under the number 0403.200.393.
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