How to Connect ING Netherlands to Freenance 2026 — Netherlands PSD2 Open Banking Tutorial

ING is the largest retail bank in the Netherlands, serving roughly 8.5 million Dutch private customers from its iconic orange-lion-branded Betaalrekeningen to Oranje Spaarrekeningen and the InsideBusiness platform. If you live in NL you almost certainly have an ING relationship, and you have the slick ING app on your phone. It is a great banking app — Mijn ING is widely regarded as one of the cleanest mobile banking experiences in Europe — but it is still a banking app, not a personal finance manager. Categorisation is thin, multibank support is bolted-on, Box 3 wealth-tax data is essentially absent, and you cannot see your Bunq, Revolut, or Trade Republic position next to your ING account. This tutorial walks you through connecting ING Netherlands to Freenance via PSD2 in under five minutes and explains how the resulting dashboard helps Dutch users handle Box 3, AOW projection, and cross-border household finance.

TL;DR: Freenance reads your ING NL accounts — Betaalrekening, Oranje Spaarrekening, Kindgericht Sparen, Beleggingsrekening cash leg — through the regulated PSD2 Account Information Service (AIS). You authenticate inside the official ING app using fingerprint, face-ID, or your five-digit Mobiel Bankieren PIN, grant read-only consent for 180 days, and Freenance pulls balances and transactions automatically. Box 3 reference balances on the peildatum (1 January each year) are captured, AOW age and gap analyses are surfaced, and you can finally see ING alongside Bunq, ABN AMRO, Revolut, and Trade Republic in one place.

Sign up and connect your accounts in 5 minutes.

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Why Mijn ING Is Great — and Still Not Enough

The Mijn ING app is famous for being uncluttered. It does what 95 percent of Dutch consumers need: pay bills, do an overboeking, accept incoming iDEAL, manage your Betaalpas. ING also offers a basic budgeting widget called "Inzicht" that shows monthly spending by category. For many people this is sufficient and the app deservedly rates highly in user surveys conducted by Consumentenbond.

What Mijn ING does not do is anything close to multi-bank net-worth tracking, fine-grained tax preparation, or scenario modelling. Inzicht is locked to ING accounts only. There is no way to see ABN AMRO, Rabobank, Bunq, SNS, or DEGIRO alongside your ING data. You cannot tag a transaction as a Box 3 inflow or outflow. You cannot project AOW gap. You cannot run a what-if on the 1.2 percent vermogensbelasting if your savings cross the heffingsvrij vermogen threshold next year.

This matters because Dutch households are increasingly multi-bank. Bunq has crossed 12 million users across Europe, DEGIRO holds millions of Dutch brokerage accounts, Revolut and Wise are routinely the second or third card in a typical wallet, and ASN or Triodos siblings catch the ethical-finance segment. The "primary bank" still tends to be ING, ABN, or Rabobank — but the secondary stack is busy.

Freenance is built as an EU-wide PSD2 aggregator that finally turns this mess into one euro-denominated dashboard.

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How PSD2 Works at ING Netherlands

PSD2 is the EU Revised Payment Services Directive. In the Netherlands it is implemented through the Wet op het financieel toezicht (Wft) and supervised by De Nederlandsche Bank (DNB) and the Autoriteit Financiële Markten (AFM). ING NL exposes its PSD2 endpoints through the Berlin Group NextGenPSD2 standard, just like German banks, with a Dutch-flavoured authentication flow centred on the ING mobile app.

When you connect ING to Freenance, the flow is straightforward. Freenance — operating under a licensed Account Information Service Provider (AISP) — sends an OAuth-style authorisation request to ING. You authenticate inside the official ING app via fingerprint or face-ID. ING issues a consent token valid for 180 days under the latest EBA Regulatory Technical Standards. Freenance uses that token to fetch balances and transactions a few times per day. No password ever leaves the ING environment, and no payment-initiation right is requested.

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Step-by-Step: Connect ING NL to Freenance

Step 1 — Create your Freenance account. Visit freenance.app, sign up with an email and password. The Dutch interface is fully localised. Freenance serves customers across the EEA under EU passporting rules and is set up to handle Dutch tax frames including the Box 3 vermogensbelasting structure.

Step 2 — Add a bank. Click Rekening toevoegen (or Add account) and search for "ING Netherlands". You will see ING NL listed separately from ING DiBa Germany or ING Belgium — pick the Dutch entry. Confirm.

Step 3 — Review the scope. Freenance shows the AIS scopes it is requesting: account list, balances, 90-day transaction history with incremental updates after that, and account-holder identifiers. There is no payment-initiation scope. Confirm and continue.

Step 4 — Authenticate at ING. The browser redirects to ING's official PSD2 portal. You will be asked to open your ING app on your phone, where a push notification appears asking you to approve the consent. Tap to approve and authenticate with face-ID, fingerprint, or your five-digit Mobiel Bankieren PIN. If you do not have the ING app installed, ING falls back to a Scan & Sign code flow using your physical ING Scanner.

Step 5 — Select shared accounts. ING lists every account linked to your login: Betaalrekening, optional joint Betaalrekening, one or more Oranje Spaarrekeningen, any Kindgericht Sparen savings for minors, and the cash leg of your ING Beleggen brokerage if you have one. Tick the ones to share — typically all.

Step 6 — Return to Freenance and watch the first sync. ING redirects you back to Freenance. The initial pull takes 15–30 seconds, after which 90 days of transactions populate the dashboard, balances appear, and ING is fully integrated. Future syncs are automatic.

Sign up and connect your accounts in 5 minutes.

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What Freenance Reads — and Auto-Categorises in Dutch

Once connected, Freenance categorises automatically with a Dutch-aware classifier. Albert Heijn, Jumbo, and Lidl fall under boodschappen. Vattenfall and Eneco under energie. NS and OV-Chipkaart top-ups under vervoer. Coolblue, Bol.com, and Marktplaats under shopping. Salaris and Salaris Loonheffing are flagged as inkomen. Belastingdienst transactions are flagged as belasting.

You can override any category, create custom ones, and Freenance learns. You can also tag transactions across multiple custom dimensions — for example, "verhuurinkomen" if you let out a kamer through Kamernet, or "ZZP" if you are a self-employed zelfstandige routing some income through your Betaalrekening before it goes to a separate zakelijke rekening.

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Box 3 Vermogensbelasting: The Dutch Tax Headache Freenance Helps With

Box 3 is the unique Dutch tax on assumed yield from net wealth. Every year on the peildatum — 1 January — the Belastingdienst measures the total value of your spaargeld, beleggingen, and other vermogensbestanddelen across all institutions. Above the heffingsvrij vermogen (roughly €57,000 per person in recent years; check current figures for 2026), the assumed yield is taxed at 36 percent (the latest rate in the long-running Box 3 reform).

The problem for most Dutch taxpayers is reconstructing the peildatum balance across multiple banks and brokers. ING shows you ING balances. ABN shows you ABN balances. DEGIRO shows you DEGIRO. There is no native cross-bank "totaal vermogen op 1 januari" view in any single banking app.

Freenance solves this directly. Because it acts as an EU-wide PSD2 aggregator, the dashboard preserves a year-end snapshot of every connected account. On 1 January you have a single euro figure summing every ING balance, ABN balance, Bunq balance, plus any manually-entered DEGIRO, BUX, or Trade Republic position. That figure feeds straight into your Belastingdienst aangifte's Box 3 section, with an audit trail going back through Freenance's transaction history. None of this is tax advice — you should consult a belastingadviseur for anything material — but it is the kind of data hygiene that turns Box 3 from a stressful annual scramble into a five-minute reconciliation.

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AOW Pension Projection and Pijler Gaps

The Dutch pension system has three pillars: AOW (state pension, paid from age 67 in current rules and creeping up), occupational pension via your employer's fonds (ABP for civil servants, PME for metalworkers, PFZW for healthcare, and so on), and private third-pillar savings.

ING shows you what is in ING. It does not show you your AOW projection, your pensioenoverzicht.nl aggregate, or your third-pillar IRA-equivalent (lijfrente) accumulation. Freenance can ingest manual AOW age and projected payout, sit next to your synced ING and ABN balances, and produce a forward-looking net-worth chart. You can tag your maandelijkse spaaropdracht as "pensioen" and Freenance will calculate the future value of those contributions at any assumed real return rate.

Again — not investment advice. Freenance is informational. For specific retirement planning advice consult a registered Dutch financieel adviseur or fee-only planner.

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ING + Bunq + DEGIRO + Trade Republic in One Dashboard

Here is the typical Freenance dashboard for an Amsterdam-based product manager in 2026. ING NL Betaalrekening holds salary, rent, and household direct debits. Bunq Premium holds discretionary spending and travel money in multi-currency. An ING Oranje Spaarrekening holds the emergency fund. A DEGIRO Custody Account holds ETF positions. A Trade Republic depot holds a small Sparplan in IWDA. ASR holds the lijfrente contributions for third-pillar pension.

Without Freenance, this person opens five apps for net worth. With Freenance, they see one screen: €84,500 across five connections, a 30-day cashflow chart, and a Box 3 projection for the next peildatum. Spending categories aggregate across all banks, so groceries paid with the ING Maestro, the Bunq Mastercard, or the Revolut card all roll up into one boodschappen line.

This is the EU-wide PSD2 aggregator experience Dutch users have been quietly demanding since the AFM started supervising AISPs in 2019.

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Troubleshooting: Common Issues During the ING NL Connection

The vast majority of ING NL connections work first time, but a few situations crop up. If the push notification to your ING app never arrives, the first thing to check is whether your phone has the latest version of the ING app from the App Store or Google Play — older versions sometimes fail to receive PSD2 push notifications correctly. The second thing to check is whether you have notifications enabled for Mobiel Bankieren at the OS level.

If you are a houder on a joint Betaalrekening with your partner and the joint account does not appear during the account-selection step, that account is most likely registered against the other holder's Mobiel Bankieren login rather than yours. Each holder has their own ING login and their own PSD2 consent surface — the partner needs to connect Freenance from their own ING login to expose the joint account from their side.

If you have an old ING product that pre-dates the most recent product migrations, such as a Bonus Renterekening or a Plus Sparen account that has since been wound down, you may notice the account exists in your "old products" view inside Mijn ING but does not appear via PSD2. ING only exposes currently-active products through the AIS endpoint; dormant or wound-down accounts do not flow.

Brokerage accounts at ING Beleggen expose only the cash leg through PSD2, not the actual securities holdings. If you want a full beleggingsportefeuille view in Freenance, you either enter the position data manually or use a separate broker-side connection where available.

Use Case: The Amsterdam-Based Cross-Border Engineer

Take Ruben, 37, a senior engineer at an Amsterdam scale-up. He earns €115,000 base plus equity, contributes to the company pension fund, and runs a side project that occasionally invoices a Belgian client. His financial stack: an ING NL Betaalrekening for salary and rent, an ING Oranje Spaarrekening with €25,000 emergency fund, a Bunq Premium for discretionary spending and travel cards, a DEGIRO Custody account with €60,000 in IWDA, a Belgian KBC account for the side-project invoicing because the Belgian client insists, and a small Trade Republic Sparplan he started for his daughter.

Before Freenance, Ruben's quarterly check-in on his finances was a 90-minute Sunday-afternoon spreadsheet exercise across six different banking interfaces. With Freenance, all six accounts sync via PSD2 (DEGIRO via manual + broker-side feed, Trade Republic via PSD2), the dashboard sums everything into one euro figure, and the Box 3 projection for 1 January 2027 is visible on the home screen. The Belgian KBC account flows naturally into the same euro view — Freenance treats it as one more European bank.

This is exactly the workflow an EU-wide PSD2 aggregator is meant to deliver, and Dutch users with cross-border lives are among the heaviest beneficiaries.

Privacy, Security, and Revocation

Your ING password never touches Freenance — you enter it only on ING's official login page. The token Freenance receives is OAuth-style, restricted to AIS scopes, valid for 180 days, and can be revoked at any time from either side. ING revocation is in Mijn ING → Instellingen → PSD2-toestemmingen. Freenance revocation is one click in the connections page and immediately calls ING's revocation endpoint.

Freenance is GDPR-compliant, encrypts data at rest, and earns revenue from subscriptions only — there is no advertising and no selling of transaction data.

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Frequently Asked Questions

Is connecting ING via PSD2 safe? Yes. PSD2 is supervised by DNB and AFM in the Netherlands. Freenance receives only the scopes you approve, the access is read-only, and you authenticate inside the official ING app. You can revoke at any time.

Is Freenance free? There is a free tier covering core features and a paid tier with advanced budgeting and unlimited connections. ING does not charge anything for PSD2 access — that is mandated by EU law.

How long does it take? Most people finish in under five minutes. The first sync of 90-day transaction history takes about 15 to 30 seconds.

Does Freenance handle Box 3 automatically? Freenance gives you the data — a euro-denominated snapshot across every connected account on the peildatum and any other date you ask for. The actual aangifte you still fill out yourself in MijnBelastingdienst or with a belastingadviseur.

Does Freenance give financial or tax advice? No. Freenance is an informational PFM tool. Specific tax or investment questions should go to a licensed Dutch belastingadviseur or financieel adviseur.

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Further Reading

• Investing in Netherlands 2026 — ETFs, Brokers, Box 3 Tax Guide
• How to Import Bank Transactions into a PFM Tool
• How to Manage Multiple Bank Accounts Without Losing Your Mind

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ING is the default first bank for millions of Dutch households and a great one. Freenance does not compete with it — it sits on top, pulls your transactions through the regulated PSD2 interface, and lets you finally see your full vermogen on one screen, with Box 3 and AOW visibility that no banking app provides. Setup takes five minutes.

Sign up and connect your accounts in 5 minutes.