Transparency is important to us. That is why we are also clear about when costs do apply. Do you opt for extra financial flexibility by paying your bill in instalments? Then, after the first interest-free period, interest will be charged. Want to withdraw cash at an ATM? No problem, but then we charge a small fee for that service. And in the unlikely event that you are late in paying, reminder costs may apply. Full details can be found in our terms and conditions and cost overview, so you know exactly where you stand, with no surprises or hidden costs. Clear and clear!