PAGE 1





CONSENT OF INDEPENDENT AUDITORS

We consent to the reference to our firm under the caption
"Auditors" and to the use of our report dated February 8, 1996 in
the Post-Effective Amendment number 17 to Registration Statement
Number 2-95577 on Form S-1 and related prospectus of IDS
Certificate Company for the registration of its IDS Flexible
Savings Certificate, IDS Cash Reserve Certificate, IDS Installment
Certificate, IDS Future Value Certificate, IDS Stock Market
Certificate and American Express Stock Market Certificate.

Our audits also included the financial statement schedules of IDS
Certificate Company listed in Item 16(b) of this Registration
Statement.  These schedules are the responsibility  of the
management of the IDS Certificate Company.  Our responsibility is
to express an opinion based on our audits.  In our opinion, the
financial statement schedules referred to above, when considered in
relation to the basic financial statements as a whole, present
fairly in all material respects the information set forth therein.




ERNST & YOUNG LLP

Minneapolis, Minnesota
April 18, 1996