An ING Business Account is a deposit account for professional use which combines the benefit of a possible interest rate with the flexibility of accessing your funds at any time.
You cannot pay directly from a Business Account. You need first to transfer funds from your Business Account to your ING current account for professional use.
"}},{"componentType":"sectionTitle","title":"For whom?"},{"componentType":"paragraph","richBody":{"value":"For companies and institutions who want to deposit money but in the meantime having the flexibility to use the funds at any time.
"}},{"componentType":"sectionTitle","title":"Opening and managing this account"},{"componentType":"paragraph","richBody":{"value":"How can you open an account? You can open a Business Account at your ING branch. Your Business Account is activated when you first transfer funds into this account.
The ING Business Account is a subaccount of an ING current account for professional use (Reference Account). It is intended exclusively for holders of a Reference Account. The ING Business Account is only available to legal persons and natural persons, provided that it is used solely for professional purposes. An account holder or mandate holder of the Reference Account may apply to open an ING Business Account linked to that account.
How do you manage it? The use of a Business Account is very simple.
Interest is calculated based on daily rate. Interest payment is paid directly into your ING Business Account on a quarterly basis.
Current interest rate is 0%. The interest rates are gross and applies on an annual basis and are subject to change at any time. The current rates are available at your ING contact any time. If the interest rates change, we will inform the account holder via their account statements, or via email.
You can withdraw from the credit balance on your Business Account at any time. When you do so, the withdrawn funds are credited to the linked current account with the same value date.
"}},{"componentType":"sectionTitle","title":"Costs"},{"componentType":"paragraph","richBody":{"value":"
There is no fee for opening, transfer and managing and closing the ING Business Account, nor for any credit or debit transaction on this account.
Online transactions and account statements via your online channel are free of charge. Fees are applicable sending statements to your postal address, at the specified charges applied.
"}},{"componentType":"sectionTitle","title":"Taxation"},{"componentType":"paragraph","richBody":{"value":"The ING Business Account is a subaccount of the ING Current Account for professional use. The interest on the capital of the ING Business Account (if any) is subject to withholding tax (currently 30%).
"}},{"componentType":"sectionTitle","title":"Risks"},{"componentType":"paragraph","richBody":{"value":"This account is subject to Belgian law.
Bankruptcy risk: The deposit guarantee scheme protects your savings up to 100,000 euros, Deposits protection information sheet. It does not cover anything above that amount, which could potentially be lost or be subject to a reduction or conversion into shares (bail-in).
Note: The deposit guarantee scheme applies to private individuals, associations and small and midsized enterprises.
Inflation risk: continuous price increases can cause the deposited money to lose value.
No Key information for savers document is available for this account.
"}},{"componentType":"linkList","iconTitle":{"title":"Links"},"textLinks":[{"url":"https://assets.ing.com/m/6a745e7b85191fe4/GeneralRegulationsNewEN.pdf","text":"ING Belgium's General Regulations (including the General Terms and Conditions for ING Customer Services, Home’Bank/Business’Bank, Extrabranch Mobility e-ID for Branch, Payconiq for ING BE and Belgian Mobile Identity for ING BE) (PDF)"},{"url":"https://assets.ing.com/m/2d1d8ce98ed7c63a/original/BusinessAccounttermsandconditions_EN.pdf","text":"ING Business Account Regulations (PDF)"},{"url":"https://assets.ing.com/m/6a745e7b85191fe4/GeneralRegulationsNewEN.pdf","text":"General information regarding accounts, digital channels and cards (PDF)"},{"url":"https://assets.ing.com/m/caa49fe207460e38/original/deposits_protection_EN.pdf","text":"Deposits protection information sheet (PDF)"},{"url":"https://assets.ing.com/m/6eb2056b726a5/annual-interest-rates-on-ing-accounts-EN.pdf","text":"Annual interest rates on ING accounts (PDF)"}]},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"Our Complaints Department and Ombudsman are there to help you.
"}},{"componentType":"cta","textLink":{"url":"https://www.ing.be/fr/professionnel/services/contactez-nous","text":"I want to open this account"}},{"componentType":"sectionTitle","title":"Services and Contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Manage your finances with Business’Bank","intro":"Discover our desktop platform for professionals","image":{"transformBaseUrl":"https://assets.ing.com/transform/68c05a5e-72d8-48a6-a2c5-29ebea790125/icon-inzicht","type":"image","width":200,"original":"https://assets.ing.com/m/7c87c8861ed7f6b1/original/icon-inzicht.png","extension":"png"},"link":{"url":"/en/business/payments/business-bank"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Already a client?","intro":"Make an appointment with your banker.","image":{"transformBaseUrl":"https://assets.ing.com/transform/966e5eec-509c-4850-bd72-0b106972929a/Mobile-Banking-app","type":"image","width":160,"original":"https://assets.ing.com/m/2b9ecb5d0ba099dc/original/Mobile-Banking-app.svg","extension":"svg"},"link":{"url":"https://www.ing.be/en/individuals/services/contact-us-appointment?flow-step=subject"}}]},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"/en/business/services","text":"All services and how to contact us"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also consider"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Compare different savings accounts for business","intro":"Choose a savings account that suits your need","image":{"transformBaseUrl":"https://assets.ing.com/transform/da9f96b2-0dca-457d-9ef6-5e8d7244b54d/Businessmen-showing-their-colored-socks-together","type":"image","width":2800,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/7058e9b7cef8d3f0/original/Businessmen-showing-their-colored-socks-together.jpg","extension":"jpg"},"link":{"url":"/en/business/save-and-invest/compare-saving-accounts"}}]},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"A good business plan? (FR)","intro":"5 tips for writing one","image":{"transformBaseUrl":"https://assets.ing.com/transform/7a763db3-4343-4121-9c33-fee66872b4c8/Close-up-of-female-accountant-or-banker-making-calculations","type":"image","width":2508,"original":"https://assets.ing.com/m/47dde74125d2d6d7/original/Close-up-of-female-accountant-or-banker-making-calculations.jpg","extension":"jpg"},"link":{"url":"/en/business/starters/business-plan"}}]}]}}}