| Base rate | Fidelity premium | |
|---|---|---|
| ING FlexiBonus Account 3 | 0,20% | 0,10% |
| ING FlexiBonus Account 6 | 0,20% | 0,20% |
Choose between the ING FlexiBonus Account 3 (a savings account with a fidelity premium after 3 months) and an ING FlexiBonus Account 6 (a savings account with a fidelity premium after 6 months)
In addition to a 0.20% base interest rate, you’ll receive a fidelity premium of 0.10% for 3 months or 0.20% for 6 months of savings, depending on the time period you choose. These gross interest rates are before any applicable fees and/or taxes.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/3fab057d-bd71-4819-91f2-ebbfae34ffdb/Woman-tending-to-her-succulent-plants","original":"https://assets.ing.com/m/642f04cea2cc0a4f/original/Woman-tending-to-her-succulent-plants.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Short-term savings"},{"componentType":"paragraph","richBody":{"value":"You choose how much to save, and you also choose the fidelity premium period. No minimum or maximum amounts apply. Each time the fidelity premium period ends, it renews automatically.
"}},{"componentType":"sectionTitle","title":"Easy access to your money"},{"componentType":"paragraph","richBody":{"value":"You can access your funds whenever you need them: simply transfer them to your current account. The account holder(s), the mandate holder(s), as well as their powers on the ING FlexiBonus Account are identical to those on the reference account.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What are the costs?","richBody":{"value":"You can open and manage this savings account 100% free of charge. Credit transfers from and to your ING current account are also free. And you can make transfers yourself online via Business'Bank or Telelink Online
Fees apply when sending statements to your postal address. For details, please refer to the brochure on applicable charges.
"}},{"title":"I'm self employed. How do I open a Flexibonus as an ING customer?","richBody":{"value":"If you are self-employed, request your ING Flexibonus Account via the ING Banking App or via Business’Bank.
"}},{"title":"I represent a company. How do I open this account as an ING customer?","richBody":{"value":"If you represent a company, request your ING Flexibonus Account via the ING Banking App or via Business’Bank.
"}},{"title":"I'm not yet an ING customer. How do I open this account?","richBody":{"value":"If you're not an ING customer yet and would like to open an ING Flexibonus Account, please complete the contact form. We'll guide you through the process.
"}},{"title":"What taxes apply?","richBody":{"value":"The ING FlexiBonus Account is a non-regulated savings account. This means that you pay 30% withholding tax on all interest. This withholding tax is deducted from all interest payments. Interest from an account assigned to your professional activity is considered professional income for tax purposes and is taxable as such. If you wish to open an account that is not linked to your professional activity, please check out these products.
"}},{"title":"What is the interest rate?","richBody":{"value":"The current interest rate is 0.20%. Interest rates are expressed on an annual basis and are subject to change. You can always find current rates online and at all ING branches. If there is a change in the interest rate, we will inform the account holders via their account statements. You can easily consult your balance via your account statements in Home’Bank, Business’Bank and the ING Banking app.
"}},{"title":"How is the interest calculated?","richBody":{"value":"The base rate is calculated on the basis of the actual number of days elapsed per month on the basis of a 365-day year (ACT/365).
The bonus interest is granted for funds that remain in the ING FlexiBonus Account until the end of the bonus period. It is calculated on the basis of a 30-day month and a 360-day year (30/360). The bonus interest will not change
during the entire bonus period. It is based on the balance of the account for 3 or 6 consecutive months, depending on the applicable term of the account.
After each bonus period, the base and bonus interest are paid directly into your ING FlexiBonus account. This payout takes place after 3 months for an ING FlexiBonus Account 3 or after 6 months for an ING FlexiBonus Account 6. For more details, please refer to section VI in the ING FlexiBonus Account Regulations.
Both the base interest and bonus interest are subject to withholding tax.
"}},{"title":"What are the risks?","richBody":{"value":"This account is subject to Belgian law.
Bankruptcy risk: The deposit guarantee scheme protects your savings up to 100,000 euros. Please refer to the deposits protection information sheet.
The guarantee does not cover anything above that amount. As such, amounts over 100,000 euros could 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 companies.
Inflation risk: continuous price increases (inflation) can cause the deposited money to lose value.
"}},{"title":"Do you have a complaint?","richBody":{"value":"Our Complaints Department and Ombudsman are there to help you.
"}}]},{"componentType":"sectionTitle","title":"Also good to know"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Boost business cash reserves through smart saving","body":"Which are the short-term savings options ?","image":{"transformBaseUrl":"https://assets.ing.com/transform/01f2eb69-116f-4c6d-a079-f378168b352f/Goede-corporate-governance","type":"image","width":5873,"original":"https://assets.ing.com/m/5149084f5411452/original/Goede-corporate-governance.jpg","extension":"jpg"},"date":"2026-02-17","link":{"url":"/en/business/save-and-invest/business-saving"}}]},{"componentType":"sectionTitle","title":"Important Documents"},{"componentType":"paragraph","richBody":{"value":"This account has clear and simple terms and conditions. Before you open it, however, we recommend that you read these useful documents to learn all the details.
No document on key information for savers 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/bdc4b18f6f97c4de/FlexiBonusAccountRegulationsUPDATE_EN.pdf","text":"ING FlexiBonus Account regulations (PDF)"},{"url":"https://assets.ing.com/m/3ed42f25df2ca5b2/original/general-information-regarding-accounts-digital-channels-and-cards-EN.pdf","text":"General information regarding accounts, digital channels and cards (PDF)"},{"url":"https://assets.ing.com/m/af93acbacdbe6013/original/pricing-list-pro-new-en.pdf","text":"Charges applied to the main banking services and transactions for professional use (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":"How do you open your account as an ING customer?"},{"componentType":"paragraph","richBody":{"value":"Log in via the ING Banking App or via Business'Bank and request your ING FlexiBonus Account.
It is possible to hold both an ING FlexiBonus Account 3 and an ING FlexiBonus Account 6. You can use both accounts simultaneously.
"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/savings-accounts/open-flexibonus-for-le?EW=true","text":"I want this account for my company"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/daily-banking/open-flexibonus","text":"I want this account a a self-employed person"}},{"componentType":"sectionTitle","title":"Not yet an ING customer and you would like to open a savings account?"},{"componentType":"cta","textLink":{"url":"/en/business/save-and-invest/business-saving-accounts","text":"Contact us"}},{"componentType":"feature","featureName":"scrolling-cta?product=flexibonus"}]}}}