| Base rate | Fidelity premium |
|---|---|
| 0.10% | 0.25% |
The base rate accrues from the day after the money is deposited to the account until the day on which it is withdrawn. This base rate is subject to change by the bank at any time. The interest is paid into your account on the value date of 1 January or when you close the account.
The fidelity premium is only earned on amounts that have remained in the non-regulated savings account continuously for 12 months after they were deposited. If you withdraw your money before the end of the 12-month period, you will not receive a fidelity premium on that money. This withdrawal will not affect the acquisition of the base rate.
"}},{"componentType":"sectionTitle","title":"Easy access to your money"},{"componentType":"paragraph","richBody":{"value":"Because things can change month to month : you choose to deposit the amount that's right for you. Need that money back? Your savings remain available at any time at no extra charge.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"The ING Savings Account Pro is a non-regulated savings account offered to companies (legal entities) and the self-employed.
A non-regulated savings account does not fall under the legislation of a regulated savings account. This means that there is no obligation to apply a minimum guaranteed base interest or fidelity premium. The applicable withholding tax is 30% and applies to the full amount of interest earned.
"},"title":"Who can have an ING Savings Account Pro?"},{"richBody":{"value":"If you're a self-employed, request your ING Savings Pro Account via the ING Banking App or via Business'Bank.
"},"title":"I'm a self-employed. How do I open this account, as an ING customer?"},{"richBody":{"value":"If you represent a company, request your ING Savings Pro 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're not an ING customer yet and would like to open an ING Savings Account Pro, please complete the contact form. One of our advisors will get in touch to help you open your account.
"},"title":"I am not an ING customer yet. How do I open this account?"},{"richBody":{"value":"There are no fees for managing and closing the ING Savings Account Pro or for credit transfers. Online transactions and account statements via your online channels are free of charge. Fees do apply for sending statements to your postal address. For details, please refer to the brochure on applicable charges.
"},"title":"What are the costs?"},{"richBody":{"value":"The ING Savings Account Pro is a non-regulated savings account. This means that you pay 30% withholding tax on the credited interest. This withholding tax is deducted from the interest paid to your account.
Interest from an account assigned to your professional activity is considered professional income for tax purposes and, as such, is therefore taxable. If you wish to open an account that is not linked to your professional activity, please check out these savings products.
"},"title":"What taxes apply?"},{"richBody":{"value":"The current base interest rate is 0.10%. The interest rate is a gross amount applied on an annual basis and is subject to change at any time. The applicable interest rate is available online and at all ING branches. If the interest rate changes, we will inform you in your account statement.
"},"title":"What is the interest rate?"},{"richBody":{"value":"This account is subject to Belgian law.
Bankruptcy risk: The deposit guarantee scheme protects your savings up to 100,000 euros. For more information, please see the deposits protection information sheet.
The deposit guarantee scheme doesn’t cover anything above 100,000 euros, which means higher amounts 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":"What are the risks?"},{"richBody":{"value":"Our Complaints Department and Ombudsman are there to help you.
"},"title":"Do you have a complaint?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Also good to know"},{"cards":[{"body":"What are the short-term savings options?","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2026-02-17","image":{"extension":"jpg","original":"https://assets.ing.com/m/5149084f5411452/original/Goede-corporate-governance.jpg","transformBaseUrl":"https://assets.ing.com/transform/01f2eb69-116f-4c6d-a079-f378168b352f/Goede-corporate-governance","type":"image","width":5873},"link":{"url":"/en/business/save-and-invest/business-saving"},"title":"Boost business cash reserves through smart saving"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Documents"},{"componentType":"paragraph","richBody":{"value":"Please read the following documents before opening a non-regulated savings account.
No document on key information for savers is available for this account.
"}},{"componentType":"linkList","iconTitle":{"title":"Links"},"textLinks":[{"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/6a745e7b85191fe4/GeneralRegulationsNewEN.pdf"},{"text":"General information regarding accounts, digital channels and cards (PDF)","url":"https://assets.ing.com/m/3ed42f25df2ca5b2/original/general-information-regarding-accounts-digital-channels-and-cards-EN.pdf"},{"text":"Terms and Conditions of the ING Savings Account Pro (PDF)","url":"https://assets.ing.com/m/cfad43a7bffe93ee/INGSavingsAccountPro_termsandconditions_EN.pdf"},{"text":"Charges applied to the main banking services and transactions for professional use (PDF)","url":"https://assets.ing.com/m/af93acbacdbe6013/original/pricing-list-pro-new-en.pdf"},{"text":"Deposit protection information sheet (PDF)","url":"https://assets.ing.com/m/caa49fe207460e38/original/deposits_protection_EN.pdf"},{"text":"Annual interest rates on ING accounts (PDF)","url":"https://assets.ing.com/m/6eb2056b726a5/annual-interest-rates-on-ing-accounts-EN.pdf"}]},{"componentType":"sectionTitle","title":"How do you open an ING Savings Account Pro as an ING customer?"},{"componentType":"paragraph","richBody":{"value":"Log in via the ING Banking App or via Business'Bank and request your ING Savings Account Pro.
"}},{"componentType":"cta","textLink":{"text":"I want this account for my company","url":"https://ebanking.ing.be/banking/savings-accounts/open-savings-pro-le?EW=true"}},{"componentType":"cta","textLink":{"text":"I want this account as a self-employed person","url":"https://ebanking.ing.be/banking/accounts/open-account-be?flowname=savings_pro_se&EW=true"}},{"componentType":"sectionTitle","title":"Not yet an ING customer and would like to open this account?"},{"componentType":"cta","textLink":{"text":"Contact us","url":"/en/business/save-and-invest/business-saving-accounts"}}]},"hasMacro":false,"id":"65863102-d9b8-477f-819e-f2915b01e466","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Save and invest","url":"/en/business/save-and-invest"}},"componentType":"productHeader","coreHeader":{"body":"More than 30,000 customers have already opened an ING Savings Account Pro. Join them now and benefit from the return it generates.","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/1f38a15f2fbe8231/original/Businessman-moving-through-the-city-on-his-bike.jpg","transformBaseUrl":"https://assets.ing.com/transform/09a71ba0-2766-4030-a663-9bfab9d5d64c/Businessman-moving-through-the-city-on-his-bike","type":"image","width":5700},"subtitle":"ING Savings Pro, for the self-employed and companies: a non-regulated savings account with permanent access to your money.","title":"Get a savings account for your business!"},"usps":[{"body":"Free","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/6716bef44a00873b/original/Transactions-Payment_Request_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/a7d6cbed-1598-4833-9544-de6d8e2f3a10/Transactions-Payment_Request_Euro_Outline","type":"image","width":32}},{"body":"Easy to open online","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/87de17753527870/original/Devices-Mobile_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/e11b948e-a347-41d9-a25f-8a070310b9b3/Devices-Mobile_Outline","type":"image","width":32}},{"body":"No minimum or maximum amount","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/322ddaa7a44e9598/original/Savings_goals-Pig_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/5455fc3f-9953-4879-925c-06db6daa2665/Savings_goals-Pig_Outline","type":"image","width":32}}]},"publishDate":"2026-02-18T10:25:34.667+01:00"}}