The package is available to all self-employed persons, liberal professionals and companies set up less than 18 months ago. Excluded from the ING Starters Package are medium or large companies (balance sheet ≥ €2,000,000 or/and income ≥ €4,000,000), Public or Non-profit sector clients (balance sheet ≥ €1,000,000).
Even if you already have a business, you can use the ING Starter Package for your new venture. Has your business existed for more than 18 months? Then, of course, you can still open a business account; you just won’t be able to take advantage of the discounts in the package.
"}},{"title":"What happens after 18 months?","richBody":{"value":"After 18 months, you can no longer claim the starter discount when opening new products, but the normal rates will apply.
However, the starter discount on the products you did purchase in the first 18 months of your business will still apply. This for the period as stated above and in the terms & conditions. For one product this might be 6 months, for another it can be up to 2 years. So be sure to check out the benefits of each product. After this period expires, normal rates will apply here as well.
"}},{"title":"How to pass on my CBE number?","richBody":{"value":"Are you self-employed? Then you can easily do this online: log in to Business'Bank, select your professional profile and click on the profile icon at the top right of the screen. Then choose 'Personal data' from the drop-down menu and select 'Edit'.
Don't forget to provide your CBE number as soon as possible! Until we receive your CBE number, the starters package discounts do not apply and you will have to pay the usual prices.
"}},{"title":"What if I don’t have a CBE number yet?","richBody":{"value":"Until you provide a CBE number, the starter package discounts will not apply and you will have to pay. Fortunately, you often receive your CBE number straightaway and we can sort everything out quickly.
You can request a CBE number at one of our partners:
"}},{"title":"Already an ING customer for your personal banking?","richBody":{"value":"Then, of course, you can also make use of the package when opening your account as a self-employed person or a company.
Do you want to become self-employed and are already an ING customer? Then it’s even easier to open your account via the ING Banking app or Home’Bank. A few steps are all it takes to open your professional account and get going straightaway with your account number. Go to the ING Banking app or Home’Bank > Products > Current accounts > ING Professional current account.
"}},{"title":"Do I really need a separate business current account for my activity?","richBody":{"value":"If you operate through a company (legal entity) in Belgium, you’re legally required to keep a separate account. If you are self‑employed (sole trader), using a dedicated business account keeps private and professional transactions apart (helps your accountant, supports audits, and fees are typically tax‑deductible).
"}},{"title":"How do I open an ING business current account as a self‑employed person?","richBody":{"value":"You can start digitally (ING app or Business’Bank) or via ing.be; the flow is designed to be straight‑through for eligible residents, with manual review possible under CDD/KYC rules.
"}},{"title":"What is KYC and why do banks ask for documents?","richBody":{"value":"KYC (“Know Your Customer”) is a legal requirement to protect customers and the financial system. Expect to provide identification and business information (e.g., CBE, NACE; and for companies, UBO details).
"}},{"title":"What fees apply and are there starter advantages?","richBody":{"value":"Product pricing is listed on ing.be. For starters, ING runs a Starters Package with promotional advantages. Always check the current T&Cs and promotion window (e.g., 01/01/2026–31/12/2026) and note all products are subject to acceptance and mutual agreement.
"}},{"title":"I am opening a company account, what extra should I prepare?","richBody":{"value":"Beyond CBE and NACE, companies should ensure UBO (beneficial owner) information is up to date and be ready to explain the purpose and intended nature of the relationship (expected activity and flows).
"}},{"title":"Are non‑residents eligible to open an ING business account online?","richBody":{"value":"The digital STP flow is targeted primarily at Belgian residents; there is limited availability for certain non‑resident cases (neighbouring countries + Spain). If your case falls outside scope, an assisted route applies.
"}},{"title":"What if my application is not approved?","richBody":{"value":"All banking products and credit facilities are subject to acceptance by ING Belgium and mutual agreement; if requirements aren’t met, the bank may decline the application.
"}},{"title":"Does ING support e‑invoicing (Peppol) for starters?","richBody":{"value":"Yes. ING Invoice Manager is Peppol‑ready and is there to help entrepreneurs comply with e‑invoicing requirements.
"}},{"title":"Can starters access cards or financing?","richBody":{"value":"Yes, subject to credit approval. Examples include ING Mastercard Business for professional expenses and ING Business Line working‑capital solutions; always see product pages and T&Cs for eligibility and fees.
"}},{"title":"Where can I read the Starters Package T&Cs?","richBody":{"value":"See the General Terms & Conditions for starters (available per language) for eligibility, dates, and product‑specific rules.
"}},{"title":"How does ING safeguard my data during onboarding?","richBody":{"value":"The bank follows group AML/CTF policy and record‑retention obligations, ensuring auditability and compliance with applicable laws.
"}},{"title":"What documents do I need to open a professional account at ING?","richBody":{"value":"itsme (or ID if itsme not available), CBE (not needed for SE), NACE, UBO (for companies), purpose/nature of relationship; note acceptance conditions.
"}}]}]}}}