{"type":"document","data":{"id":"8e220f9e-6ca1-49bf-9e4f-5e4a59469599","localeString":"en-GB","publishDate":"2026-04-27T09:47:44.254+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Starting your business or becoming self-employed? Open your business account online and receive your ING Starters Package. Up to 1,200 euros of benefits."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"1 year free business account & credit card","icon":{"transformBaseUrl":"https://assets.ing.com/transform/93d7e264-5da8-4e6a-8edd-a112ff3c76c4/target-icon","type":"image","width":267,"altTextEN":"crosshair, target","altTextNL":"visier, doelwit","original":"https://assets.ing.com/m/1c0e09ce072e6344/original/target-icon.png","extension":"png"}},{"body":"Up to €1,200* in discounts on a wide range of products","icon":{"transformBaseUrl":"https://assets.ing.com/transform/3e2696d3-5994-4ac7-b032-b0389ada307f/Tags_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4b46d6e33948b81d/original/Tags_outline_orange_RGB.png","extension":"png"}},{"body":"Personal advice for starting entrepreneurs","icon":{"transformBaseUrl":"https://assets.ing.com/transform/6b660937-5dac-4a85-b5da-223c40f46beb/3-persons_outline_orange_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/56d947ad7df7c680/original/3-persons_outline_orange_RGB.png","extension":"png"}}],"cta":{"componentType":"cta","textLink":{"url":"/en/business/payments/professional-current-account","text":"Open an account as a self-employed"}},"secondaryCta":{"textLink":{"url":"/en/business/payments/current-account-for-companies","text":"Open an account for your business"}},"coreHeader":{"body":"Join 73,000 other start-ups in taking advantage of the ING Starters Package. All you have to do is open a business current account and we will ensure a smooth and inexpensive start.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/214589ac-ca40-4758-849d-35ff75dba29d/Four-happy-colleagues-sit-around-a-table-with-their-computers-and-phones-in-the-office","type":"image","width":1920,"original":"https://assets.ing.com/m/2a2365f70226b5b5/original/Four-happy-colleagues-sit-around-a-table-with-their-computers-and-phones-in-the-office.jpg","extension":"jpg"},"title":"ING Start-up Package","subtitle":"Started your business less than 18 months ago or planning to start your business? Then get your business account for free and receive 1,200 euros in benefits!","promoText":"Up to 1,200 euros* in discounts for starters"},"backLink":{"textLink":{"url":"/en/business/starters","text":"Starting your business"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why the Starters package?"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/583148bc-3ac5-4239-ae3d-2f7d9ac8c0b9/A-young-woman-sips-her-coffee-and-sits-at-a-table-with-her-laptop","type":"image","width":1920,"original":"https://assets.ing.com/m/5a2373dbe7131762/original/A-young-woman-sips-her-coffee-and-sits-at-a-table-with-her-laptop.jpg","extension":"jpg"},"highlighted":false,"items":[{"body":"Benefit from unique discounts of up to 1,200 euros on products thanks to our collaboration with recognized partners. This helps you save costs and start your business efficiently.","title":"Exclusive discounts on your products"},{"body":"Receive guidance from experienced advisors who specialize in start-ups. This way you can easily identify growth opportunities and avoid common pitfalls.","title":"Expert advice"},{"body":"Easily manage your finances via our app and the Invoice Manager. Get real-time insight into your cash flow and send or receive invoices quickly and effortlessly.","title":"Simple financial management"}]},{"componentType":"sectionTitle","title":"What is in the Starters package?"},{"componentType":"accordion","accordionList":[{"title":"Free VAT activation with Liantis, Acerta, Partena Professional or Securex","richBody":{"value":"<p><strong>Start your business with our trusted partners Liantis, Acerta, Partena Professional or Securex and pay only €111.50 for the registration of your company at the business counter, with free activation of your VAT number.</strong><br />This way, you save €69* (excluding VAT) on the full registration of your business!</p><p>For just €111.50, they take care of all the formalities:<br />✔ Your registration with the Crossroads Bank for Enterprises (CBE)<br />✔ Your affiliation with the social insurance fund<br />✔ The application and activation of your VAT number</p><p><span><span><span>*Prices may vary slightly between business counters.</span></span></span></p><p><strong>Who is eligible?</strong></p><p>To benefit from this reduced rate, you must:</p><ul><li>Open a business bank account with ING</li><li>Apply for a new company number through one of the listed partners</li><li>Join the social insurance fund of one of the listed partners</li></ul><p><strong>Choose your partner:</strong></p><p> </p>"},"textLinks":[{"url":"https://www.acerta.be/en/bemyownboss/ING","text":"Join Acerta"},{"url":"https://www.liantis.be/fr/d%C3%A9marrage-en-douceur-avec-liantis-et-ing?utm_source=partner_website&utm_medium=blogs&utm_campaign=referral&utm_id=ING-Starterspack","text":"Join Liantis"},{"url":"https://starter.partena-professional.be/en/company-natural-person?utm_source=ING&utm_medium=partner","text":"Join Partena Professional"},{"url":"https://emailing.securex.eu/ing-action-fr","text":"Join Securex"}]},{"title":"1 year free current account with debit card","richBody":{"value":"<ul><li>Are you self-employed? Then the <strong><a data-type=\"internal\" href=\"/en/business/payments/professional-current-account\">ING Professional current account </a></strong>is ideal.</li><li>Are you a legal entity? Then the <a data-type=\"internal\" href=\"/en/business/payments/current-account-for-companies\"><strong>ING Corporate Plus account </strong>i</a>s for you.</li><li>Both accompanied by an <strong><a data-type=\"internal\" href=\"/en/business/payments/ing-debit-card\">ING debit card</a></strong> to make payments in Belgium, abroad and online.</li><li><strong>Benefit</strong>: monthly fee for <strong>free 12 months</strong></li></ul>"}},{"title":"1 year free credit card","richBody":{"value":"<ul><li>Keep your professional expenses under control and allow yourself the efficiency of an <a data-type=\"internal\" href=\"/en/business/payments/professional-credit-card\"><strong>ING Mastercard Business</strong> </a>card. This professional credit card gives you a perfect overview of all your professional expenses. Pay back later and without interest.</li><li><strong>Benefit</strong><strong>: </strong>yearly fee for <strong>1 year free</strong></li></ul>"}},{"title":"Up to 180 euros discount on your pension plan or pension savings fund","richBody":{"value":"<ul><li>Build a nice pension with the<strong> <a data-type=\"internal\" href=\"/en/business/insurance/pension-self-employed-business\">Free Supplementary Pension Plan for Self-employed</a></strong>.</li><li><strong>Benefit: 100 euros cashback first two years </strong>(50 euros per year) on the insurance premium, in case of constitution of a FSPSE.</li></ul><p><small>Read the Financial Information Sheet <strong><a href=\"https://assets.ing.com/m/7015379a4a83aefb/FIF-VAPZ-FR.pdf\">for the ordinary FSPSE (Free Supplementary Pension for Self-employed) (FR) and the social FSPSE (FR)</a> </strong>and the General Terms and Conditions before subscribing and contact us to find out more about the guarantees, exclusions and charges.</small></p><ul><li>In addition to the FSPSE (Free Supplementary Pension for Self-Employed), it may also be interesting to additionally invest in pension savings through the <strong><a data-type=\"internal\" href=\"/en/individuals/pension/pension-savings-fund\">Star Fund pension savings fund</a></strong>. Both products are complementary and can give you a tax advantage.</li><li><strong>Benefit:</strong>  <strong>80 </strong><strong>euros </strong><strong>cashback</strong>, for every new contract of a Star Fund with a minimal subscription of 480 euros.</li></ul>"}},{"title":"Free insurance check-up","richBody":{"value":"<ul><li>Free <strong><a data-type=\"internal\" href=\"/en/business/insurance/check-up-pro-assistant-professional-insurance\">insurance check-up</a> </strong>to<strong> </strong>get an overview of all compulsory, essential and comforting professional insurances for your business.</li><li><strong>Benefit: free check-up</strong></li></ul>"},"textLinks":[{"url":"/en/business/financing","text":"Discover our insurances"}]},{"title":"Up to 175 euros off the lease of your new company vehicle","richBody":{"value":"<ul><li><span><span><span><span><span>Choose the vehicle your start-up needs from the supplier of your choice and sign a leasing agreement with ING.</span></span></span></span></span></li><li><span><span><span><span><span>Keep your working capital intact, as leasing covers 100% of the vehicle costs, including VAT.</span></span></span></span></span></li><li><span><span><span><u><span><span><span><a href=\"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1\"><span>Apply for your lease here.</span></a></span></span></span></u></span></span></span></li></ul><p><strong><span><span>Benefit:</span></span></strong><span><span> Up to <strong>175 euros discount</strong> on the total annual service costs for a lease contract of up to 5 years.</span></span></p>"}},{"title":"Up to 500 euros discount on credit options","richBody":{"value":"<ul><li>Bridge temporary shortages in liquidity with<strong> <a data-type=\"internal\" href=\"/en/business/financing/working-capital-and-liquidity-business-line\">ING Business Line</a></strong></li><li><strong>Benefit: no one-off study fee, quarterly arrangement fee or quarterly commision calculated on the credit granted, for the first two years of the ING Business Line (total worth min. 375 euros).</strong></li><li>Finance the purchase of new business equipment, buildings, vehicles or other equipment with an <strong><a data-type=\"internal\" href=\"/en/business/financing\">ING Business Credit</a>.</strong></li><li><strong>Benefit: No one-off study fee for your first ING Business Credit request (worth 125 euros)</strong></li></ul>"},"textLinks":[{"url":"/en/business/financing/working-capital-and-liquidity-business-credit-finder","text":"Find the right  credit for your business"},{"url":"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1","text":"Apply for a credit"}]},{"title":"Free invoicing solution (incl. Peppol)","richBody":{"value":"<ul><li>Electronic invoices via Peppol, paper invoices or digital versions in pdf: all in one place and easy to share with your accountant with <a data-type=\"internal\" href=\"/en/business/payments/invoicing-ing-invoice-manager\">ING Invoice Manager</a>.</li><li><strong>Benefit:</strong> <strong>Free standard version</strong> and until the 30thh of June 2026, you get also the <strong>Premium functionalities for free</strong>.</li></ul>"}},{"title":"Free online and mobile banking","richBody":{"value":"<ul><li>With <strong><a data-type=\"internal\" href=\"/en/business/payments/business-bank\">Business’Bank</a></strong>, you can do your professional banking online, 24 hours a day.</li><li>If you want to check your balance at any time or make payments on the go, the <strong><a data-type=\"internal\" href=\"/en/business/payments/ing-app-business\">ING Banking app</a></strong> is the perfect solution!</li><li><strong>Benefit</strong><strong>: will always be free</strong></li></ul>"}},{"title":"Expert advice","richBody":{"value":"<ul><li>Multiple 360 calls with our experts to support your starter journey, with personal financial and insurance advice.</li></ul>"}}]},{"componentType":"sectionTitle","title":"How to make use of the ING Starters Package"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Open your current account","body":"Will you be self-employed? Open an ING Professional current account. Are you starting a company? Open an ING Corporate Plus account."},{"title":"Receive your confirmation email with your account number","body":"Follow the instructions in the email to make full use of other benefits in the ING Starter Package."},{"title":"Open your other products and use your discount","body":"Your discount will automatically be applied as soon as your CBE number is registered in our system."}]}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"Who can receive the starters package?","richBody":{"value":"<p>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).</p><p>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.</p>"}},{"title":"What happens after 18 months?","richBody":{"value":"<p>After 18 months, you can no longer claim the starter discount when opening new products, but the normal rates will apply.</p><p>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 &amp; 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.</p>"}},{"title":"How to pass on my CBE number?","richBody":{"value":"<p>Are you self-employed? Then you can easily do this online: log in to Business&apos;Bank, select your professional profile and click on the profile icon at the top right of the screen. Then choose &apos;Personal data&apos; from the drop-down menu and select &apos;Edit&apos;.</p><p>Don&apos;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.</p>"}},{"title":"What if I don’t have a CBE number yet?","richBody":{"value":"<p>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.</p><p>You can request a CBE number at one of our partners:</p><ul><li><a href=\"https://www.acerta.be/en/bemyownboss/by-becoming-self-employed\">Acerta</a></li><li><a href=\"https://www.liantis.be/en/starting-a-business-belgium-as-a-foreigner?utm_source=partner_website&amp;utm_medium=landingspagina&amp;utm_campaign=referral&amp;utm_id=ING-Starterspack\">Liantis</a></li><li><a data-type=\"external\" href=\"https://starter.partena-professional.be/en/company-natural-person?utm_source=ING&amp;utm_medium=partner\">Partena</a></li><li><a href=\"https://www.securex.be/en/starting-as-a-self-employed-person/starting-your-own-business/apply-for-a-company-number\">Securex</a></li></ul>"}},{"title":"Already an ING customer for your personal banking?","richBody":{"value":"<p>Then, of course, you can also make use of the package when opening your account as a self-employed person or a company.</p><p>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 &gt; Products &gt; Current accounts &gt; ING Professional current account.</p>"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Starting a new business?","intro":"ING Startup Package","image":{"transformBaseUrl":"https://assets.ing.com/transform/55c915e4-ea60-4528-9418-e5cb08da24fa/rocket","type":"image","width":160,"original":"https://assets.ing.com/m/2c37db72d493776b/original/rocket.svg","extension":"svg"},"link":{"url":"/en/business/starters/starting-in-10-steps"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"ING Invoice Manager","intro":"Your invoices and receipts in one place, easy to share with your accountant.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7f3261f7-017b-4b74-8ad0-d45158351381/Mature-man-laughing-to-camera-in-his-workshop","type":"image","width":1920,"original":"https://assets.ing.com/m/3e9517f0620a2fea/original/Mature-man-laughing-to-camera-in-his-workshop.jpg","extension":"jpg"},"link":{"url":"/en/business/payments/invoicing-ing-invoice-manager"},"promoText":"New"}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal provisions"},{"componentType":"paragraph","richBody":{"value":"<p><a href=\"https://assets.ing.com/m/192db9489ab8d6d1/original/General-Terms-Condition-ING-Starters-Package.pdf\">Terms &amp; conditions ING Starters Package</a></p><p>**  A registration link will be sent by Acerta via e-mail after the company has been registered. Contact the Acerta business desk for more information about this offer.</p><p>* The amount of 1,200 euros used in our communication to describe our offer is the total value of advantages a starter (all independents, liberal professional or companies founded in the last 18 months) could get when taking all the products that are mentioned in the ING Starters Package.</p><p>Offer starts as soon as the CBE number is known to ING. Until then, the package will be charged.</p><p>Our offers related to the ING starters package apply to any subscription to the related products or services between 01/01/2026 and 31/12/2026 inclusive (subject to acceptance by ING Belgium or, for insurance products, to acceptance by the involved insurance company and following mutual agreement) and are strictly limited to starters (self-employed and entrepreneurs with a company number since maximum 18 months). Each offer is limited to one discount per person for each product or service and cannot be combined with other benefits for the same product or service. The terms and conditions of the offers, the general terms and conditions of the various products and services, as well as their prices and related operations prices are available on ing.be/starters and in all ING branches.</p><p>For the professional account and the Mastercard Business you are entitled to a maximum of one year free of charges from the opening of the contract. The normal fees charged during the period in which we have not received your CBE number cannot be recovered. For example, if we receive your CBE number three months after opening the contract, you will be entitled to a maximum of nine months free of such charges. The amounts of normal charges are available at all ING branches or at ing.be/starters.</p><ul><li><a href=\"https://assets.ing.com/m/e23cbdd8779d93a/original/NEW_general-information-regarding-accounts-digital-channels-and-cards-EN.pdf\">General information regarding accounts and cards</a></li><li><a href=\"https://assets.ing.com/m/4f78f60fd9714d80/original/pricing-list-private-new-EN.pdf\">Charges applied to the main banking operations of private individuals</a></li><li><a href=\"https://assets.ing.com/m/23418a97b1c929d6/original/pricing-list-pro-future-en.PDF\">Charges applied to the main banking operations carried out by legal entities</a></li><li><a href=\"https://assets.ing.com/m/6a745e7b85191fe4/original/GeneralRegulationsNewEN.pdf\">General regulations of operations and its appendices</a> incl. Information on ING Belgium SA/NV: General Terms and Conditions of Phone’Bank, Home’Bank/Business’Bank, Extrabranch Mobility, e-ID for Branch and Payconiq and the “Zoomit ING” service of Home’Bank/Business’Bank.</li></ul><p><strong>Home&apos;Bank, Business&apos;Bank and the ING Banking app</strong> are available to all Home&apos;Bank, Business&apos;Bank or ING Banking subscription holders (subject to acceptance by ING and mutual agreement). All relevant information, such as the Home&apos;Bank, Business&apos;Bank, (annexed to ING’s General Regulations), the General Terms and Conditions of the ING Banking app, transaction fees, is available on <a data-type=\"internal\" href=\"/en/business\">www.ing.be</a>, at your ING branch and by telephone on 02 464 60 04.</p><p>ING Belgium NV/SA • Bank/Lender • Marnixlaan/Avenue Marnix 24, B-1000 Brussels • RLP Brussels • VAT: BE 0403.200.393 • BIC: BBRUBEBB • IBAN: BE45 3109 1560 2789 - <a data-type=\"internal\" href=\"/en/business\">www.ing.be</a> - Contact us via ing.be/contact Insurance broker, registered with the FSMA under the number 0403.200.393</p>"}}]}}}