Flex Pay is a credit line that lets you buy now and repay over time
From everyday essentials to experiences you don't want to miss, Flex Pay gives you more flexibility when plans change. :
Representative example :
If you used €1,000 of your €2,000 Flex Pay limit last month, on the 10th of this month you’ll repay automatically 6% of €1000, being €60. The interest rate of 4,99% will be included.
And want to pay it off faster?
You can repay more than the minimum monthly amount, or pay off your remaining balance at any time directly in the app.
"}},{"body":"Take advantage of the","bodyBold":"exceptional rate of 4,99%*","bodyThree":"before 30th of November. The sharpest on the market.","componentType":"promotionalBanner","date":{},"icon":{"extension":"svg","original":"https://assets.ing.com/asset/d27618f8-536e-4772-b86f-5119edab45ae/Circle-Coins-5.svg","transformBaseUrl":"https://assets.ing.com/transform/d27618f8-536e-4772-b86f-5119edab45ae/Circle-Coins-5","type":"image","width":64},"textLink":{"text":"Get Flex Pay","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},{"componentType":"sectionTitle","title":"Flex Pay, at a glance"},{"componentType":"productFeatures","highlighted":false,"items":[{"body":"Choose your limit during application, up to €10,000","title":"Your limit, your choice"},{"body":"Pay any amount with Flex Pay and only pay interest on what you use","title":"Use what you need"},{"body":" €12 per year for your Flex Pay","title":"A fixed yearly fee"}]},{"componentType":"sectionTitle","title":"Stay on top of everything in your ING app"},{"componentType":"appPromoter","featureSlideList":[{"body":"Know what will be repaid next and when. \r\n\r\nRepay faster anytime \r\nPay back more whenever you want to reduce your balance","image":{"extension":"png","original":"https://assets.ing.com/asset/1022942e-bc09-47d5-b42f-79f691c1c832/flexpay-05.png","transformBaseUrl":"https://assets.ing.com/transform/1022942e-bc09-47d5-b42f-79f691c1c832/flexpay-05","type":"image","width":312},"title":"See your next monthly repayment"},{"body":"See what you’ve used and what you can still spend.","image":{"extension":"png","original":"https://assets.ing.com/asset/55836c9e-2466-4688-b123-9297dd1713c8/FlexPay-carroussel-2.png","transformBaseUrl":"https://assets.ing.com/transform/55836c9e-2466-4688-b123-9297dd1713c8/FlexPay-carroussel-2","type":"image","width":396},"title":"Track your usage and limit"},{"body":"Get a clear overview of your spendings","image":{"extension":"png","original":"https://assets.ing.com/asset/f4fc9885-c66b-49fc-9807-640990a5e9ee/flexpay-08.png","transformBaseUrl":"https://assets.ing.com/transform/f4fc9885-c66b-49fc-9807-640990a5e9ee/flexpay-08","type":"image","width":412},"title":"Get a clear overview of your spending"},{"body":"Always remain in control and aware of your situation with notification","image":{"extension":"png","original":"https://assets.ing.com/asset/a66a7454-1dcb-440b-a3cd-be7504851be4/flexpay-10.png","transformBaseUrl":"https://assets.ing.com/transform/a66a7454-1dcb-440b-a3cd-be7504851be4/flexpay-10","type":"image","width":224},"title":"Proactive notifications on when repayment is coming"}]},{"componentType":"sectionTitle","title":"Find the right product for your needs"},{"componentType":"paragraph","richBody":{"value":"| Credit card | Flex Pay | Personal Loan | |
|---|---|---|---|
Repeated usage possible | ✅ | ✅ | ❌ |
Repayment schedule | Full amount next month | Flexible monthly repayment | Fixed monthly repayments |
| Best used for* | Traveling & insurances | Everyday expenses requiring payment flexibility | One-off project or events |
| Recommended amount | €0 - €2000* | €0 - €2000* | €2000+* |
These are illustrative examples only and not an exhaustive list of possible uses.
Credit card
Best for travel and short-term payments
Example : paying abroad, benefiting from exchange rates, booking hotels or rentals, travel & purchase insurance
Flex Pay
Best for everyday expenses requiring payment flexibility
Example : managing several purchases over time, back-to-school costs, or unexpected expenses
Personal loan
Best for one-off projects or events with a fixed repayment plan
Example : financing a holiday, a wedding, or buying electronics or furniture
Yes. Once your outstanding balance has been fully repaid, you can close your Flex Pay account.
"},"title":"Can I cancel Flex Pay easily?"},{"richBody":{"value":"Flex Pay is a dedicated credit line that lets you spread purchases over time. You can use it when needed, repay monthly, and reuse it without making a new request.
"},"title":"What is Flex Pay?"},{"richBody":{"value":"No. Flex Pay comes with a dedicated card, but it does not work like a standard ING credit card. With Flex Pay, you repay a minimum each month over instead of repaying the full amount the next month.
"},"title":"Is Flex Pay a credit card?"},{"richBody":{"value":"Each month, you repay a minimum amount based on what you have used. You can also repay more at any time if you want to reduce your balance faster.
As an example :
If you used €1,000 of your €2,000 Flex Pay limit last month, on the 10th of this month you’ll repay automatically 6% of €1000, being €60.
The interest rate of 4,99% will be included
"},"title":"How does repayment work?"},{"richBody":{"value":"Yes. You can repay more than the monthly minimum at any time on your ING app. This can help reduce the total amount of interest you pay.
"},"title":"Can I repay faster?"},{"richBody":{"value":"No. Flex Pay should not be used to repay other banking loans or credit products. It is designed to help you spread purchases or expenses over time, not to refinance existing debt.
"},"title":"Can I use Flex Pay to repay another loan?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"fc49a995-856b-4439-8872-33585af0a223","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"This message concerns an ING Flex Pay credit facility (revolving credit line linked to a card) for private purposes, subject to consumer credit legislation, and does not constitute an offer of credit.
It is intended exclusively for natural persons of legal age. Any credit application is subject to prior acceptance of your file by ING Belgium and mutual agreement.
Your request and the possible approval of your request by ING (after examination of your file), whether in a branch or via digital channels, do not commit either ING or yourself, as long as no credit agreement has been signed and returned to ING.
The amount you may be entitled to use, as indicated in any advertisement or simulation, is provided for information purposes only. Neither the granting of the credit nor the proposed amount is guaranteed. This amount is based on data currently known by ING, in particular your financial situation (income, expenses, savings, loans and investments with ING), your personal situation (such as your age, personal status and dependents), and other available information. Additional information may be requested and/or verified during your credit application (including data from the National Bank of Belgium and other sources).
You are required to repay at least a minimum amount each month. The total duration and cost of the credit depend on the amount used and your repayment behaviour.
In accordance with the terms and conditions of the credit agreement, the outstanding balance must be fully repaid periodically. Details of this requirement are provided during the application process and in the credit agreement.
Flex Pay is available via the ING mobile application.
The general terms and conditions and applicable rates are available on www.ing.be (section “Rates and regulations”) and in all ING branches.
Caution, borrowing money also costs money.
Legal information related to the lender
Lender: ING Belgium SA/NV – Bank – Marnixlaan 24, B-1000 Brussels – RPR Brussels – VAT: BE 0403.200.393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
"}},{"componentType":"paragraph","richBody":{"value":"This promotional rate concerns an ING Flex Pay credit facility and does not constitute a credit offer.
The promotional rate of 4.99% (instead of 7.75%) is valid for credit applications submitted between 30 August and 30 November 2026 (inclusive), subject to acceptance of your file by ING Belgium.
The granting of credit is not guaranteed.
"},"title":"Promotion related information"},{"componentType":"paragraph","richBody":{"value":"* The displayed amounts are indicative only. Available limits depend on your personal and financial situation and may be higher or lower.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/asset/b8de49de-fc28-4478-b7c2-304a64bebe35/A-person-using-a-bank-card-to-make-a-contactless-payment-for-drinks-at-an-outdoor-restaurant-in-front-of-a-young-womantable.jpg","transformBaseUrl":"https://assets.ing.com/transform/b8de49de-fc28-4478-b7c2-304a64bebe35/A-person-using-a-bank-card-to-make-a-contactless-payment-for-drinks-at-an-outdoor-restaurant-in-front-of-a-young-womantable","type":"image","width":900},"promoLabel":{"labelType":"operational"},"promoText":"Promotional rate: 4.99% until 1st of December*","subtitle":"Flex Pay is your way to buy now and repay over time. Use it whenever you need extra flexibility for everyday or unexpected expenses.","title":"ING Flex pay"},"cta":{"componentType":"cta","textLink":{"text":"ING client: Log in, apply for Flex Pay","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"},"secondaryCta":{"textLink":{"text":"Not yet ING client? Apply via the ING app","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},"usps":[{"body":"A credit line linked to a card ","icon":{"altTextEN":"Decorative icon","altTextNL":"Decoratief icoon","extension":"png","original":"https://assets.ing.com/asset/964c0197-c2fe-4f2b-8890-1bd6e0b9d4ca/Wallet-Outline.png","transformBaseUrl":"https://assets.ing.com/transform/964c0197-c2fe-4f2b-8890-1bd6e0b9d4ca/Wallet-Outline","type":"image","width":128}},{"body":"Track your repayments in your app","icon":{"altTextEN":"Decorative icon","altTextNL":"Decoratief icoon","extension":"png","original":"https://assets.ing.com/asset/e8ac1c91-7516-40d8-a9ff-21dd5534d479/Pig-Outline.png","transformBaseUrl":"https://assets.ing.com/transform/e8ac1c91-7516-40d8-a9ff-21dd5534d479/Pig-Outline","type":"image","width":128}},{"body":"Online and in-store","icon":{"altTextEN":"Decorative icon","altTextNL":"Decoratief icoon","extension":"png","original":"https://assets.ing.com/asset/e8ac1c91-7516-40d8-a9ff-21dd5534d479/Pig-Outline.png","transformBaseUrl":"https://assets.ing.com/transform/e8ac1c91-7516-40d8-a9ff-21dd5534d479/Pig-Outline","type":"image","width":128}}]},"publishDate":"2026-07-15T11:09:12.086+02:00"}}