For an open-ended revolving credit with a limit of €2,000, the APR (Annual Percentage Rate) is 9.26%, including the annual card fee of €12, and the variable nominal borrowing rate of 7.75%, subject to acceptance by ING Belgium. Rate valid on 01 december 2026.
For an open-end revolving credit with a limit of €2,000, the promotional APR (Annual Percentage Rate) is 6.29%, including the annual card fee of €12, and the variable nominal borrowing rate is 4,99% subject to acceptance by ING Belgium. The promotional APR applies to credit applications submitted between 05 october 2026 and 30 november 2026 (inclusive).
"}},{"componentType":"sectionTitle","title":"What is Flex Pay?"},{"alignedImage":{"extension":"svg","original":"https://assets.ing.com/asset/f1ebfc39-3a44-4d70-b99d-94d7cd928eab/Woman-Question-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/f1ebfc39-3a44-4d70-b99d-94d7cd928eab/Woman-Question-spot"},"componentType":"paragraph","richBody":{"value":"Flex Pay is a revolving credit 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:
How it works in practice:
If you used €1,000 of your €2,000 Flex Pay limit last month, you will repay €60, which is 6% of €1,000, on the 10th of the following month. Interest is charged on the amount used, at the applicable interest rate.
Want to repay faster?
You can repay more than the minimum monthly amount, or repay your remaining balance in full at any time directly in the app.
| Credit card | Flex Pay | Personal Loan | |
|---|---|---|---|
Repeated usage possible | ✅ | ✅ | ❌ |
Repayment schedule | Full amount next month | Flexible monthly repayment* | Fixed monthly repayments |
| Best used for¹ | Travel, bookings & card benefits | Everyday expenses requiring payment flexibility | One-off project or events |
| Recommended amount | €500 - €5,000 | €1000 - €2,500 | €2,500+ |
*Minimum monthly repayment of 6% of the outstanding balance, with a minimum repayment amount of EUR 25 per month.
"}},{"accordionList":[{"richBody":{"value":"¹These are illustrative examples only and not an exhaustive list of possible uses.
Credit card
Best for travel and short-term payments.
Examples: Paying abroad, benefiting from exchange rates, booking hotels or rental cars, and using travel & purchase insurance.
Flex Pay
Best for everyday expenses for which you need more payment flexibility.
Examples: Managing several purchases over time, covering back-to-school costs or paying an unexpected expense.
Personal loan
Best for one-off projects or events with a fixed repayment plan.
Examples: Financing a holiday or wedding, or buying electronics or furniture.
Yes. Once you have fully repaid your outstanding balance, you can close your Flex Pay.
"},"title":"Can I cancel Flex Pay easily?"},{"richBody":{"value":"You can use it whenever you need it, repay the amount monthly and reuse the available credit without submitting a new application.
"},"title":"What is Flex Pay?"},{"richBody":{"value":"No. Flex Pay comes with a dedicated payment card, but it does not work like a standard ING credit card. With Flex Pay, you repay a minimum amount each month. With a standard credit card, you repay the full outstanding balance the following month.
"},"title":"Is Flex Pay a credit card?"},{"richBody":{"value":"
For an open-ended revolving credit with a limit of €2,000, the APR (Annual Percentage Rate) is 9.26%, including the annual card fee of €12, and the variable nominal borrowing rate of 7.75%, subject to acceptance by ING Belgium. Rate valid on 01 december 2026.
For an open-end revolving credit with a limit of €2,000, the promotional APR (Annual Percentage Rate) is 6.29%, including the annual card fee of €12, and the variable nominal borrowing rate is 4,99% subject to acceptance by ING Belgium. The promotional APR applies to credit applications submitted between 05 october 2026 and 30 november 2026 (inclusive).
"},"title":"How does repayment work?"},{"richBody":{"value":"Yes. You can repay more than the monthly minimum at any time in the ING app. This can help reduce the total amount of interest you pay.
"},"title":"Can I repay faster?"},{"richBody":{"value":"No. You should not use Flex Pay to repay another bank loan or credit product. 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 which is an open-end revolving credit linked to a payment card and does not constitute an offer of credit. The credit is to be used for private purposes, subject to consumer credit legislation,
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 that you are likely to be able to borrow, as stated in the advertising message, is communicated for information purposes only. Neither the granting of the credit nor the proposed amount is guaranteed. You are required to repay at least a minimum amount of 6% of the outstanding balance 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":""},"title":"*Promotional information"},{"componentType":"paragraph","richBody":{"value":"For an open-ended revolving credit with a limit of €2,000, the APR (Annual Percentage Rate) is 9.26%, including the annual card fee of €12, and the variable nominal borrowing rate of 7.75%, subject to acceptance by ING Belgium. Rate valid on 01 december 2026.
For an open-end revolving credit with a limit of €2,000, the promotional APR (Annual Percentage Rate) is 6.29%, including the annual card fee of €12, and the variable nominal borrowing rate is 4,99% subject to acceptance by ING Belgium. The promotional APR applies to credit applications submitted between 05 october 2026 and 30 november 2026 (inclusive).
"}},{"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/256e14af-d774-42e5-be8d-0320737efe75/Flex-Pay-banner-product-page.jpg","publishedAt":"2026-08-28T09:19:32Z","transformBaseUrl":"https://assets.ing.com/transform/256e14af-d774-42e5-be8d-0320737efe75/Flex-Pay-banner-product-page","type":"image","updatedAt":"2026-08-28T09:19:52Z","width":6720},"promoLabel":{"labelType":"operational"},"promoText":"Promotional interest rate of 4.99% until 30 November inclusive*","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 customer? Log in and apply for Flex Pay","url":"https://ebanking.ing.be/banking/mobile/products/584/open?journey=FLEX-PAY&EW=true"}},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"},"secondaryCta":{"textLink":{"text":"Not an ING customer yet? Apply via the ING app","url":"https://www.ing.be/en/individuals/daily-banking/ing-banking-app?store_redirect=true"}},"usps":[{"body":"Revolving credit linked to a payment card","icon":{"altTextEN":"Decorative icon","altTextNL":"Decoratief icoon","extension":"png","original":"https://assets.ing.com/asset/964c0197-c2fe-4f2b-8890-1bd6e0b9d4ca/Wallet-Outline.png","publishedAt":"2026-05-15T12:09:05Z","transformBaseUrl":"https://assets.ing.com/transform/964c0197-c2fe-4f2b-8890-1bd6e0b9d4ca/Wallet-Outline","type":"image","updatedAt":"2026-05-15T12:11:07Z","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","publishedAt":"2026-05-15T12:13:03Z","transformBaseUrl":"https://assets.ing.com/transform/e8ac1c91-7516-40d8-a9ff-21dd5534d479/Pig-Outline","type":"image","updatedAt":"2026-05-15T12:13:27Z","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","publishedAt":"2026-05-15T12:13:03Z","transformBaseUrl":"https://assets.ing.com/transform/e8ac1c91-7516-40d8-a9ff-21dd5534d479/Pig-Outline","type":"image","updatedAt":"2026-05-15T12:13:27Z","width":128}}]},"publishDate":"2026-10-06T10:09:56.328+02:00"}}