{"type":"document","data":{"id":"fe90cbca-c5ef-49ea-af28-2bbb6c0d1a47","localeString":"en-GB","publishDate":"2026-03-10T13:18:26.595+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Discover the ING Basic Banking Service Account for everyday banking needs. Enjoy convenient access, secure transactions, and customer-friendly services to manage your finances effortlessly. Learn more about features and benefits today!"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/individuals/services/branches","text":"Find a branch"}},"coreHeader":{"body":"This regulated current account for private use offers limited services for a fixed charge. All persons who satisfy the eligibility criteria are entitled to this service.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/efa987e0-7c76-408b-ac67-590e7a2d0e2e/basic-banking-service-account-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6c95681a853d2f43/original/basic-banking-service-account-1920.jpg","extension":"jpg"},"title":"ING basic banking service account","subtitle":"Open a current account with limited services"},"backLink":{"textLink":{"url":"/en/individuals/daily-banking","text":"Daily Banking"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"All about this current account"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/ab8045a6-3ac5-40dc-b821-c3e4fdd00507/Debitcard","type":"image","width":162,"altTextNL":"Card","original":"https://assets.ing.com/m/4bfcbc460f40ca99/original/Debitcard.svg","extension":"svg"},"highlighted":false,"items":[{"body":"A Bancontact and Maestro debit card is included and will enable you to pay and make cash withdrawals in Euro, throughout geographical Europe only.","title":"Debit card"},{"body":"Do your banking on your computer, smartphone, tablet and/or at an ING branch. It is not possible, however, to go below zero on this account.","title":"Transactions online or in branch"},{"body":"You will receive your account statements via Home'Bank: the easy online banking.","title":"Online account statements"}]},{"componentType":"highlight","richBody":{"value":"<p>You can <a href=\"https://assets.ing.com/m/7986677fd72dd28e/original/Request-form-BBSA-2025.pdf\">download the application form here.</a></p>"}},{"componentType":"accordion","accordionList":[{"title":"Who can access this basic banking service account ?","richBody":{"value":"<p>To open this account, you must:</p><ul><li>be a physical person (i.e. an individual, not a company)</li><li>be staying legally in the <strong>European Union </strong>or have the <strong>Belgian nationality, </strong>stay outside of the European Union and were removed from the Belgian population register no later than ten years ago</li></ul><p>you have:</p><ul><li>no current account at ING or another Belgian bank</li><li><strong>no more than 10239,43€</strong> in cumulated annual credit balance (on any other bank accounts you may hold, either at ING or elsewhere). The average annual cumulative credit balance must also take into account the consumer credit agreements.</li></ul><p>Access to the BBSA is not dependent on the purchase of additional services.</p><p>In the event of a false statement or if the terms and conditions of this account are not met, ING reserves the right to terminate the account.</p>"}},{"title":"How much does it cost?","richBody":{"value":"<p>The fee for the basic banking service account is fixed by law. Each year, the maximum price is adapted to the consumer price index.</p><p>The charge is equal to <strong>19.24 euros</strong>. This value covers the maintaining of your account and a limited number of manual operations.</p><p>For further information, please refer to the <a href=\"https://assets.ing.com/m/7ce7f1924e028627/pricing-list-private-future-en.pdf\">Charges applied to the main banking services and transactions for private use (PDF)</a>, the <a href=\"https://assets.ing.com/m/7802a42f5a30c782/fee-information-document-ing-basic-bank-service-account-EN.pdf\">Fee Information Document - ING basic bank service account (PDF)</a> and the <a href=\"https://assets.ing.com/m/7bf1e0b0fc53aa21/GeneralRegulationsFutureEN.pdf\">General Banking Regulations (PDF)</a>.</p>"}},{"title":"How to open an ING basic banking service account ?","richBody":{"value":"<p>This account can only be opened in an ING branch.</p><p>Please note that there can only be one authorised account holder and no authorised mandate holders.</p>"}},{"title":"Legal information concerning the ING basic banking service account.","richBody":{"value":"<p>Please consult:</p><ul><li>the <a href=\"https://assets.ing.com/m/7bf1e0b0fc53aa21/GeneralRegulationsFutureEN.pdf\">General Regulations for banking transactions (including the ING Client Services, Home’Bank/Business’Bank, Extrabranch Mobility, e-ID for Branch, Payconiq for ING BE and Belgian Mobile Identity for ING BE) (PDF)</a></li><li>the <a href=\"https://assets.ing.com/m/4f3efb26540a9ad5/be-INGBanking-terms-conditions-en.pdf\">ING Banking Terms and Conditions (PDF)</a></li><li>the <a href=\"https://assets.ing.com/m/2ebdb334b29b02da/original/PaymentTransactionsSpecialRegulationsNewEN.pdf\">Special Regulations for Payment Transactions (PDF)</a></li><li>the <a href=\"https://assets.ing.com/m/697f816d19277a66/ReglementBetaalkaartenNewEN.pdf\">General Conditions of the ING Debit Card (PDF)</a></li><li>the <a href=\"https://assets.ing.com/m/4f78f60fd9714d80/pricing-list-private-new-en.pdf\">Charges Applied to the Main Banking Services and Transactions for private use (PDF)</a></li><li>the <a href=\"https://assets.ing.com/m/7802a42f5a30c782/fee-information-document-ing-basic-bank-service-account-EN.pdf\">Fee Information Document - ING basic bank service account (PDF)</a></li><li>the <a href=\"https://www.ing.be/en/individuals/daily-banking/personal-data-protection-statement-for-ing-belgium-nv-sa\">Privacy Statement for ING Belgium nv/sa</a></li><li>the <a href=\"https://assets.ing.com/m/caa49fe207460e38/deposits_protection_EN.pdf\">Deposits protection information sheet (PDF)</a></li><li>the <a href=\"https://assets.ing.com/m/2cdc616bc4ad8edd/original/VerkoopAfstandBankkaartenNewEN.pdf\">General information regarding account, online channels and cards (PDF)</a></li></ul><p>All terms and conditions are available at <a data-type=\"internal\" href=\"/en/individuals\">www.ing.be</a>, in <a data-type=\"internal\" href=\"/en/individuals/services/branches\">all ING branches</a> or by telephone on +32 2 464 60 02.</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/individuals\">www.ing.be</a> – Contact us via <a data-type=\"internal\" href=\"/en/individuals/services/get-in-touch\">ing.be/contact</a> – Insurance broker, registered with the FSMA under the number 0403.200.393. </p>"}},{"title":"Not entirely satisfied?","richBody":{"value":"<p><span><span><span><span><span><span><span><span><span>Contact</span></span></span></span></span><span><span><span><span><span>:</span></span></span></span></span></span></span></span></span></p><ul><li><span><span><span><span><span><span><span><span><span> the ING </span></span></span></span></span><span><span><span><span><span>Complaint Management</span></span></span></span></span><span><span><span><span><span>, Avenue Marnix 24, B-1000 Brussels.</span></span></span></span></span></span></span></span></span></li></ul><p><span><span><span><span><span><span><span><span><span>Call us on +32 2 547 61 02 or send an email to </span></span></span></span></span><u><span><span><span><span><span><a href=\"mailto:plaintes@ing.be\">plaintes@ing.be</a></span></span></span></span></span></u><span><span><span><span><span>.</span></span></span></span></span></span></span></span></span></p><ul><li><span><span><span><span><span><span><span><span><span>Already </span></span></span></span></span><span><span><span><span><span>contacted ING? For banking disputes, please contact </span></span></span></span></span><span><span><span><span><span>Ombudsfin</span></span></span></span></span><span><span><span><span><span>, North Gate II, Boulevard du Roi Albert II 8, 1000 Brussels</span></span></span></span></span><span><span><span><span><span>.</span></span></span></span></span> <span><span><span><span><span>Tel</span></span></span></span></span><span><span><span><span><span>: +32 2 545 77 </span></span></span></span></span><span><span><span><span><span>70</span></span></span></span></span></span></span></span></span></li><li><span><span><span><span><span><span><span><span><span>To </span></span></span></span></span><span><span><span><span><span>speed up the processing of your complaint, please complete the form available on the </span></span></span></span></span><span><span><span><span><span>Ombudsfin</span></span></span></span></span><span><span><span><span><span> website: </span></span></span></span></span><u><span><span><span><span><span><a href=\"https://eur02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ombudsfin.be%2Fen%2Fcomplaints-handling%2F&amp;data=05%7C02%7Ccatherine.corbiere%40ing.com%7C3f8076f236954e280fbc08de5cb73fec%7C587b6ea13db94fe1a9d785d4c64ce5cc%7C0%7C0%7C639050139605194771%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=0%2FWED7Uvc4PkSZNahtb%2FFa8LJD7nFbuf64RGj2vpxcM%3D&amp;reserved=0\">https://www.ombudsfin.be/en/complaints-handling/</a></span></span></span></span></span></u></span></span></span></span></li></ul><p><span><span><span><span><span><span><span><span><span>Email (only if you encounter issues with the web form</span></span></span></span></span><span><span><span><span><span>):</span></span></span></span></span> <u><span><span><span><span><span><a href=\"mailto:ombudsman@ombudsfin.be\">ombudsman</a></span></span></span></span></span></u><u><span><span><span><span><span><a href=\"mailto:ombudsman@ombudsfin.be\">@ombudsfin.be</a></span></span></span></span></span></u></span></span></span></span></p><ul><li><span><span><span><span> <span><span><span><span><span>Directorate General for Economic Inspection</span></span></span></span></span></span></span></span></span></li></ul><p><span><span><span><span><span><span><span><span><span>Competent supervisory authority within the FPS Economy<br />By post: Directorate General for Economic Inspection, Boulevard du Roi Albert II 16, 1000 Brussels. </span></span></span></span></span></span></span></span></span><span><span><span><span><span><span><span><span><span>By phone via the Contact Centre: 0800 120 33 .</span></span></span></span></span></span></span></span></span><span><span><span><span><span><span><span><span><span>Via the website: </span></span></span></span></span><u><span><span><span><span><span><a href=\"https://eur02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fconsumerconnect.be%2F&amp;data=05%7C02%7Ccatherine.corbiere%40ing.com%7C3f8076f236954e280fbc08de5cb73fec%7C587b6ea13db94fe1a9d785d4c64ce5cc%7C0%7C0%7C639050139605224335%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=mxkv4XRs8C3UdhHFvxEtR%2FAIHWESgBQBCSorRAhwXE4%3D&amp;reserved=0\">https://consumerconnect.be</a></span></span></span></span></span></u> <span><span><span><span><span>.</span></span></span></span></span></span></span></span></span></p>"}}]},{"componentType":"sectionTitle","title":"Services and contacts"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Which current account for me?","intro":"Compare and choose","image":{"transformBaseUrl":"https://assets.ing.com/transform/f24ea95f-cca0-496f-824c-ddefad22ce01/wallet-coins-debit-card-money-no-padding","type":"image","width":0,"original":"https://assets.ing.com/m/637ac3dbd94ade59/original/wallet-coins-debit-card-money-no-padding.svg","extension":"svg"},"link":{"url":"/en/individuals/daily-banking/compare-bank-accounts"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Want your salary paid into your ING account?","intro":"Download this form and send it to your employer","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"link":{"url":"/banking/accounts/salary-domiciliation?EW=true"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Manage your accounts online?","intro":"Discover how easy it can be with ING!","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"link":{"url":"https://ebanking.ing.be/banking/overview"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Transfer your standing orders and direct debits?","intro":"Simply fill in this form and we'll do the rest","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"link":{"url":"https://ebanking.ing.be/banking/switch-banks?EW=true"}}]},{"componentType":"paragraph","richBody":{"value":"<ul><li><a data-type=\"internal\" href=\"/en/individuals/services\">More services and how to contact us</a></li></ul>"}}]}}}