'Your budget' automatically distributes all your transactions into predefined categories, giving you an immediate and easy overview of your budget allocation.
A large set of categories has been prepared for you, including:
Sub-categories are available as well in case you want an even more detailed view.
You can find this feature via the new ‘Insights’ tab in the bottom bar menu of our mobile banking app. You can check categorised transactions for each current account you own or manage.
This feature will help you identify where you can reduce spending if you want to start saving for example. Or you can also simply track how different categories are evolving over time.
"},"title":"What can you expect?"},{"componentType":"sectionTitle","title":"Make the most of it"},{"componentType":"paragraph","richBody":{"value":"To get the most out of this feature, use it regularly.
The more you use it, the more accurate your insights will become.
"}},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"png","original":"https://assets.ing.com/m/2779f1e013ecbc99/original/My-Budget-page-STA-PNG-3.png","publishedAt":"2024-04-10T14:58:51Z","transformBaseUrl":"https://assets.ing.com/transform/f00c3191-f750-4785-8534-d056367b99aa/My-Budget-page-STA-PNG-3","type":"image","updatedAt":"2024-04-10T14:59:08Z","width":2384},"items":[{"body":"Only consider what you really spent. For example, if you paid for friends at a restaurant, you can mark the amount they reimbursed you via the ‘settle an amount’ option. This way, only your actual spend is counted in that category's total.","title":"Stick to the reality"}]},{"componentType":"productFeatures","highlighted":false,"image":{"extension":"jpg","original":"https://assets.ing.com/m/1b23054956dac36e/original/My-Budget-page-RECAT.JPG","publishedAt":"2024-04-10T11:30:59Z","transformBaseUrl":"https://assets.ing.com/transform/36493988-53af-4f2e-ab7c-6628eae59c6f/My-Budget-page-RECAT","type":"image","updatedAt":"2024-04-10T09:33:19Z","width":351},"items":[{"body":"The app automatically categorises your transactions, but you keep the flexibility to re-categorise at any time. You can even decide whether this re-categorisation applies to past/future transactions or only for a specific one.","title":"Make it personal"}]},{"componentType":"sectionTitle","title":"FAQ"},{"accordionList":[{"alignedImage":{"position":"top"},"richBody":{"value":"Transactions for each current account you own or manage.
"},"title":"Which transactions are included?"},{"alignedImage":{"position":"top"},"richBody":{"value":"It takes 2 to 4 days for your transactions to be visible in 'Your budget'.
"},"title":"How quickly are my transactions categorised?"},{"richBody":{"value":"You can change a category as follows: click on the category and you will see the transactions that belong to it. Do you think a transaction does not belong here? Go to the details (by clicking on the transaction) and click on the category to change it. Do you always want similar transactions in that category from now onwards? You can indicate this directly there: you will receive a list of similar transactions and you can immediately convert them to another category.
"},"title":"How can I change the category that was applied?"},{"richBody":{"value":"You can settle an amount as follows: click on a category and you will see the transactions that belong to it. Is there 1 of the transactions for which you got reimboursed? Go to the details (by clicking on the transaction) and click on 'settle the amount'. You will then be able to indicate the amount you got paid back. Only the remaining part of the initial amount will be considered in your budget allocation.
"},"title":"How can I settle an amount?"},{"richBody":{"value":"'Your budget' is included in all payment packages. There are no additional costs.
"},"title":"Are there extra costs for this feature?"},{"richBody":{"value":"While you cannot create custom categories or rename them yourself at the moment, we have designed a wide range of predefined categories to cover your needs. You can easily reclassify any transaction to make sure it fits perfectly.
"},"title":"Can I add new categories myself?"},{"richBody":{"value":"You can look at the current calendar year and the two years before that.
"},"title":"How far in the past can I check my categorised transactions?"},{"richBody":{"value":"No, we try to give you the best possible insight. We cannot guarantee that all categories linked to transactions are always correct. 'Your budget' cannot be seen as financial advice, but as a tool for more overview and insight into your financial affairs. We do nothing with the data that 'Your budget' provides. It's really just for you.
"},"title":"Can I use 'Your budget' as financial advice?"},{"richBody":{"value":"Yes, that's possible. We are constantly working on improving 'Your budget' to give you even better insight into your income and expenses. We may decide at any time to change, limit or (temporarily) discontinue the tool. If we do that, we will inform you about this.
"},"title":"Can ING modify 'Your budget' while I'm using it?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"bd470386-3d5d-46a8-8e5c-aea2ca379ce0","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Branches","url":"/en/individuals/daily-banking/branches-information"}},"componentType":"productHeader","coreHeader":{"body":"What do you spend your money on? Are you curious about your monthly car costs? Or maybe you are wondering how much you spent on your groceries last month?\r\nThen 'Your budget' is for you: it is your financial partner if you want to know where your money is actually going.\r\nKnowing your financial habits can help you to remain in control of your budget!","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/7d1b166a9aef2a52/original/Overhead-view-of-Lego-blocks-on-the-floor-being-sorted-by-color-in-containers.jpg","publishedAt":"2024-04-25T12:29:08Z","transformBaseUrl":"https://assets.ing.com/transform/acd18810-bb46-416b-aad4-fda6c8b5ed98/Overhead-view-of-Lego-blocks-on-the-floor-being-sorted-by-color-in-containers","type":"image","updatedAt":"2024-04-25T12:30:09Z","width":6240},"subtitle":"The feature that gives you detailed insight in your spending behavior.","title":"Your budget"},"usps":[{"body":"All your income and expenses broken down into categories","icon":{"extension":"png","original":"https://assets.ing.com/m/f060a1fa1e76547/original/icon_checkmark.png","publishedAt":"2023-02-22T14:12:07Z","transformBaseUrl":"https://assets.ing.com/transform/b67af744-2e78-4785-9567-2f87fea1d216/icon_checkmark","type":"image","updatedAt":"2023-12-21T15:51:20Z","width":288}},{"body":"Easy overview of your spending patterns","icon":{"extension":"png","original":"https://assets.ing.com/m/f060a1fa1e76547/original/icon_checkmark.png","publishedAt":"2023-02-22T14:12:07Z","transformBaseUrl":"https://assets.ing.com/transform/b67af744-2e78-4785-9567-2f87fea1d216/icon_checkmark","type":"image","updatedAt":"2023-12-21T15:51:20Z","width":288}},{"body":"Compare categories across months","icon":{"extension":"png","original":"https://assets.ing.com/m/f060a1fa1e76547/original/icon_checkmark.png","publishedAt":"2023-02-22T14:12:07Z","transformBaseUrl":"https://assets.ing.com/transform/b67af744-2e78-4785-9567-2f87fea1d216/icon_checkmark","type":"image","updatedAt":"2023-12-21T15:51:20Z","width":288}}]},"publishDate":"2026-10-09T13:18:03.965+02:00"}}