{"type":"document","data":{"id":"d42ddfd6-2e4b-4438-a4ef-f866e11a4f9a","localeString":"en-GB","publishDate":"2025-09-30T09:48:52.611+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Discover the advantages and open your expat bank account now. ING has a tailor-made solution for expats: daily banking, lending, savings, investments, insurance and retirement."},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Arriving in Belgium? ING is ready to help you get started. Wherever you are from, wherever you are, you’ll always find a current account that suits your needs. And what’s more, applying for it will only take a few minutes of your time.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/cd4bef9c-1efa-4e5c-b346-fb9f8fa6ffb2/YOUNG-WOMAN-SMILING-IN-CITY","type":"image","width":5700,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6aab40e09f7fdb02/original/YOUNG-WOMAN-SMILING-IN-CITY.jpg","extension":"jpg"},"title":"Bank with ING, from anywhere, even before you arrive in Belgium"},"backLink":{"textLink":{"url":"/en/individuals/daily-banking","text":"Daily banking"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Choose the solution that best suits you"},{"componentType":"comparisonCards","comparisonCardList":[{"title":"Moving to Belgium from the Netherlands, France, Germany, Luxemburg of Spain?","subtitle":"Open your Do More or Do Basic pack in just 10 minutes in the ING Banking app or web","image":{"transformBaseUrl":"https://assets.ing.com/transform/2f5d2fee-eaf4-418e-a24c-60c4d8ea223f/mobile-phone-telephone-Telephone-portable","type":"image","width":4619,"original":"https://assets.ing.com/m/1b75c9226920073b/original/mobile-phone-telephone-Telephone-portable.png","extension":"png"},"usps":[{"body":"Your passport or ID card (NL, FR, DE, LU or ES)","iconType":"check-mark"},{"body":"Your (temporary) Belgium address (e.g. hotel, Airbnb, etc.)","iconType":"check-mark"},{"body":"You plan to move to Belgium for employment within 90 days.","iconType":"check-mark"},{"body":"You are employed in Belgium","iconType":"check-mark"},{"body":"Not applicable for a diplomat or supranational employee (e.g. NATO, SHAPE, IMS, or EU institutions)","iconType":"cross"}],"cta":{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/individuals/daily-banking/expats-still-abroad#download","text":"Download the app"}},"secondaryCta":{"textLink":{"url":"https://www.ing.be/en/individuals/daily-banking/expats-online-onboarding?flow-step=welcome-message","text":"Apply via the website"}}},{"title":"Moving to Belgium from any country* for employment or as a diplomat/supranational employee?","subtitle":"Apply easily by clicking below. You will need the following:","image":{"transformBaseUrl":"https://assets.ing.com/transform/9a29c7b2-56cb-4fc9-8182-c06c732bc3bf/womandreamingnewhouse","type":"image","width":0,"original":"https://assets.ing.com/m/3151af66df1fc0b4/original/womandreamingnewhouse.svg","extension":"svg"},"usps":[{"body":"Photo or scan of your ID card (front and back) or passport","iconType":"check-mark"},{"body":"Proof of your current address abroad","iconType":"check-mark"},{"body":"You are employed in Belgium and have proof from your employer","iconType":"check-mark"},{"body":"*Not applicable to the Netherlands, France, Germany, Luxemburg or Spain","iconType":"cross"}],"cta":{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/individuals/daily-banking/expats-online-onboarding?flow-step=welcome-message","text":"Apply for an ING Do More pack"}}}],"title":"Moving to Belgium from the Netherlands, France, Germany, Luxemburg of Spain?,Moving to Belgium from any country* for employment or as a diplomat/supranational employee?"},{"componentType":"highlight","richBody":{"value":"<p><strong>Tip: </strong>when requesting a current account, you can also request an <a data-type=\"internal\" href=\"/en/individuals/saving/classic-savings-account\">ING Savings Account</a>, a regulated savings account (category A) for a <a data-type=\"internal\" href=\"/en/individuals/saving/rental-guarantee\">rental guarantee</a> (<a href=\"https://assets.ing.com/m/6de55a9c0b9e40a4/INGSavingsAccountproductsheetEN.pdf\">consult the essential information for savers</a>) or for saving.</p>"}},{"componentType":"sectionTitle","title":"Some good news, before you get started"},{"componentType":"paragraph","richBody":{"value":"<p><strong>When you’re moving or have moved to Belgium from the Netherlands, France, Germany, Luxemburg of Spain</strong></p><ul><li>You will be asked to share your Belgian National Registration Number (NRN)* and Belgian legal address within 90 days of opening your account with ING.</li><li>You will get <strong>instant and full access to your current account from the moment you open it.</strong> You can also open a <a data-type=\"internal\" href=\"/en/individuals/saving/rental-guarantee\">rental guarantee</a> and <a data-type=\"internal\" href=\"/en/individuals/insurance/insure-my-home/home-insurance-tenants\">home insurance</a> right after you become an ING client. Opening other banking products will become available only after you have met the above conditions.</li></ul><p>*An NRN is the 11-digit identification number on the back of your Belgian ID Card that you will receive. It starts with your date of birth (year-month-date)</p><p> </p>"}},{"componentType":"sectionTitle","title":"Download"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Get it on","intro":"Google Play","image":{"transformBaseUrl":"https://assets.ing.com/transform/de360ec2-7d5a-4cda-bace-91d65c693e35/Google-store","type":"image","width":512,"original":"https://assets.ing.com/m/34312859baf15ed7/original/Google-store.png","extension":"png"},"link":{"url":"https://play.google.com/store/apps/details?id=com.ing.banking"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Download the app","intro":"iOS (apple)","image":{"transformBaseUrl":"https://assets.ing.com/transform/5b0a4821-de2e-472a-b6fe-e684858c1c98/Apple_Store_logo-svg","type":"image","width":2048,"original":"https://assets.ing.com/m/6166cae83128daf9/original/Apple_Store_logo-svg.png","extension":"png"},"link":{"url":"https://apps.apple.com/fr/app/ing-banking/id1364967778"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Get the ING Banking app","intro":"Scan the QR code and install the app on your phone.","image":{"transformBaseUrl":"https://assets.ing.com/transform/788b6511-95c5-41aa-8af3-6468e1b6fb14/App-adoption-QR","type":"image","width":806,"altTextEN":"app QRR code EN","altTextNL":"app QRR code","altTextFR":"app QRR code","altTextDE":"app QR code","original":"https://assets.ing.com/m/234ec681f5b817b8/original/App-adoption-QR.png","extension":"png"},"link":{"url":"https://www.ing.be/en/individuals/daily-banking/ing-banking-app?store_redirect=true"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Need some guidance?"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Are you moving soon to Belgium?","intro":"Find here the expat checklist.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2671d9ca-bad7-4498-ad2a-60763c5fe6f8/prepare-arrival-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/40cd08b80b272fbc/original/prepare-arrival-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/expats-prepare-arrival"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"what you need to know before you start investing","intro":"Read our article to find out more","image":{"transformBaseUrl":"https://assets.ing.com/transform/e7b0d98c-17a2-4146-b845-f95240bad2ec/Young-woman-in-yellow-sweater-reclining-at-her-desk","type":"image","width":1920,"altTextEN":"Young woman in yellow sweater reclining at her desk","altTextNL":"Jonge vrouw in een gele trui die achterover leunt op haar bureaustoel","original":"https://assets.ing.com/m/338750d5943d38/original/Young-woman-in-yellow-sweater-reclining-at-her-desk.jpg","extension":"jpg"},"link":{"url":"/en/individuals/managing-my-assets/investment-academy/expat-tips-before-starting-to-invest"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How to build up your pension as an expat ?","intro":"Things to keep in mind","image":{"transformBaseUrl":"https://assets.ing.com/transform/a753dd58-ede9-4f00-add8-87b3ece9b11f/individual-pension-commitment-160-160","type":"image","width":160,"original":"https://assets.ing.com/m/28333e95fd866574/original/individual-pension-commitment-160-160.jpg","extension":"jpg"},"link":{"url":"/en/individuals/managing-my-assets/retirement/expat-build-up-pension"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Belgium Relocation ?","intro":"Work out the cost of moving","image":{"transformBaseUrl":"https://assets.ing.com/transform/7ead30de-7124-4324-8e97-12b8d0b602f4/expats-moving-internationally-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/51d8c4bbc4b4d623/original/expats-moving-internationally-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/expat-cost-moving-to-belgium"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notice"},{"componentType":"paragraph","richBody":{"value":"<p>The<strong> ING Do More Pack</strong> contains an ING Green account. The<strong> ING Green Account </strong>is a current account for adult individuals. It can be applied for in an ING branch or directly online (at ing.be), or by using the ING Home’Bank services, and can be opened upon signature of an account opening form at an ING branch or remotely in the case of online applications. Online applications to open an account (via ing.be) are reserved solely for legally competent private individuals residing in Belgium at the time of application and with an e-mail address. A maximum of two account holders per ING Green Account and no mandate holder can be authorized if an application is submitted online (via ing.be). Unless otherwise agreed, if there are two account holders, each holder has the same administrative powers and signs alone for his or her transactions (including closure of the account). For customers who open an account via the ING Banking app, ING will request a Belgian National Registration Number (NRN) and official Belgian address within 90 days of the application date, in accordance with applicable regulations.</p><p>Pack with a monthly flat fee of  5.00 euros. A total of at least 700 euros deposited each month on the account results in a reduction of the monthly flat fee from 5.00 euros to 1.90 euros per month. This applies to every month in which the conditions are met. Deposits from an own ING private account are not considered for the discount. </p><p>To allow you to take the necessary measures, you will benefit exceptionally from the discounted monthly flat fee of 1.90 euros for the first two months after the opening of the package. Thereafter, you pay the monthly flat fee depending on whether you meet the condition of at least 700 euros of incoming transfers per month. ING will check on your account every month if this condition is met. </p><p>No monthly flat fee will be charged to the account if all holders are between 18 and 25 years old. Subject to the applicable taxes. </p><p>ING Do More Pack holders have the option to request a Visa Classic credit card that is free in the first year. This offer is only valid if this is the only and first credit card linked to the pack. Afterwards, the yearly fee of the Visa Classic credit card is charged. This yearly fee is 27 euros per year, or 10 euros per year when you’re younger than 26 years old. Your request to provide a credit card via ing.be is valid subject to acceptance by ING Belgium and does not bind you as long as you have not signed the ING Visa Classic contract. </p><p>ING has taken out insurance policies for its ING Visa Classic customers with INTER PARTNER ASSISTANCE SA C/O AXA Partners, Bd du Régent 7, 1000 Brussels – Belgium The company has been registered under FSMA code number 0487. Company registration number BE 0415.591.055 </p><p>For details of the conditions, exclusions and limitations of the aforementioned insurance, please see the <a href=\"https://assets.ing.com/m/6b85f0cba6c358d9/original/ReglementIngVisaNewEN.pdf\">General Terms and Conditions of your ING Visa Classic credit card (PDF)  </a> in any ING branch and at  <a href=\"http://www.ing.be/\">ing.be  </a> </p><p>Fees are subject to change with prior notification. </p><p>The ING Do More Pack also contains two insurances: Purchase Protection Insurance and Ticket Cancellation Insurance </p><p>ING has contracted insurances for its Do More Pack holders with:  </p><p>AIG Europe S.A., Belgium branch office is located Pleinlaan 11, 1050 Brussels, Belgium. RPM/RPR Brussels – VAT number: 0692.816.659. AIG Europe S.A. Belgium branch is registered with the National Bank of Belgium (NBB) under the number 3084. </p><p>Claims handling for the insurance policies included in the Do More Pack will be performed by:  </p><p>QOVER NV/SA incorporated in Belgium with company number BE 0650.939.878 whose registered office is at 31 rue du Commerce, 1000 Brussels, Belgium   </p><p>You can find the full conditions, exclusions and limitations of the above insurances in the  <a href=\"https://assets.ing.com/m/451e29e3f86ef773/original/General-Terms-and-Conditions-Insurances_EN.pdf\">General Terms and Conditions Insurances (PDF)  </a> as well as the <a href=\"https://assets.ing.com/m/77d698412c14ef34/original/Insurance-Product-Information-Document_EN.pdf\">Insurance Product Information Document (PDF)  </a> at all ING branches and on <a href=\"https://www.ing.be/en/individuals\">www.ing.be </a>. The ING Green Account is also available without those insurances. </p><p>Any opening of an ING Do More Pack is subject to prior acceptance by ING Belgium SA/nv and mutual agreement. Terms and conditions of the ING Do More Pack (regulations, rates, Fee Information Document and additional information) are available at  all ING branches, at ing.be or by phone on +32 2 464 60 04  </p><p>Read the following legal documents for more detailed terms &amp; conditions: </p><p><a href=\"https://assets.ing.com/m/6a745e7b85191fe4/GeneralRegulationsNewEN.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> </p><p><a href=\"https://assets.ing.com/m/4f3efb26540a9ad5/original/be-INGBanking-terms-conditions-en.pdf\">ING Banking Terms and Conditions (PDF) </a> </p><p><a href=\"https://assets.ing.com/m/2ebdb334b29b02da/original/PaymentTransactionsSpecialRegulationsNewEN.pdf\">Special Regulations for Payment Transactions (PDF) </a> </p><p><a href=\"https://assets.ing.com/m/697f816d19277a66/ReglementBetaalkaartenNewEN.pdf\">General Conditions of the ING Debit Card (PDF) </a> </p><p><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> </p><p><a href=\"https://assets.ing.com/m/46dbd88aa957374c/original/FID-ing-do-more-EN.pdf\">Fee Information Document – ING Do More Pack (PDF) </a> </p><p><a href=\"https://assets.ing.com/m/a1a3fae4571a0503/original/BCA-LijstVanToegelatenVerrichtingenEN.pdf\">List of authorised transactions for each co-holder (PDF) </a> </p><p><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> </p><p><a href=\"https://assets.ing.com/m/caa49fe207460e38/original/deposits_protection_EN.pdf\">Deposits protection information sheet (PDF) </a> </p><p><a href=\"https://assets.ing.com/m/44aeaae5e14d93e3/general-information-regarding-accounts-digital-channels-and-cards-EN.pdf\">General information regarding accounts, digital channels and cards (PDF) </a> </p><p><a href=\"https://assets.ing.com/m/451e29e3f86ef773/original/General-Terms-and-Conditions-Insurances_EN.pdf\">General Terms and Conditions Insurances (PDF) </a> </p><p><a href=\"https://assets.ing.com/m/77d698412c14ef34/original/Insurance-Product-Information-Document_EN.pdf\">Insurance Product Information Document (PDF) </a> </p><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 href=\"https://www.ing.be/\">www.ing.be</a>, at your ING branch and by telephone on 02 464 60 04. </p><p><strong>ING+ deals Belgium</strong> aim to provide customers with advantages in the form of discounts valid for purchases from its commercial partners. </p><p>As part of the ING+ deals, ING in Belgium organises one or more time-limited Promotions each year. For each Promotion, ING in Belgium provides the list of participating commercial partners as well as the advantage(s) they are offering through its Home’Bank/ING Banking services. These advantages are guaranteed within the limits (terms and/or conditions) set out in the commercial partner&apos;s offer. </p><p>To participate in a Promotion, ING in Belgium Customers must sign up for it via the &quot;ING+ deals&quot; page of ING in Belgium’s Home’Bank/ING Banking services. Before signing up for a Promotion, the Customer must provide details of an account into which all the discounts due in respect of the Promotions will be refunded. The Customer must be the holder or joint holder of this account, which must be an ING Lion Account or an ING Green Account with ING in Belgium. This reference account will remain the same for any new Promotion organised by ING in Belgium. </p><p>ING in Belgium makes said reimbursement during the first few working days of the month following that in which the Customer&apos;s purchase is made as referred to in the Promotion, or if a right of renunciation/withdrawal to be exercised in respect of the commercial partner is applicable for the purchase made as referred to in the Promotion, following the month following the end date of the renunciation/withdrawal period laid down by the terms and conditions of the commercial partners&apos; offers, provided you have not exercised this right of renunciation/withdrawal. If this right is exercised, the Customer automatically loses the right to have the discount refunded for the Promotion in question. </p><p>The aforementioned period will in any case never exceed 45 calendar days from the date of the Customer’s purchase as referred to in the Promotion. </p><p>A Customer may sign up for a Promotion at any time during its validity period. If the Customer signs up for an ongoing Promotion, they will nevertheless benefit from all the advantages related to the Promotion in question throughout its duration, in accordance with the terms and/or conditions set out in the offer from the commercial partners and for all purchases, even if purchases were made before signing up for the Promotion. However, in order to benefit from the discount offered on online purchases in connection with a Promotion (provided this option is offered in connection with said Promotion), the Customer must first log onto the &quot;ING+ deals&quot; page of the Home’Bank/ING Banking services of ING in Belgium and click on the offer of said commercial partner in order to be redirected to said commercial partner&apos;s website. </p><p>To provide the service, ING and Minna may process the following categories of personal data, for which your explicit consent will be requested: user, account and subscription data. </p><p>The terms and conditions of use (ING’s General Regulations (including the General Terms and Conditions of the Home’Bank service), the ING Banking Regulations, General Terms) and the ING confidentiality declaration are available on ing.be and in all ING branches. </p><p>ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RPM/RPR Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 –  <a href=\"https://www.ing.be/\">www.ing.be</a>   – Contact us via  ing.be/contact  – Insurance broker, registered with the FSMA under the number 0403.200.393. </p>"}}]}}}