You might come from a country where the onboarding at ING Belgium is done differently. Check it out bay filling in the form below.
"},"alignedImage":{"position":"left"}},{"componentType":"feature","featureName":"expat-wizard"},{"componentType":"sectionTitle","title":"Did you know?"},{"componentType":"paragraph","richBody":{"value":"When you request a current account, you can also open an ING Savings Account — a regulated savings account (category A) that can be used for a rental guarantee (check the essential information for savers) or for saving.
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"What is included in the ING current account pack?","richBody":{"value":"The ING Do More Pack is a complete bank account pack, including an ING Green Account, which is our most extended current account, as well as two additional insurance products, and a first and only optional ING Visa Classic credit card free for one year. The ING Do More Pack costs just €1.90 per month when you deposit your salary (or incoming transfers of minimum €700 per month) to your current account. Otherwise this pack costs €5 per month.
"}},{"title":"As an expat, is the ING Do More Pack my only choice ?","richBody":{"value":"No, while the ING Do More Pack is often recommended as the most suitable choice for expats due to its extensive features, it’s not your only option.
In addition to the ING Do More Pack, we also offer the ING Do Basic and Green Account. For more information, feel free to visit any of our branches
"}},{"title":"Can I make international payments, outside the SEPA zone?","richBody":{"value":"With Home’Bank, our online banking platform, you can make a payment abroad, outside of the SEPA zone, or in a currency other than euros. Your beneficiary will receive the funds within 4 working days. Urgent payments are also possible.
"}},{"title":"Why should I get the ING Banking app?","richBody":{"value":"Our ING Banking app is easy, secure and accessible in just a few clicks. It offers more than 50 services, and you can chat 24/7 in case of questions. It’s the best option when it comes to:
As with any country, there are quite a lot of formalities involved when buying/ building or renovating a house or apartment in Belgium. We have you covered with expert advice, checklists and handy comparison tables to help you get started.
"}},{"title":"What should I do when I want to start saving money?","richBody":{"value":"Saving is an essential part of planning your financial future. But what’s the best way to save? And how do you get started? Whether you want to save for a major purchase, set up an emergency fund or prepare for retirement, a savings checklist can help you stay organised and achieve your financial goals. We can help you to understand the savings mechanism and how to prepare to save and, above all, give you a comprehensive checklist to help you manage your savings effectively.
"}},{"title":"What should I do if I want to rent a house or apartment in Belgium?","richBody":{"value":"In Belgium, owners usually request a rental guarantee to cover the cost of any repairs in case of damage. You can make an appointment for this at one of our ING branches.
In addition, do not forget to take out a home insurance for tenants, we cover your liability as a tenant with comprehensive home and fire insurance (Insurer: NN Non-life)
"}},{"title":"How can I protect my family and myself?","richBody":{"value":"No worries, at ING we value your safety and want to give you and your family peace of mind. We offer a full range of insurances going from a home insurance (both for owners or tenants) to a car insurance, travel insurance and a family insurance.
"}},{"title":"What should I do when my expat adventure ends?","richBody":{"value":"You have decided to leave Belgium completely and go back home or explore other countries? We advise you to close your ING banking products, such as your current account and insurances, via Home’Bank or via the ING Banking app. For more detailed questions and/or complex products, you can always make an appointment at one of our branches.
"}}]},{"componentType":"sectionTitle","title":"Services and contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Manage your debit card","intro":"Manage your debit card online, 24/7.","image":{"transformBaseUrl":"https://assets.ing.com/transform/268d5df4-02d8-44af-b640-91e45f53385e/Sector-thema-update-inflatie-consumentenvertrouwen","type":"image","width":1920,"original":"https://assets.ing.com/m/751c50c7323dceb9/original/Sector-thema-update-inflatie-consumentenvertrouwen.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/manage-your-debit-card"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Forgotten your PIN code?","intro":"View your PIN code in our app.","image":{"transformBaseUrl":"https://assets.ing.com/transform/d4c5d9cd-aeb6-4550-90de-6f4ed4b1d593/consult-pin-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6f611d420c14a07a/original/consult-pin-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/consult-pin"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Block a direct debit?","intro":"Stop one or more direct debits in euros (SEPA) to a certain account or beneficiary.","image":{"transformBaseUrl":"https://assets.ing.com/transform/03717f1d-7564-42ef-890a-cfd4ff06a36e/Portrait-of-a-girl-with-hand-on-leaf","type":"image","width":5616,"original":"https://assets.ing.com/m/3322117dd8223e88/original/Portrait-of-a-girl-with-hand-on-leaf.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/direct-debit-in-euro-sepa"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"How can you use your ING debit card outside Europe?","intro":"Activate your card online.","image":{"transformBaseUrl":"https://assets.ing.com/transform/0f4a5cda-a55e-4a5a-a9e4-c1bbc65f4fc2/bank-card-160x160","type":"image","width":160,"original":"https://assets.ing.com/m/30e91201abe68bd2/original/bank-card-160x160.jpg","extension":"jpg"},"link":{"url":"/en/individuals/my-life/leisure-and-travel/pay-with-maestro-abroad"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Didn't find what you were looking for?","intro":"Ask Ida, ING's digital assistant, via Chat in your ING Banking app, in the ‘Services' menu at the bottom of your screen","image":{"transformBaseUrl":"https://assets.ing.com/transform/f8ff5633-eb8c-4873-961b-e52b1729f05f/Phonechat","type":"image","width":1080,"original":"https://assets.ing.com/m/6171d84dc30fcb0b/original/Phonechat.svg","extension":"svg"},"link":{"url":"/en/individuals/daily-banking/contact-ing-via-chat"}},{"componentType":"serviceCard","cardType":"service","cardSize":"medium","title":"Download the app","intro":"Join our 1.5 million users. Simple, secure, the ING Banking app saves you both money and time so you can live your life to the fullest!","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":"/en/individuals/daily-banking/ing-banking-app"}}]},{"componentType":"sectionTitle","title":"Detailed information on the insurance products included in the ING Do More pack"},{"componentType":"paragraph","richBody":{"value":"The ING Do More pack includes two insurance products:
Purchase Protection Insurance | Ticket Cancellation Insurance |
What is covered? Accidental damage or aggravated theft of movable property with a minimum value of €50 per item, bought new by the insured person within 90 days from the date of purchase or from the day of delivery of the insured item, and that was completely or partially paid with their bank account not using their credit card. Protect purchases, including electronic devices and smartphones, that you pay for through your bank account. Before taking out your ING Do More pack, carefully read the information document on the insurance product (PDF) and the general terms and conditions (PDF).
| The insurer will reimburse the insured person within the limits of the cover: the non-refundable amount of the ticket paid with the account (at least 50% with the account) in case of cancellation of a covered event, after one of the below mentioned incidents, and when the insured person cancels the ticket before the actual start of the covered event. The insurer will reimburse the insured person the unit face value of the ticket which must be equal to or greater than €25, after incidents such as:
Before taking out your ING Do More pack, carefully read the information document on the insurance product (PDF) and the general terms and conditions (PDF). People who are not considered as insured person will not be compensated, even if the tickets have been paid or advanced with the account of the insured person. |
INSURER: AIG Europe S.A | INSURER: AIG Europe S.A |
INSURED AMOUNT The indemnity will not exceed €3,000 per claim and per period of 12 consecutive months following the first claim. | INSURED AMOUNT The indemnity will not exceed €500 per claim and per period of 12 consecutive months following the first claim. |
EXCLUSIONS Examples of items excluded from cover are:
Full list of exclusions available in the Terms & Conditions (PDF) | EXCLUSIONS Losses not covered include:
Full list of exclusions available in the Terms & Conditions (PDF) |
When does the cover start and when does it end?
The cover starts for the new ING Green Account (with the ING Do More pack), from the opening of the account when the insurance cover is included in the account or for the existing ING Green Account (with the ING Do More pack), from the date communicated to the account holder when the insurance cover is included in the ING Green Account (with the ING Do More pack). All cover terminates immediately and expires automatically in the event of non-renewal or withdrawal from the ING Green Account (with the ING Do More pack) or if the present insurance/guarantee contract between ING and AIG is terminated for any reason whatsoever. If the group contract is terminated for any reason whatsoever, no further cover will be granted to the holder of an ING Green Account (with the ING Do More pack). By way of example, this means that: for purchase insurance, no additional cover will be granted after termination, even if the items were purchased before the cover was terminated and for ticket cancellation insurance, no additional cover will be granted after termination, even if the tickets were purchased before the cover was terminated.
How do I submit a claim?
You can submit a claim online via Qover: ingdomoreinsurances.qover.com. You will be redirected to the Qover website where you can submit your claim and upload the necessary documents/evidence.
Do you have any comments or complaints?
For questions about the product and the coverage, please contact Qover via:
- contact form: ing-insurances.zendesk.com
- email: ing@qover.com
- phone: +32 2 808 35 14
More information?
You are not satisfied and want to file a complaint?
Contact Qover SA, Mediation Department, Rue du Commerce 31, 1000 Brussels Belgium - Tel: +32 2 588 25 50 via the complaint form or by e-mail: mediation@qover.com.
Still not satisfied with how your complaint has been handled?
Contact the Insurance Ombudsman, Square De Meeûs 35, B-1000 Brussels – Tel.: +32 2 547 58 71 - Fax : +32 2 547 59 75 - info@ombudsmaninsurance.be - www.ombudsman-insurance.be
What type of insurance is it?
This product is a group insurance policy taken out by ING as policyholder, with automatic membership granted to ING customers who have a Do More Pack (included in the ING Green Account).
"}},{"componentType":"cta"}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The Belgian economy is doing quite well","body":"Given the circumstances, the Belgian economy is not doing too badly at the moment, thanks mainly to solid household consumption.","image":{"transformBaseUrl":"https://assets.ing.com/transform/46fc29e5-7487-4e06-8fe5-64839327cdbf/Business-team-colleagues-meeting-Planning-Strategy-Analysis-discussing-new-plan-financial-graph-data-on-office","type":"image","width":1920,"original":"https://assets.ing.com/m/4af3518af60c936d/original/Business-team-colleagues-meeting-Planning-Strategy-Analysis-discussing-new-plan-financial-graph-data-on-office.jpg","extension":"jpg"},"link":{"url":"/en/individuals/news/economy-and-financial-markets/focus-belgian-economy"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Saving or investing: how to choose?","body":"We often hear it said that saving “no longer pays”. But is that really true? When and why should we save? Are investments a good alternative?","image":{"transformBaseUrl":"https://assets.ing.com/transform/9c5c6858-c6c4-4696-b4ee-d9c568a754db/White-text-written-on-the-street-to-notify-people-to-look-to-the-right","type":"image","width":4096,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/26c59cc5a4eed57c/original/White-text-written-on-the-street-to-notify-people-to-look-to-the-right.jpg","extension":"jpg"},"link":{"url":"/en/individuals/managing-my-assets/investment-academy/saving-and-investing-basic-concepts"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notice"},{"componentType":"paragraph","richBody":{"value":"Legal information concerning the ING Do More Pack
The ING Do More Pack contains an ING Green account. The ING Green Account 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).
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.
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.
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.
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.
ING has taken out insurance policies for its ING Visa Classic customers with
For details of the conditions, exclusions and limitations of the aforementioned insurance, please see the General Terms and Conditions of your ING Visa Classic credit card (PDF) in any ING branch and at ing.be
Fees are subject to change with prior notification.
The ING Do More Pack also contains two insurances: Purchase Protection Insurance and Ticket Cancellation Insurance
ING has contracted insurances for its Do More Pack holders with:
Claims handling for the insurance policies included in the Do More Pack will be performed by:
You can find the full conditions, exclusions and limitations of the above insurances in the General Terms and Conditions Insurances (PDF) as well as the Insurance Product Information Document (PDF) at all ING branches and on www.ing.be. The ING Green Account is also available without those insurances.
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
Read the following legal documents for more detailed terms & conditions:
Charges Applied to the Main Banking Services and Transactions for private use (PDF)
General information regarding accounts, digital channels and cards (PDF)
Home'Bank, Business'Bank and the ING Banking app are available to all Home'Bank, Business'Bank or ING Banking subscription holders (subject to acceptance by ING and mutual agreement). All relevant information, such as the Home'Bank, Business'Bank, (annexed to ING’s General Regulations), the General Terms and Conditions of the ING Banking app, transaction fees, is available on www.ing.be, at your ING branch and by telephone on 02 464 60 04.
ING+ Deals Belgium aims to offer its clients discounts or cashback at partner retailers such as Delhaize, Booking, Amazon, and more. For more information, visit ING+ deals: enjoy exclusive discounts - ING Belgium
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 – www.ing.be – Contact us via ing.be/contact – Insurance broker, registered with the FSMA under the number 0403.200.393.
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