Depending on your country of residence or personal situation, the onboarding process may differ.
Fill in a few short questions and we’ll show you the best way to open your ING More pack for expats.
"},"title":"That’s no problem."},{"componentType":"feature","featureName":"expat-wizard"},{"componentType":"sectionTitle","title":"Why expats choose ING More pack"},{"componentType":"paragraph","richBody":{"value":"We know what matters when you’re settling into a new country: flexibility, clarity, and no unwanted fees.
"},"title":"ING has been supporting expats in Belgium for over 50 years"},{"componentType":"productFeatures","highlighted":false,"image":{"altTextDE":"Icon-More","altTextEN":"Icon-More","altTextFR":"Icon-More","altTextIT":"Icon-More","altTextNL":"Icon-More","extension":"png","original":"https://assets.ing.com/asset/eaa61762-e0d4-43c7-9771-0eea4368dfad/Icon-More.png","transformBaseUrl":"https://assets.ing.com/transform/eaa61762-e0d4-43c7-9771-0eea4368dfad/Icon-More","type":"image","width":320},"items":[{"body":"Withdraw cash in Belgium without paying ING fees or percentage charges","title":"Free‑fee ATM withdrawals in Belgium*"},{"body":"Once you’re resident in Belgium, benefit from medical assistance and travel accident cover abroad","title":"Travel insurance included**"},{"body":"Access an optional Visa Classic credit card","title":"1 Visa Classic credit card (optional)***"},{"body":"Send and receive money in seconds, not days.","title":"Instant transfers in Europe"},{"body":"Included in your pack, with no separate subscription needed (activation optional).","title":"Amazon Prime included (Provided by Amazon BE)"}]},{"componentType":"paragraph","richBody":{"value":"*ING does not charge fees for cash withdrawals in the SEPA zone. Some ATM operators may apply their own fees.
**ING, as a policyholder, has taken out a group insurance policy for the benefit of its ING pack holders. For full details on the cover and exclusions, please refer to the Terms and Conditions.
***Activation optional & subject to acceptance by ING Belgium.
"}},{"componentType":"sectionTitle","title":"Want even more freedom abroad?"},{"alignedImage":{"position":"left","altTextDE":"Icon-Extra","altTextEN":"Icon-Extra","altTextFR":"Icon-Extra","altTextNL":"Icon-Extra","extension":"png","original":"https://assets.ing.com/asset/68647f2e-1ea5-41db-98b8-dfe64feaa3c0/Icon-Extra.png","transformBaseUrl":"https://assets.ing.com/transform/68647f2e-1ea5-41db-98b8-dfe64feaa3c0/Icon-Extra"},"componentType":"paragraph","richBody":{"value":"If you often travel or shop internationally, ING Extra pack takes your expat banking further.
Residents of France, Spain, the Netherlands, Germany and Luxembourg can open their ING Extra pack entirely online via the ING Banking app. If you live in another country, or if you’re a diplomat or working for an international institution, simply open your ING More pack first and upgrade easily afterwards via the ING Banking app or Home’Bank.
"},"textLinks":[{"text":"Discover ING Extra","url":"/en/individuals/current-accounts-packs/pack-extra"}],"title":"Upgrade to ING Extra 🚀"},{"componentType":"sectionTitle","title":"Did you know?"},{"componentType":"paragraph","richBody":{"value":"When you open a pack ING More current account, you can also open an ING Savings Account — a regulated savings account (category A) that can be used for a rental guarantee or for building your savings (check the essential information for savers).
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"If you are currently a resident of France, Germany, Luxembourg, the Netherlands or Spain, you may be able to open your ING More pack for expats entirely online using the ING Banking app. This allows you to prepare your Belgian banking before moving.
If you are a diplomat or work for a supranational or international institution (such as the EU or NATO), the onboarding process may differ and a branch visit may be required. Fill in the form and we’ll guide you to the best option for your situation.
"},"title":"Who can open an account fully online before arriving in Belgium?"},{"richBody":{"value":"In some cases, yes. Depending on your country of residence, nationality and personal situation, you may be able to start or complete your account opening process before arriving in Belgium.
For certain countries, the process can be completed entirely online. In other situations, you can begin your application in advance and finalise it once you arrive in Belgium.
We’ll guide you to the right option based on your situation.
"},"title":"Can I open my account before moving to Belgium?"},{"richBody":{"value":"Online onboarding before arrival is currently available for residents of France, Germany, Luxembourg, the Netherlands and Spain. Eligibility may depend on your personal situation and documentation.
"},"title":"Which countries are eligible for online onboarding with ING Belgium?"},{"richBody":{"value":"If you don’t live in one of the eligible countries, that’s no problem. ING offers other ways for expats to open a Belgian current account, either partially online or after arrival in Belgium. Answer a few questions and we’ll guide you to the most suitable onboarding option for your situation.
"},"title":"What if I don’t live in one of these eligible countries?"},{"richBody":{"value":"In many cases, no branch visit is required. If additional verification is needed based on your personal situation, we’ll clearly inform you during the onboarding process and guide you through the next steps.
"},"title":"Do I need to visit a branch after opening my account online?"},{"richBody":{"value":"The online onboarding process can usually be started in just a few minutes via the ING Banking app. The exact timing depends on how quickly your information can be verified, but we aim to keep the process as simple and efficient as possible.
"},"title":"How long does online onboarding take?"},{"richBody":{"value":"You’ll be asked to provide standard identification and information required for opening a Belgian bank account, such as proof of identity and residency details. The ING Banking app will guide you step by step through what’s needed based on your situation.
"},"title":"What documents do I need to open an account online?"},{"richBody":{"value":"In many cases, yes. Once your account is opened, you can already start managing payments digitally and use certain features through the ING Banking app, helping you get organised even before you move.
"},"title":"Can I use my account before arriving in Belgium?"},{"richBody":{"value":"ING More pack for expats is a complete Belgian current account, designed with expats in mind. It supports everyday banking needs like receiving a salary, making payments and managing money digitally while you settle into life in Belgium.
"},"title":"What kind of account is ING More pack for expats?"},{"richBody":{"value":"ING More pack combines everyday banking with extra comfort for expats. It includes features such as instant transfers, fee‑free cash withdrawals in euro*, travel insurance, purchase protection and full access to digital banking via the ING app. The pack also includes a Visa Classic credit card and Amazon Prime subscription — activation optional and subject to acceptance.
Full details are available on the ING More pack product page.
*ING does not charge fees for cash withdrawals in the SEPA zone. Some ATM operators may apply their own fees.
"},"title":"What are the main benefits of the ING More pack?"},{"richBody":{"value":"The ING More pack costs €3.90 per month when you deposit your salary or receive regular incoming transfers of at least €700 per month into your current account. If this condition isn’t met, the monthly price is €7.90.
All costs are communicated clearly before you open your account, so you always know what to expect — with no hidden fees.
"},"title":"How much does the ING More pack for expats cost?"},{"richBody":{"value":"Yes. Your ING More account includes a debit card, and an optional Visa Classic credit card is available, subject to approval. Card usage and management are fully integrated into the ING Banking app.
"},"title":"Does ING More pack include cards?"},{"richBody":{"value":"No. ING More pack is often recommended for expats thanks to its extended features, but other ING current accounts are also available. Depending on your needs, we’ll help you choose the option that suits you best.
Compare all packs on ing.be, or visit one of our branches for more information.
"},"title":"Is ING More pack the only bank account available for expats?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and contact"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/751c50c7323dceb9/original/Sector-thema-update-inflatie-consumentenvertrouwen.jpg","transformBaseUrl":"https://assets.ing.com/transform/268d5df4-02d8-44af-b640-91e45f53385e/Sector-thema-update-inflatie-consumentenvertrouwen","type":"image","width":1920},"intro":"Manage your debit card online, 24/7.","link":{"url":"/en/individuals/daily-banking/manage-your-debit-card"},"title":"Manage your debit card"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/6f611d420c14a07a/original/consult-pin-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/d4c5d9cd-aeb6-4550-90de-6f4ed4b1d593/consult-pin-1920","type":"image","width":1920},"intro":"View your PIN code in our app.","link":{"url":"/en/individuals/daily-banking/consult-pin"},"title":"Forgotten your PIN code?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/3322117dd8223e88/original/Portrait-of-a-girl-with-hand-on-leaf.jpg","transformBaseUrl":"https://assets.ing.com/transform/03717f1d-7564-42ef-890a-cfd4ff06a36e/Portrait-of-a-girl-with-hand-on-leaf","type":"image","width":5616},"intro":"Stop one or more direct debits in euros (SEPA) to a certain account or beneficiary.","link":{"url":"/en/individuals/daily-banking/direct-debit-in-euro-sepa"},"title":"Block a direct debit?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/30e91201abe68bd2/original/bank-card-160x160.jpg","transformBaseUrl":"https://assets.ing.com/transform/0f4a5cda-a55e-4a5a-a9e4-c1bbc65f4fc2/bank-card-160x160","type":"image","width":160},"intro":"Activate your card online.","link":{"url":"/en/individuals/my-life/leisure-and-travel/pay-with-maestro-abroad"},"title":"How can you use your ING debit card outside Europe?"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/6171d84dc30fcb0b/original/Phonechat.svg","transformBaseUrl":"https://assets.ing.com/transform/f8ff5633-eb8c-4873-961b-e52b1729f05f/Phonechat","type":"image","width":1080},"intro":"Ask Ida, ING's digital assistant, via Chat in your ING Banking app, in the ‘Services' menu at the bottom of your screen","link":{"url":"/en/individuals/daily-banking/contact-ing-via-chat"},"title":"Didn't find what you were looking for?"},{"cardSize":"medium","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"app QR code","altTextEN":"app QRR code EN","altTextFR":"app QRR code","altTextNL":"app QRR code","extension":"png","original":"https://assets.ing.com/m/234ec681f5b817b8/original/App-adoption-QR.png","transformBaseUrl":"https://assets.ing.com/transform/788b6511-95c5-41aa-8af3-6468e1b6fb14/App-adoption-QR","type":"image","width":806},"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!","link":{"url":"/en/individuals/daily-banking/ing-banking-app"},"title":"Download the app"}],"componentType":"cards"}]},"hasMacro":false,"id":"b574fa58-b096-4927-9ada-8f7783c53307","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notice"},{"componentType":"paragraph","richBody":{"value":"The ING More pack includes insurance products designed to make your daily life safer, whether you are travelling, shopping online or attending events.
Below is an overview of the insurances included in the ING More pack.
For complete and detailed information, please refer to the terms & conditions of each insurance product and non-insurance service.
Travel insurance
The travel insurance is provided under AXA Partners Travel Assistance and is underwritten by Inter Partner Assistance SA.
It offers comprehensive protection for trips of up to 90 days, including urgent medical assistance and medical expenses abroad, teleconsultations and travel accidents. Your trips are insured as long as they are fully paid with the account linked to your ING More pack.
Coverage limits:
- Medical assistance and expenses: up to €100,000
- Travel Accidents: up to €100,000
- Rescue and search costs: up to €30,000
Exclusions apply, including medical expenses without prior approval, treatments received in your country of origin, pre‑existing medical conditions, travel against medical advice or for medical treatment, non‑essential or planned medical care, travel to destinations under official travel advisories, claims related to alcohol or drug use, professional or high‑risk sports including off‑piste winter sports, and events known before booking the trip, along with other limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the travel insurance terms and conditions.
Cyber protection
The cyber insurance is provided under EUROP ASSISTANCE S.A.
Coverage for direct financial losses in the event of identity theft.
Coverage limits: €250 for identity theft. The insurance covers a maximum of 1 claim per year.
Exclusions apply, including cash or goods theft, damage already covered by another insurer or by ING, incidents that occurred before the start of coverage; losses caused by poor cyber hygiene (such as missing security updates or lack of antivirus); incidents involving illegal or pirated software; failures of external infrastructures (e.g. internet or power outages); indirect or undocumented losses (e.g. loss of profit or reputational damage); and damage to or replacement of devices, along with other limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the cyber insurance terms and conditions.
ID Protect
A service that scans the deep and dark web to detect whether your personal data have been compromised, such as leaked credentials or illicit use of your information, and sends you alerts so you can take prompt action.
Please note that this service is not automatically active. To use this service, activate it through the Protection Hub in your ING App.
For full details, please check the ID Protect service terms and conditions.
Delivery protection
The delivery protection insurance is provided under Chubb European Group SE.
Coverage for eligible purchases not delivered, damaged or stolen during delivery, as long as you paid with the account linked to your ING More pack.
Eligible items include goods that are: purchased new for personal use, bought from a registered retailer and transported by a professional transport operator.
Coverage limit: €750 per year.
Exclusions apply, including negligence or non‑reported theft, certain categories of items such as jewellery, vehicles, cash, animals and perishables; damage, loss or theft caused by negligence (e.g., leaving parcels unattended for an excessive period); theft of items stored at a collection point; claims where proof of delivery shows a signature or photo; claims with no valid tracking information; and cases where an incorrect delivery address contributed to the loss, along with other limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the delivery guarantee terms and conditions.
Purchase protection
The purchase protection insurance is provided under Chubb European Group SE.
It covers the repair or replacement cost of eligible purchases of at least €50 in the event of accidental damage, theft or loss within 90 days of purchase (or delivery, if later), provided the item was paid for using the account linked to your ING More pack.
Coverage limits: €3,000 per claim and per year.
Exclusions apply, including purchases of live animals and plants, perishable goods, digital items and jewellery, as well as other categories such as cash, vehicles, antiques and collectibles; second‑hand or used goods; normal wear and tear, cosmetic damage or manufacturing defects; damage covered by the manufacturer’s warranty; damage or theft caused by carelessness, or negligence; theft of items left unattended; and items lost or stolen without timely reporting, such as theft not reported to the police within 48 hours, along with additional limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the purchase protection terms and conditions.
Event cancellation protection
The event cancellation protection is provided under Chubb European Group SE.
It covers refund of the non‑refundable part of your ticket for eligible cancellation reasons, as long as you paid the ticket with the account linked to your ING More pack.
Eligible reasons include: serious unforeseen illness, injury or death of you or an immediate family member; being required by the police after a burglary or major damage at home, delay or disruption of your transport, vehicle breakdown or accident causing over 3 hours’ delay.
Coverage limit: €500 per year. The insurance covers a maximum of 1 claim per year.
Exclusions apply, including events cancelled or changed by the organiser, tickets with travel or accommodation, business tickets, season passes, work obligations, known circumstances before purchase, pre‑existing medical conditions, pandemics , missing or invalid ID, along with additional limitations described in the terms and conditions.
Eligibility for insurance coverage is strictly limited to persons who are resident in Belgium.
For full details, please check the event cancellation insurance terms and conditions.
Legal information concerning the ING More
The ING More is a pack that contains an ING More account. The ING More Account is a current account for adult private individuals. It can be applied for in an ING branch or directly online at ing.be, by using the ING Home’Bank services or the ING Banking app, and is 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 More Account and no mandate holder can be authorized if an application is submitted online (via ing.be or the digital channels). 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).
The pack contains the following insurances: Travel insurance, Cyber protection insurance, Delivery protection, Purchase protection and Event cancellation protection. ING has taken out insurance policies as the policyholder for the benefit of its clients with Insurers: AXA Partners Travel Assistance, EUROP ASSISTANCE S.A, Chubb European Group SE, AWP P&C S.A
This pack also includes the following optional ancillary service:
- an ING Visa Classic credit card under the acceptation of ING Belgium, to be requested by (one of) the account holder(s). The relevant terms and conditions and information can be found on the Charges and regulations page on www.ing.be;
- an Amazon Prime subscription (provided by Amazon BE) to be requested by (one of) the account holder(s) on www.amazon.com.be and subject to the terms and conditions of Amazon mentioned on its website;
The account holder may waive/not request all or part of these ancillary services without price reduction. At any time, the customer may change or terminate the pack or the account, free of charge.
Fees are subject to change with prior notification.
Any opening of an ING More is subject to prior acceptance by ING Belgium SA/NV and mutual agreement. Terms and conditions of the ING More (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:
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. - Publisher responsible: Cédric Lebegge - Marnixlaan/Avenue Marnix 24, B-1000 Brussels – Z730072E – 05/26
Insurance intermediary: Bolttech Europe Brokerage S.A.S. – 43 Rue de Liege, 75008, Paris, France – VAT: FR08 892665811 - RCS 892 665 811 – Plate-forme d'assurance intégrée | bolttech – Insurance broker, registered with the ORIAS under the number 21001112
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