{"type":"document","data":{"id":"39aa4545-7948-44eb-829a-c88ba4f838a9","localeString":"en-GB","publishDate":"2025-11-27T09:01:54.428+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"The ING invest Account is a cash account which allows you to keep cash for your Investments and savings separate from the cash used for your payments. It can be opened through Home’Bank or at your branch, either in euros or another currency."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/accounts/open-account-be?flowname=ing_invest","text":"Open an ING Invest Account"}},"coreHeader":{"body":"The ING Invest Account is a cash account which allows you to keep cash for your investments and savings separate from the cash used for your payments. It can be opened through at your branch, either in euros or another currency.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/d2e3a6a7-314b-4afb-8e94-633b71cf5222/Solar-panels-on-rooftop-of-wooden-structure","type":"image","width":5616,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/456ffd16495948ec/original/Solar-panels-on-rooftop-of-wooden-structure.jpg","extension":"jpg"},"title":"ING Invest Account","subtitle":"Cash account"},"backLink":{"textLink":{"url":"/en/individuals/investing","text":"Investing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Features"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/35a3a8be-5120-4176-b7ce-8f856dc3938c/Investments","type":"image","width":80,"altTextNL":"Beleggingen","original":"https://assets.ing.com/m/6086e195edd125dc/original/Investments.svg","extension":"svg"},"highlighted":false,"items":[{"body":"This account can be linked to a securities portfolio and be used to receive cash related to your investments, such as the payment of dividends. For this, make an appointment at the ING branch of your choice. The ING Invest Account can also be linked to a term account at ING.","title":"Investments"},{"body":"Debit transactions from the ING Invest Account can only be executed to ING accounts also held by you. You can also transfer money from your ING Invest Account within the scope of your investments and/or term account held at ING.","title":"Transactions"},{"body":"You can check out your account balance on the ING Banking app, Home'Bank or on your account statements. And that, whenever you want!","title":"Management 24/7"}]},{"componentType":"paragraph","richBody":{"value":"

Charges

There is no charge for opening, management and closing an ING Invest Account.

Account statements: free in Home’Bank (sending by post is charged).

Fees are subject to change with prior notification.

Please consult: Charges applied to the main banking services and transactions for private use.

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Taxation

The interest is subject to a withholding tax of 30% (for assessment year 2026, income of 2025).

Important information: capital gains tax

This information is provided to you subject to any modifications that may be made, within the framework of the legislative procedure, to the proposal drawn up by the Government.

From 1 January 2026, new Belgian tax regulations will make capital gains on the sale of “financial assets” taxable. Among other things, these assets include cash holdings in foreign currencies (currencies other than the euro). Foreign exchange gains will be treated for tax purposes as capital gains taxable at a rate of 10%.  

Taxpayers subject to taxation in Belgium are liable for this new tax:

As for the banking products concerned, term accounts in foreign currencies would be affected, but not current accounts in foreign currencies.

What this means for you:

Under no circumstances will the bank withhold this 10% tax at source: Belgian tax regulations do not provide for this. It is the responsibility of the taxpayer to declare this income as required.

Special case: purchases made before 1 January 2026

For currency purchases made before 1 January 2026, the exchange rate applicable on 31 December 2025 will be used as a reference to calculate the gain or loss realised from 1 January 2026.

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Important documents

Please read the following documents carefully before opening an ING Invest Account:

These documents are always available on our website and in all ING branches.

Any opening request of an ING Invest Account is subject to prior acceptance by ING Belgium SA.

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Not entirely satisfied?

Contact ING Customer Care Center, Avenue Marnix / Marnixlaan 24, B-1000 Brussels. Call +32 (0)2 547 61 04 or send an e-mail to klachten@ing.be.

If you have been in touch with ING already, you can also contact the ombudsman for banking disputes: Ombudsfin, North Gate II, Boulevard du Roi Albert II / Koning Albert II-laan 8, 1000 Brussels. Call +32 2 545 77 70 or send an e-mail to ombudsman@ombudsfin.be.

"}},{"componentType":"sectionTitle","title":"Services & Contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Carry your bank in your pocket","intro":"Download the ING Banking app","image":{"transformBaseUrl":"https://assets.ing.com/transform/0b8569d9-0f4e-4c61-a84f-747c63743dcb/Mobile-phone-Icon","type":"image","width":200,"original":"https://assets.ing.com/m/339821fea45a86ed/original/Mobile-phone-Icon.png","extension":"png"},"link":{"url":"/en/individuals/daily-banking/ing-banking-app"}},{"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":"small","title":"Any questions?","intro":"Find out more!","image":{"transformBaseUrl":"https://assets.ing.com/transform/20f1c7c4-c7c1-4be5-a1b1-095f57a89efc/Pencil-bubble_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/4881bcedb44bebe7/original/Pencil-bubble_Outline_RGB.png","extension":"png"},"link":{"url":"/en/business/services"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Sustainable and responsible investing","intro":"Building up capital","body":"In 4 questions","image":{"transformBaseUrl":"https://assets.ing.com/transform/9f2a1f6f-29f5-47c0-b853-6a02e7ed5b87/5-questions-sustainable-investment-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/459146c46d3c8629/original/5-questions-sustainable-investment-1920.jpg","extension":"jpg"},"link":{}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How to start investing","intro":"Tips & tricks for beginners","image":{"transformBaseUrl":"https://assets.ing.com/transform/8fc72199-aa92-4b99-8e72-f0a742156c10/your-first-steps-investments-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/235a975e6d9192b1/original/your-first-steps-investments-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/investing/how-to-start-investing"}}]}]}}}