One round up functionality per open current account
Each current account can have one active automation.
Simple or accelerator
ING Invest Up also allow you to accelerate investments by using the accelerator. Manage everything yourself via the app: start, stop, and accelarate at your convenience.
Let us give you an example for 1 transaction:
| Transaction with current account | Rounding to next euro | Accelerator | Amount invested |
|---|---|---|---|
| € 2,40 | € 0,60 | x1 | € 0,60 |
| € 2,40 | € 0,60 | x3 | € 1,80 ( = € 0,60 x 3) |
Your spare change will be invested when a minimum of 10€ is reached.
"}},{"componentType":"cta","textLink":{"text":"Let's Invest Up","url":"https://ebanking.ing.be/investments/product/7120/invest-up/open?EW=true"}},{"componentType":"sectionTitle","title":"As easy as ABC"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Open your ING Invest Up"},{"title":"Discover the characteristics of the fund* offered by ING Invest Up"},{"title":"Select your settings"},{"title":"Confirm and... you’re done!"}]}},{"componentType":"cta","textLink":{"text":"Let's Invest Up","url":"https://ebanking.ing.be/banking/content/individuals/products/investments/invest-up/product-page"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"Both solutions automatically round-up your expenses. With ING Save Up, those roundings are transferred to a savings account. With ING Invest Up, they are transferred to an investment account (an ING Easy Invest account specially opened here for), and automatically invested once an amount of minimum 10€ is reached. With ING Save Up, you boost your savings, with ING Invest Up, you boost your investments.
"},"title":"What is the difference between ING Invest Up and ING Save Up?"},{"richBody":{"value":"The service of rounding up your spare money is free.
To invest, you need to open an ING Invest Up. This is done via an ING Easy Invest investment account which we open for you while you apply to open an ING Invest Up. Opening and closing this account is free of charge. Charges apply to the investment you make via ING Invest Up. All the costs and charges linked to your investment are explained and detailed in the ING Invest Up flow. The costs can also be found in the pre-contractual information for the specific investment fund**.
"},"title":"Is there any cost?"},{"richBody":{"value":"Only outgoing payment transactions in euro from the holders' current account for private use, resulting from a credit transfer or debit card payment initiated by the payer are in scope of ING Invest Up. The rounded differences of these transactions will be automatically transferred to a new INg Easy Invest investment account and automatically invested as soon as they reach a minimum amount of 10€.
"},"title":"Which transactions are included?"},{"richBody":{"value":"No, we won’t do any rounding up if your current account has a negative balance or roundups would push your current account balance below zero.
"},"title":"Is it possible that my current account goes below zero due to the activation of the feature?"},{"richBody":{"value":"In an investment fund**. All the details about the fund and the related risks can be found in the subscription flow and in the precontractual documentation.
"},"title":"In what will my money be invested?"},{"richBody":{"value":"Yes, you can. You can sell some or all of the fund units linked to your ING Easy Invest whenever you want.
"},"title":"Can you sell your investments?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"ddcfdfaf-4626-435e-b793-e8a5002f7dba","legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"
*Only outgoing payment transactions in euros to the selected current account, resulting from a transfer or debit card payment made by the payer, are eligible for ING Invest Up. Transactions such as direct debits, transfers initiated by ING Belgium (e.g. for the payment of loans or bank charges),... are not eligible.
**Funds means an “undertaking for collective investment” (= UCI). UCI is a general term which refers to institutions that obtain their financial resources from the public and whose business consists in managing a portfolio of financial instruments. The term “funds” therefore includes both ICVC (variable capital) and ICFC (fixed capital) investment companies and mutual funds as well as their sub-funds.
***This example is purely indicative; there is no reliable indicator of future results and with investments you can lose a part or all of the invested value. Account fees, charges or taxes are not included. The return is calculated with the help of the investment simulator.
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Investing","url":"/en/individuals/investing"}},"componentType":"productHeader","coreHeader":{"body":"Every little bit helps... By opting for round up to investments, your daily payments are rounded up to the next euro and invested for you in an investment fund**. Simple & quick!","headerImage":{"extension":"png","original":"https://assets.ing.com/m/50c93e4ae3a9fac2/original/A-woman-sits-at-an-outside-cafe-table-with-her-computer-and-makes-a-contactless-payment-to-pay-for-her-finished-meal.png","transformBaseUrl":"https://assets.ing.com/transform/bd9702c7-68d8-4e31-af24-ca67c2445f51/A-woman-sits-at-an-outside-cafe-table-with-her-computer-and-makes-a-contactless-payment-to-pay-for-her-finished-meal","type":"image","width":900},"subtitle":"Invest small amounts without even noticing!","title":"ING Invest Up: round up your spare change automatically"},"cta":{"componentType":"cta","textLink":{"text":"Let's Invest Up","url":"https://ebanking.ing.be/investments/product/7120/invest-up/open?EW=true"}},"secondaryCta":{"textLink":{"text":"Terms & Conditions","url":"https://assets.ing.com/m/173fe16be27354e1/original/Invest-Up-terms-and-conditions_EN.pdf"}}},"publishDate":"2026-05-03T14:30:00.049+02:00"}}