{"type":"document","data":{"id":"1eb11895-dc3d-432a-bcfe-3ed83b3942db","localeString":"en-GB","publishDate":"2025-10-10T14:44:41.096+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Invest and enjoy a fixed and guaranteed return! Opt for the Savings Certificate"},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"/en/individuals/investing/ing-self-invest","text":"Discover ING Self Invest"}},"coreHeader":{"body":"Enjoy a fixed annual interest rate and redemption of 100% of the invested capital at maturity.\r\nA savings certificate is a debt instrument issued by ING Belgium. ING commits to pay you, as savings certificate holder, a fixed annual interest and this throughout the term of the savings certificate. At maturity, ING will repay you the entire invested capital, except in the event of bankruptcy and/or risk of bankruptcy of the issuer.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/4cf3ce82-1156-4f7d-ab68-3de9a76a8860/Young-couple-in-the-park-show-their-toddler-a-beautiful-lake-with-a-fountain-in-the-middle","type":"image","width":5616,"original":"https://assets.ing.com/m/5639af975893f3e1/original/Young-couple-in-the-park-show-their-toddler-a-beautiful-lake-with-a-fountain-in-the-middle.jpg","extension":"jpg"},"title":"Investing in savings certificates","subtitle":"There are currently no cash certificates available.","promoText":"Promotional communication"},"backLink":{"textLink":{"url":"/en/individuals/investing","text":"Investing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What are the benefits?"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/e7f47610-be88-4468-a61d-9b6d2ddd2c1a/device-with-graph","type":"image","width":160,"original":"https://assets.ing.com/m/2909ceb19eac7e23/original/device-with-graph.svg","extension":"svg"},"highlighted":false,"items":[{"body":"You can invest with small amounts, starting from €250.","title":"Small amounts"},{"body":"You know aforehand the interest rate ING will pay you throughout the term of the investment.","title":"Fixed interest rate"},{"body":"The term of a savings certificate is between minimum 1 year and maximum 10 years.","title":"Short or long term"}]},{"componentType":"sectionTitle","title":"Investing involves risks"},{"componentType":"paragraph","richBody":{"value":"<p>Main risks of Savings certificates: </p><ul class=\"check-mark\"><li><strong>Credit risk</strong>: In the event of ING&apos;s bankruptcy or default, there is a risk of partial or no repayment/payment of the invested capital and interest. However, savings certificates are protected by the <a href=\"https://assets.ing.com/m/caa49fe207460e38/original/deposits_protection_EN.pdf\">Guarantee Fund</a>. The Guarantee Fund&apos;s coverage limit is €100,000 per investor and per credit institution.</li><li><strong>Market risk</strong>: The price of a savings certificate may fluctuate <strong>during its term, but not at maturity</strong>. Several factors come into play: market parameters, interest rates, market volatility, ING’s financial health, … In the event of any redemption before maturity, this may impact the value of the savings certificate.</li><li><strong>Liquidity risk</strong>: A savings certificate is not listed on the stock exchange. A decline in ING&apos;s credit rating may have an impact on liquidity. The capital is in principle blocked until maturity. An investor may request for an early redemption of its savings certificates to ING. However, ING is not obliged to redeem the savings certificates before its final term. If ING does repurchase, the early redemption price is determined according to specific parameters as described in the prospectus. The amount repaid early by ING can be less than the initial capital invested but shall never exceed 100% of the nominal value.</li><li><strong>Inflation risk</strong>: In case of continued price increases, the value of the money invested may decrease.</li></ul><p>Should you wish to know more about the risks of a savings certificate, you can find a complete description of the risks and characteristics of our savings certificates in the prospectus available here below if ING Belgium offers savings certificates to the public.</p>"}},{"componentType":"sectionTitle","title":"Costs and charges"},{"componentType":"paragraph","richBody":{"value":"<ul><li><strong>Entry fees</strong><strong> </strong><strong>and/or exit fees</strong>: free of charge (€0) if kept until maturity date.</li><li><strong>Custody fee</strong>: ING does not charge any custody fee for ING savings certificates. However, if you deposit ING savings certificates with another financial institution, a custody fee may be charged.</li><li><strong>P</strong><strong>roduct costs</strong>: ING charges product costs on the nominal value of the invested amount for the management and distribution of this savings certificates. These costs, already included in the issue price, vary according to the savings certificate. The amount is stated on the cost simulation prior to subscription.</li><li><strong>Costs in case of repurchase before maturity</strong>: <ul><li>a penalization rate of 20%. In the event of early redemption by the issuer at the investor&apos;s request prior to maturity, the issuer will determine the price of the savings certificates by calculating a redemption price offering the same yield over the same term as if the value of the savings certificate would have been reinvested at a rate equal to the OLO multiplied by a factor of 1.2 (divided if OLO is negative). The 20% OLO premium represents the penalty rate in the event of early redemption by the issuer.</li><li>no fixed administrative cost</li></ul></li></ul><p>​​​​​There is no certainty that the initial capital can be covered.</p>"}},{"componentType":"sectionTitle","title":"Taxes"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Withholding Tax (WHT): 30% <br />The yield on a savings bond is always expressed as a gross interest rate. To obtain the net return on the savings bond, 30% withholding tax must be deducted.</li><li>Tax on stock exchange transactions (TOB): 0.12% (max €1.300 / transaction) in case of buy or sell on the secondary market</li></ul><p>The above information relating to WHT and TOB is based on current Belgian tax legislation (last update July 2024), which is subject to change by the legislature at any time. This applies to private investors subject to Belgian personal income tax (i.e. individuals who are tax residents in Belgium).</p>"}},{"componentType":"sectionTitle","title":"Documents"},{"componentType":"paragraph","richBody":{"value":"<p>We recommend that you read the following documents before you start investing:</p><ul><li><a href=\"https://assets.ing.com/m/62872c3f6353d40/original/ING_Savings_Certificates_Base_Prospectus.pdf\">Basic prospectus and supplements</a>  </li><li>Summary of the Prospectus (<a href=\"https://assets.ing.com/m/1a45471df71e1f63/original/730871_02_N_Prospectus_summary_ING_Savings_Certificate.pdf\">NL</a>)- (<a href=\"https://assets.ing.com/m/652b77f5fc187075/original/730871_02_F_Prospectus_summary_ING_Savings_Certificate.pdf\">FR</a>)</li><li><a href=\"https://assets.ing.com/m/2973bbc778ae0f44/original/730871_02_Issuance_Savings_Certificate_ING_02_09_2024_Final_Terms.pdf\">Final Terms</a></li><li><a href=\"https://assets.ing.com/m/791db7455015ffb3/original/730871_02_E_Saving-Certificates_Investments.pdf\">Factsheet</a></li></ul><p><strong>Kindly note:</strong></p><ul><li>The FSMA’s approval of the prospectus cannot be considered as a recommendation to invest.</li><li>If a supplement to the prospectus is published during the subscription period, investors have the right to withdraw their subscription within two working days following the publication of this supplement. This is only possible if investors have subscribed to the savings certificate before the supplement of the prospectus is published.</li><li>The history of the base prospectus, its summary and the Final Terms are available on our site.</li><li>After subscription, you can always find your interest rate in the Final Terms of your savings certificate.</li></ul>"}},{"componentType":"cta","textLink":{"url":"/en/individuals/investing/ing-self-invest","text":"Buy a Savings Certificate"}},{"componentType":"paragraph","richBody":{"value":"<p><span><span>There are currently no cash certificates available.</span></span></p><p><strong>&gt;</strong> <a href=\"https://www.ing.be/en/individuals/investing/savingscertificate-archive\">Info on previous issuances - archive</a></p>"}},{"componentType":"sectionTitle","title":"Deposit Guarantee scheme"},{"componentType":"paragraph","richBody":{"value":"<p>ING is a member of the legally required deposit protection scheme in Belgium, the Guarantee Fund.<br />In the event of bankruptcy or risk of bankruptcy, the Guarantee Fund protects all the assets in your accounts with ING (current accounts, savings accounts, term accounts and savings bonds) up to a maximum of 100,000 euros per person.<br />You can find further information on:</p><ul><li><a href=\"https://assets.ing.com/m/caa49fe207460e38/original/deposits_protection_EN.pdf\">General information on the deposit guarantee scheme</a></li><li><a href=\"https://garantiefonds.belgium.be/en\">The guarantee fund website</a></li></ul><p></p>"}},{"componentType":"sectionTitle","title":"A complaint?"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Contact us online:  <a href=\"https://www.ing.be/en/retail/daily-banking/cards-and-payments/complaint-handling\">www.ing.be/complaints</a>, call us: +32 2 464 60 04 or send us a letter: ING Complaint Management, Cours Saint-Michel/Sint-Michielswarande 60, 1040 Brussels.</li><li>Have you already been in touch with ING? You can also contact Ombudsfin, North Gate II. Avenue Roi Albert II 8. 1000 Brussels, or send an email to <a href=\"mailto:ombudsman@ombudsfin.be\">ombudsman@ombudsfin.be</a> (<a href=\"https://www.ombudsfin.be/welkom-%E2%80%93-bienvenue-%E2%80%93-welcome-%E2%80%93-willkommen/\">www.ombudsfin.be</a>).</li></ul>"}},{"componentType":"sectionTitle","title":"Services and contact"},{"componentType":"cards","cards":[{"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"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Is investing right for you?","intro":"Investments: are they a good alternative to savings?","image":{"transformBaseUrl":"https://assets.ing.com/transform/50af64a1-9731-411c-b11d-01f974a1512f/Savings_goals-Tools_Filledin","type":"image","width":24,"altTextNL":"\"\"","original":"https://assets.ing.com/m/3632dc544062b6b6/original/Savings_goals-Tools_Filledin.svg","extension":"svg"},"link":{"url":"/en/individuals/managing-my-assets/investment-academy/five-mistakes-when-start-investing"}}]},{"componentType":"paragraph","richBody":{"value":"<p></p>"},"textLinks":[{"url":"/en/individuals/services","text":"More services and how to contacts us"}]}]}}}