In principle, you have to be at least 16 to start a student job. However, you can start working as from your 15th birthday if you have attended at least the first two years of high school.
"}},{"componentType":"sectionTitle","title":"2. How much does a student job pay?"},{"componentType":"paragraph","richBody":{"value":"The pay rate for your student job is based on the collective labour agreements (CAOs) of the sector you work in. Your hourly wage will be based on your age and prior experience in other student jobs.
Is there no CAO between unions and employers in your sector? In that case your wage will be based on the guaranteed average monthly minimum income.
"}},{"componentType":"sectionTitle","title":"3. How many hours can I work as a student?"},{"componentType":"paragraph","richBody":{"value":"You can work 475 hours per calendar year. As long as you stay within this limit, you will pay a reduced rate of social contributions on your income.
"}},{"componentType":"highlight","richBody":{"value":"In 2021, certain hours worked will not count towards the annual total of 475 hours. This is a temporary measure, due to the coronavirus. This way, you can sometimes work more and still pay reduced social contributions.
"},"textLinks":[{"url":"https://www.mysocialsecurity.be/student/en/transversal/covid19.html","text":"Read more about it here."}]},{"componentType":"paragraph","richBody":{"value":"If you live in Flanders or Wallonia, working less than 476 hours mean your parents will keep receiving child benefits (or the Groeipakket) as long as you are studying and under 25 years old.
Do you live in the Brussels-Capital Region? Then you must make sure that you do not work more than 240 hours per quarter. Otherwise, the child benefits will be cancelled. In the East Cantons, this limit is 175 hours per quarter. Click here for a handy overview (PDF).
You can work more than 475 hours per year if you want to, but you’ll have to pay the normal rate of social contributions like a regular employee on any additional hours. In that case you’ll be employed with a regular contract rather than a student contract.
You can work more than 475 hours per year if you want to, but you’ll have to pay the normal rate of social contributions like a regular employee on any additional hours. In that case you’ll be employed with a regular contract rather than a student contract.
"}},{"componentType":"highlight","title":"Tip:","richBody":{"value":"You can consult the number of hours you’ve worked and print any necessary certificates via Student@work. And you can easily check the ING Banking app to see if you’ve received your wages yet.
"}},{"componentType":"sectionTitle","title":"4. When do I have to pay taxes as a student?"},{"componentType":"paragraph","richBody":{"value":"As long as you earn no more than € 12.928,57 in a year, you don’t have to pay any tax. Note that this is the limit for 2021; it is adjusted yearly. This number refers to your gross income after the necessary social contributions.
"}},{"componentType":"sectionTitle","title":"5. How long can I work as a student after I graduate?"},{"componentType":"paragraph","richBody":{"value":"Student jobs are reserved for those who are studying, so in theory you can’t work as a student once you’ve graduated. There is one exception: if you graduate in June, you can still work under a student contract until the 30th of September of the same year.
"}},{"componentType":"sectionTitle","title":"6. Do I have to sign an employment contract?"},{"componentType":"paragraph","richBody":{"value":"Yes, always sign a contract before you start working as a student. Make sure both you and the employer sign the document, and that you get your own signed copy. The contract details how long you will be working with this employer, how much you get paid, and what the job entails.
"}},{"componentType":"sectionTitle","title":"7. Do I get paid leave and public holidays as a student?"},{"componentType":"paragraph","richBody":{"value":"Leave and holiday pay are reserved for employees who pay regular social contributions. Since you pay social contributions at a reduced rate during your first 475 hours of work as a student, you miss out on these benefits.
Things might be different for public holidays like the national day, Easter and Christmas, which you may be entitled to, even if they are after the end of your contract. You can find more information on the Student@work website.
"}},{"componentType":"sectionTitle","title":"This is your time to shine"},{"componentType":"paragraph","richBody":{"value":"Between 18 and 25 years old? Open an ING Do More 18-25 Pack for free.
"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Managing your family budget","body":"The 6 steps to follow","image":{"transformBaseUrl":"https://assets.ing.com/transform/0b93934a-4997-4783-b82d-0d1ca5113406/budget-plan-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/27e32a4e1411a40/original/budget-plan-1920.jpg","extension":"jpg"},"date":"2022-01-05","link":{"url":"/en/individuals/my-life/budget-tips/plan-family-budget"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Credit card for student","intro":"Enjoy the carefree student life to the full with your very own ING Visa classic credit card","image":{"transformBaseUrl":"https://assets.ing.com/transform/3ebca973-d7e1-44ae-90c1-679a53982f10/credit-card-students-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/4167e1364115879a/original/credit-card-students-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/credit-cards/credit-card-youth"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","richBody":{"value":"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 www.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
Please read the following documents:
Charges Applied to the Main Banking Services and Transactions for private use (PDF)
General information regarding accounts, digital channels and cards (PDF)
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: Sali Salieski - Cours Saint-Michel 60, 1040 Brussels.
"}}]}}}