| Base rate | 0,75% | ||||
| Fidelity premium | 1,50% |
The fidelity premium is only earned on amounts that have remained uninterruptedly in the regulated savings account for 12 months starting on the day after the deposit. The rate of the fidelity premium in force at the time of payment or the start of a new period remains unaltered for a period of 12 months. Fidelity premiums that have already been earned are paid into your account on the first day following the quarter in which they were earned or when you close your account.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/8b38e07a-8917-4100-a022-5a45773337fb/Midsection-of-woman-holding-flowering-plants","original":"https://assets.ing.com/m/15d8331b76ae6c33/original/Midsection-of-woman-holding-flowering-plants.jpg","extension":"jpg"}},{"componentType":"paragraph","richBody":{"value":"The base rate accrues from the day after the money is deposited to the account until the day on which it is withdrawn. The base rate is paid into your account on the value date of January 1 or when you close the account.
Interest rates are gross and expressed on an annual basis and may be adjusted at any time. You can find the current rate online and at any ING branch. If the rate changes, we inform account holders on their account statements.
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/a748038f-7d74-4ceb-b8c9-16f700cb11ea/Woman-laughing-while-a-green-parrot-is-sitting-on-her-shoulder","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/17ea1eb1e418e39c/original/Woman-laughing-while-a-green-parrot-is-sitting-on-her-shoulder.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Risks"},{"componentType":"paragraph","richBody":{"value":"The ING Tempo Savings is a regulated savings account of ING Bank Belgium LC. Belgian law alone applies.
Risk of bankruptcy: your savings of up to €100,000 are protected by the guarantee on savings deposits. In the event of ING going bankrupt or in the event of a risk of bankruptcy, you may lose savings in excess of this amount or be required to reduce/convert them into shares. For more information, please consult the website
Guarantee Fund for financial institutions (belgium.be)
Risk of inflation: rising prices (inflation) can have a negative impact on your purchasing power.
"}},{"componentType":"sectionTitle","title":"Now is the moment to start saving"},{"componentType":"paragraph","richBody":{"value":"| Accessible to anyone | Already a customer? Open your ING Tempo Savings easily on your preferred digital channel or via an ING branch. Not a customer yet ? Become an ING client & open your ING Tempo Savings online or via an ING branch. This account is meant for online use only. |
| Save regularly | Save regularly up to 500€ per month. With this savings account you can save via a standing order from your current account to your savings account. If you do not have an ING current account, you can transfer funds via a transfer from an external current account. |
| Access your funds when needed | You can transfer the necessary funds at any time to a current account with the same account holder(s) as the savings account. For customers who do not have a current account with ING, it is possible to add a reference account at another Belgian bank, via this online form or at a branch (more info in the FAQ below). This external reference account will be the only current account to which you can transfer money from your ING Tempo Savings. |
| No extra fees | Open, close and manage your savings account for free. |
| For your own savings only | You can only have 1 ING Tempo Savings per holder, and there can only be 1 holder per ING Tempo Savings. |
Category B
This is a regulated savings account with certain conditions attached. For example, there may be a limit on the maximum amount that can be held in the account or on the maximum amount that can be deposited in that account per month.
More information about the categories
Taxation
You do not pay any withholding tax if the interest generated by your ING Savings Account savings account is less than €1,020. This amount is doubled for accounts opened in the name of a married couple or those in a civil union, i.e. a ceiling of €2,040 (tax paid in 2026 on income earned in 2025).
If your interest exceeds €1,020 (€2,040 for a married couple or those in a civil union), you pay 15% withholding tax on the interest exceeding this amount (tax paid in 2026 on income earned in 2025).
This tax regime applies to individuals residing in Belgium. Different tax treatment may apply to others.
Important documents
Please read the following documents before you open a savings account:
"}},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"url":"https://assets.ing.com/m/0541eb82b958c050/original/INGTempoSavingsproductsheetEN.pdf","text":"Key information for savers (PDF)"},{"url":"https://assets.ing.com/m/3ed42f25df2ca5b2/original/general-information-regarding-accounts-digital-channels-and-cards-EN.pdf","text":"General information regarding accounts and cards (PDF)"},{"url":"https://assets.ing.com/m/39527f9e345c3dca/original/INGTempoSavings_termandconditions_EN.pdf","text":"Terms and Conditions of the ING Tempo Savings (PDF)"},{"url":"https://assets.ing.com/m/4f78f60fd9714d80/original/pricing-list-private-new-EN.pdf","text":"Charges applied to the main banking services and transactions for private use (PDF)"},{"url":"https://assets.ing.com/m/caa49fe207460e38/original/deposits_protection_EN.pdf","text":"Deposits protection information sheet (PDF)"}]},{"componentType":"paragraph","richBody":{"value":"Complaints
Our Complaints Department and Ombudsman are there to help you.
"}},{"componentType":"sectionTitle","title":"Discover the ING Savings Account"},{"componentType":"paragraph","title":"Save at your own pace, with total freedom.","richBody":{"value":"The ING Savings Account is a regulated category A savings account, perfect for those who want to save flexibly. You decide how much to deposit and when, there’s no minimum or maximum. Prefer freedom over routine? This account is made for you.
Consult the essential information for savers.
"},"textLinks":[{"url":"/en/individuals/saving/classic-savings-account","text":"Discover ING Savings Account"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/2470906b-2e27-49a1-87cb-27ad03c82925/Low-angle-view-of-a-woman-in-flip-flops-planting-seedlings","original":"https://assets.ing.com/m/3cbe82a1cb94155d/original/Low-angle-view-of-a-woman-in-flip-flops-planting-seedlings.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"You are not yet an ING customer and would like to open a savings account?"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Register with ING & Open your ING Tempo Savings","body":"Using itsme®"},{"title":"Download the ING Banking app","body":"Or continue in Home'Bank"},{"title":"Access your new ING Tempo Savings","body":"Instantly in our digital channels"},{"title":"Add your external reference account","body":"Via the online form or by contacting one of our branches with, or without an appointment."}]}},{"componentType":"paragraph","richBody":{"value":""}},{"componentType":"feature","featureName":"floating-cta?product=temposavingsopen"},{"componentType":"sectionTitle","title":"Already an ING customer ?"},{"componentType":"paragraph","richBody":{"value":"Log in via the ING Banking App or via Home'Bank and request your ING Tempo Savings.
"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/accounts/open-account-be?flowname=tempo_savings&EW=true","text":"Log in"}},{"componentType":"paragraph","richBody":{"value":"Can't open your bank account online? Feel free to schedule an appointment at one of our branches.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is a savings account?","richBody":{"value":"A savings account is a deposit account which allows you to store your money safely and earn interest. You can withdraw the funds whenever you need them.
"}},{"title":"Can I open a savings account for more than one holder?","richBody":{"value":"You can open an ING Tempo Savings account in your name only. A maximum applies of one ING Tempo Savings account per holder.
"}},{"title":"When do I receive the interest on my savings account?","richBody":{"value":"The base interest rate is applied from the day after the money is deposited to the regulated savings account until the day of withdrawal. It is paid to your savings account on a yearly basis, on the 1st of January.
The fidelity premium is only earned on amounts that have remained uninterruptedly in the regulated savings account for 12 months following the day of the payment. It is paid to the account every quarter (January, April, July, October).
"}},{"title":"Can I add a power of attorney to my ING Tempo Savings?","richBody":{"value":"Your ING Tempo Savings is intended for use by one holder only.
"}},{"title":"Do I need an ING current account to open a savings account from ING?","richBody":{"value":"No, you don't need to have an ING current account to open a savings account from ING. However, we think that our current accounts can also be very interesting and we invite you to discover its advantages.
"},"textLinks":[{"url":"/en/individuals/daily-banking/compare-bank-accounts","text":"Go to our current accounts"}]},{"title":"Want to get started with ING?","richBody":{"value":"Join our orange family by opening the current account or the savings account that suits you best.
"}},{"title":"How do I add an external reference account?","richBody":{"value":"Via the online form: select the regulated savings account to which you want to link an external reference account, enter your external reference account held at another Belgian bank, and make a transfer of at least €0.01 from this external account to your regulated ING savings account.
"}}]},{"componentType":"sectionTitle","title":"Services & Contact"},{"componentType":"cards","cards":[{"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":"Find a branch","image":{"transformBaseUrl":"https://assets.ing.com/transform/dab6ec23-57b0-42e8-bfe1-042f611ed4c6/Location-Location_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/376d26620acc843/original/Location-Location_Outline.svg","extension":"svg"},"link":{"url":"/en/individuals/services/branches"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Experience the new ING Banking app","intro":"Professional and private banking anyplace, anytime","image":{"transformBaseUrl":"https://assets.ing.com/transform/5a4a6898-2182-4000-ab75-fad646b4e057/ing-banking-app-boost-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/1b86bb35ee7e6f2a/original/ing-banking-app-boost-1920.jpg","extension":"jpg"},"link":{"url":"/en/business/payments/ing-app-business"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"I close my savings account","intro":"Directly online","image":{"transformBaseUrl":"https://assets.ing.com/transform/4c8f79aa-f653-430e-bd15-7a94e7640b59/Fingerprint-phone-hand-spot","type":"image","width":615,"original":"https://assets.ing.com/m/6e6f3de4c512a23f/original/Fingerprint-phone-hand-spot.png","extension":"png"},"link":{"url":"https://ebanking.ing.be/banking/content/individuals/general/daily-banking/retention-flow-screen-1?EW=true"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"The savings account for young people","intro":"ING Savings Account (cat. A¹), regulated savings account for your child. Consult the essential information for savers.","image":{"transformBaseUrl":"https://assets.ing.com/transform/2c7df259-03e5-488d-919d-8e19ef63d534/Young-boy-with-pirate-eye-patch-sits-with-father-on-boat-on-the-canal","type":"image","width":5616,"original":"https://assets.ing.com/m/1c7e5c7483a31e65/original/Young-boy-with-pirate-eye-patch-sits-with-father-on-boat-on-the-canal.jpg","extension":"jpg"},"link":{"url":"/en/individuals/saving/youth-savings-account"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Automatic saving","intro":"Want to save? It’s easy","image":{"transformBaseUrl":"https://assets.ing.com/transform/50e4f341-008b-4fb4-a986-feda94976214/WOMAN-STANDING-BY-WINDOW-IN-ROOM","type":"image","width":7200,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/97a7770594df692/original/WOMAN-STANDING-BY-WINDOW-IN-ROOM.jpg","extension":"jpg"},"link":{"url":"/en/individuals/saving/standing-order"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"ING Banking app","intro":"Manage your accounts safely on your smartphone","image":{"transformBaseUrl":"https://assets.ing.com/transform/b00ab196-8583-4fff-be5d-c47ab14e53f2/ing-banking-app-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/61138ab1a559002a/original/ing-banking-app-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/ing-banking-app"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Save your change?","intro":"With ING Save Up, you save small amounts without even realizing!","image":{"transformBaseUrl":"https://assets.ing.com/transform/18fb9353-5afc-42f2-b58e-4c2e4de9046c/piggybank2womanwithladder","type":"image","width":1500,"original":"https://assets.ing.com/m/566e340adeaf8ce/original/piggybank2womanwithladder.svg","extension":"svg"},"link":{"url":"/en/individuals/services/ing-save-up-save-your-change"}}]}]}}}