| 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 from the day following the deposit. Funds that remain in the account for less than one year are ineligible. The fidelity premium rate in force at the time of deposit will remain unchanged for a period of 12 months. The premium is paid on the first day after each quarter in which the fidelity premium is acquired, or when the account is closed.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/1f0ac8a8-5d20-4567-94ed-cbabc5ea746c/Your-budget-header-3","original":"https://assets.ing.com/m/b40c07f5f1c893/original/Your-budget-header-3.jpg","extension":"jpg"}},{"componentType":"paragraph","richBody":{"value":"The base rate interest starts to accrue on the day after the money is paid into the account and continues up to the day it is withdrawn. It is paid into your account on a yearly basis, on the 1st of January, or when you close your 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/14518c58-d363-4ea1-899d-afff211ed0a5/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming","original":"https://assets.ing.com/m/3ad15167e3061bee/original/A-woman-and-a-toddler-sitting-on-the-kitchen-floor-drumming.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: In the event of bankruptcy or the risk of bankruptcy of the financial institution, the saver bears the risk of not recovering his or her savings or may be obliged to reduce/convert the amount of his or her claims against the financial institution in excess of 100,000 euros - an amount covered by the deposit protection mechanism - into capital shares (Bail-in). You can find out more about this protection system on the following website
Guarantee Fund for financial institutions (belgium.be)
Inflation risk: persistent rises in prices could cause the money deposited to fall in value.
"}},{"componentType":"sectionTitle","title":"Saving for your child"},{"componentType":"paragraph","richBody":{"value":"| Easy to open | Want to save for your child? Get started right away. Open your savings account online or in one of our branches. Your child receives authority over the amount in this savings account on his or her 18th birthday. This savings account can only be opened in 1 name (one account per child). Not an ING customer yet? You can register with ING without opening an account yourself, and then you can open an account for your child. |
| Parental control | Want to keep an eye on them? You can simply do so via your computer or smartphone, until your child turns 18. |
| No extra fees | Open, close and manage your savings account for free. Account statements can be consulted via digital channels. |
| Deposit | No minimum, maximum 500 euros per month (not including interest). On this savings account, you save via an automatic savings order from your current account or that of your child to your child’s savings account. If you do not have an ING current account, you can transfer money via a transfer from an external current account. If you deposit more than 500 euros into the account, the excess amount will automatically be refunded in full. |
| Account management | This account is made for digital use. |
Category B
This is a regulated savings account with certain conditions attached. On the ING Tempo Savings, there is a limit on the maximum amount that can be deposited in that account per month (max 500 euro)
More information about the categories.
Taxation
As long as the interest does not exceed 1,020 €, your child will not pay withholding tax.
However, are the interests higher than 1,020 euro? Then your child will pay a withholding tax of 15% (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/39527f9e345c3dca/original/INGTempoSavings_termandconditions_EN.pdf","text":"Terms and Conditions of the ING Tempo Savings (PDF)"},{"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/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
It’s always possible that there will be times when you are not completely satisfied with something. Let our Customer Care Team know how we can solve your problem. All the information about this can be found on the following page: How do I submit a complaint?
What if you are not satisfied with the processing of your complaint?
To submit a complaint, and to guarantee faster processing, please use the complaint form on the Ombudsfin website: https://www.ombudsfin.be/en/introduce-a-complaint. Email (only if you are experiencing problems with the complaint form): ombudsman@ombudsfin.be
"}},{"componentType":"sectionTitle","title":"How do I open an online savings account?"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Sign in","body":"Using itsme®, your ING Banking app or your ING Card Reader"},{"title":"Request your account","body":"Fill in your child's details"},{"title":"Confirm your request","body":"And consult your account directly in the ING Banking App"}]}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/accounts/account-for-minors-stp-tempo-savings?EW=true","text":"Open this savings account"}},{"componentType":"paragraph","title":"Not a client but willing to open an account for your child?","richBody":{"value":"First register with ING using itsme®, then follow the steps to open an ING Tempo Savings for your child.
"}},{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/individuals/services/onboarding?product=do_more-pack&flow-step=step-do-itsme-phone-number","text":"Register with ING"}},{"componentType":"sectionTitle","title":"Discover the ING Savings Account"},{"componentType":"paragraph","title":"Save at your own pace, with complete freedom.","richBody":{"value":"The ING Savings Account is a category A regulated savings account, ideal for those who want to save flexibly for their child. You choose how much and when you save, without any minimum or maximum. Would you rather have freedom than a fixed routine? Then this savings account is ideal.
Consult the essential information for savers.
"},"textLinks":[{"url":"/en/individuals/saving/youth-savings-account","text":"More about the ING Savings Account"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/f6fc45b9-2b71-47b0-8a37-cc54ba6eae8e/Close-up-of-a-little-girl-playing-jenga","original":"https://assets.ing.com/m/32489018560d764b/original/Close-up-of-a-little-girl-playing-jenga.jpg","extension":"jpg"}},{"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":"When will my child receive interest on his/her savings account?","richBody":{"value":"The base rate interest starts to accrue on the day after the money is paid into the account and continues up to the day it is withdrawn. It is paid into your account on a yearly basis, on the 1st of January, or when you close your account.
The fidelity premium is only earned on amounts that have remained uninterruptedly in the regulated savings account for 12 months from the day following the deposit. The premium is paid into the account on the first day after each quarter (January, April, July, October)
"}},{"title":"How and why do I save for my child?","richBody":{"value":"Want some more tips and tricks on exactly how to get started? We would be happy to help you. Feel free to read a bit more about why and how to save for your child.
"}},{"title":"Can my child withdraw money without my permission ?","richBody":{"value":"No, with an ING Tempo Savings Account for your child, it is not possible to give your child permission to do this. No, with an ING Tempo Savings Account for your child, it is not possible to give your child permission to do this.
"}},{"title":"Do I need an ING current account to open an ING Savings Account for my child ?","richBody":{"value":"If you are not yet an ING customer, you can open an ING Tempo Savings account for your child, both digitally and in-branch. You only need to be registered with ING to be able to open and manage your child’s account. If you already have an ING account (Current, Savings or Investment Account), you can open the account both digitally and in-branch.
"}},{"title":"Where can the money in a minor’s ING Tempo Savings account be transferred to?","richBody":{"value":"Money can be transferred from a minor’s ING Tempo Savings account to:
Please note that the money in the account of a minor must be managed by the legal representative as a prudent and reasonable person.
"}}]},{"componentType":"sectionTitle","title":"Services & Contact"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Carry your bank in your pocket!","intro":"Download our app for smartphone or tablet","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb3d520a-f5ff-41a7-8cef-dfac9e47ec8e/Savings_goals-Tools_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c368d3243c21e12/original/Savings_goals-Tools_Outline.svg","extension":"svg"},"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":"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"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Children between 8 and 17 years old?","intro":"Open a free ING Go to 18 account","image":{"transformBaseUrl":"https://assets.ing.com/transform/b5477a92-4590-45ae-aec6-1ee774338aa2/Three-teenage-friends-having-a-snack-in-car","type":"image","width":5242,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/asset/b5477a92-4590-45ae-aec6-1ee774338aa2/Three-teenage-friends-having-a-snack-in-car.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/youth-free-account"},"promotionalLabel":{"labelType":"commercial","body":"Offer"}}]}]}}}