| Base rate | 0,10% |
| Fidelity premium | 1,15% |
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/75856c44-a068-4a20-85d3-8ba7bc4a0272/Close-up-of-man-holding-small-basil-plant-in-a-garden-centre","original":"https://assets.ing.com/m/3a024494a4eff296/original/Close-up-of-man-holding-small-basil-plant-in-a-garden-centre.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base rate accrues from the day after the money is deposited to the account until the day on which it is withdrawn.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":{"transformBaseUrl":"https://assets.ing.com/transform/cf185a17-148e-42d9-a99b-5f7460e29b07/Large_MS-PPT_Web-Laughing-woman-in-a-green-hoodie-and-eyeglasses-using-a-mobile-phone","original":"https://assets.ing.com/m/4fe042120894ad32/original/Large_MS-PPT_Web-Laughing-woman-in-a-green-hoodie-and-eyeglasses-using-a-mobile-phone.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"Risks"},{"componentType":"paragraph","richBody":{"value":"The ING Savings Account 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 Savings Account easily on your preferred digital channel or in an ING branch. |
| Save at your own pace | Manage your funds with flexibility. Credit your ING Savings account freely from any account with no deposit limit. |
| 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. This external reference account will be the only current account to which you can transfer money from your ING Savings Account. |
No extra fees | Opening/closing/annual statement is for free. The cost of sending the account statements of the ING Savings Account and the ING Green Savings Account by post is €5/year + postal charges (list of current rates). |
Category A
This is a classic regulated savings account. There is no condition attached to the base rate or the fidelity premium.
Taxation
You do not pay any withholding tax if the interest generated by your 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","textLinks":[{"url":"https://assets.ing.com/m/6de55a9c0b9e40a4/original/INGSavingsAccountproductsheetEN.pdf","text":"Essential 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/1c510d7df999e6f0/INGSavingsAccount_termandconditions_EN.pdf","text":"Terms and Conditions of the ING Savings Account (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 ING Tempo Savings"},{"componentType":"paragraph","title":"The regulated savings account for recurring savings","richBody":{"value":"ING Tempo Savings is our category B. savings account for people who prefer regular savings at a higher rate (max. €500 each month). If you prefer saving on a regular basis, check out our ING Tempo Savings account.
Consult the essential information for savers.
"},"textLinks":[{"url":"/en/individuals/saving/automatic-savings-account","text":"Discover ING Tempo Savings"}],"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/fc412428-0802-4faf-b592-144c06842bdd/ing-savings-account-1920","altTextEN":"online savings account","altTextNL":"spaarrekening openen","altTextFR":"compte épargne en ligne","original":"https://assets.ing.com/m/6e9f6281b75b06fa/original/ing-savings-account-1920.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 Savings Account","body":"Using itsme®"},{"title":"Download the ING Banking app","body":"Or continue in Home'Bank"},{"title":"Access your new ING Savings Account","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=savingsopen"},{"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 Savings Account.
"}},{"componentType":"cta","textLink":{"url":"/en/individuals/saving/open-savings-account-login","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":"Yes, you can! For 2 account holders! You can easily open a joint savings account via Home'Bank or the ING Banking App. Prefer to come in person? It's also possible to make an appointment at an ING branch to open a savings account with a co-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 starting on the day after the deposit. It is paid to the account every quarter (January, April, July, October).
"}},{"title":"Can I save for my baby, god child or grand child?","richBody":{"value":"Yes, of course.
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.
Join our orange family by opening the current 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.