| ING Savings Account (cat. A¹) | ING Tempo Account (cat. B¹) | |
|---|---|---|
| Base rate² | 0.50% annually | 1.20% annually |
| Fidelity premium³ | 1.75% annually | 1.80% annually |
| Charges | Opening, closing & online transfers = Free | |
Account holder(s) | You or other joint holder(s) | Open in your name only |
| Maximum deposit amount | ❌ | ✅ Max €500/month |
| Minimum deposit amount | ❌ | ❌ |
| Duration | Opening and closing at any time | |
| Cash deposit / withdrawal | ✅ | ❌ |
Taxation (Withholding tax on the interest) | ◽Up to €1.020 : \\ | From €1.020 : 15%
In the name of a married couple|civil union: ◽Up to €2.040 : \\ | From €2.040 : 15% | Up to €1.020 : \\
From €1.020 : 15% |
| Risks | Bankruptcy⁴ & Inflation⁵ | |
| Continue | ||
| Key information for savers | Key information for savers | |
¹ More information about the categories
² The base rate accrues from the day after the money is deposited to the account until the day on which it is withdrawn.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.
³ The fidelity premium is only earned on amounts that have remained in the regulated savings account continuously for 12 months after the deposit. Fidelity premiums that have already been earned are paid into your account on the first day following the quarter in which they were earned, i.e. 1 January, 1 April, 1 July and 1 October, or when you close your account. 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.
"}},{"componentType":"paragraph","title":"Costs","richBody":{"value":"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).
"}},{"componentType":"paragraph","title":"Taxation","richBody":{"value":"You do not pay any withholding tax if the interest generated by your ING 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 2025 on income earned in 2024).
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 2025 on income earned in 2024).
This tax regime applies to individuals residing in Belgium. Different tax treatment may apply to others.
"}},{"componentType":"paragraph","title":"Risks","richBody":{"value":"The ING Savings Account and the ING Tempo Account are regulated savings accounts of ING Bank Belgium LC. Belgian law alone applies.
⁴ 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)
⁵ Risk of inflation: rising prices (inflation) can have a negative impact on your purchasing power.
"},"textLinks":[{"url":"https://assets.ing.com/m/9507926bc4cbe0ed/Information-about-the-protection-of-deposits-EN.pdf","text":"Deposits protection information sheet"}]},{"componentType":"paragraph","title":"Complaints","richBody":{"value":"Contact ING Customer Care, Cours Saint-Michel / Sint-Michielswarande 60, 1040 Brussels. Call +32 (0)2 547 61 04 or send an e-mail to klachten@ing.be.
If you have been in touch with ING already, you can also contact the ombudsman for banking disputes: Ombudsfin, North Gate II, Boulevard du Roi Albert II / Koning Albert II-laan 8, 1000 Brussels. Call +32 2 545 77 70 or send an e-mail to ombudsman@ombudsfin.be.
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