¹ More information about the categories
² Base rate
The base rate accrues from the day after the money is deposited to the account until the day on which it is withdrawn.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 rates (expressed on an annual basis).
³ Fidelity premium
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. Interest rates are gross rates (expressed on an annual basis).
Interest rates may be adjusted at any time. If rates change, we will inform you via your account statements.
⁴ Parental authorization
You can allow your child to access and manage his or her savings account, while maintaining a supervisory role as parent or legal representative. More information here.
⁵ Account holders
The ING Savings Account can be shared between several holders. The ING Tempo Savings Account can only have one holder.
⁶ Payment limits
No minimum, maximum €500 per month (interest not included). On this savings account, you save via a standing order from your current account to your savings account. If you don't have an ING current account, you can transfer money from an external payment account. If you make a transfer that brings the total amount paid into the Tempo during the current month above €500, the transfer exceeding this limit will be returned to the issuing account.
Opening/closing/annual statement is for free. The cost of sending the account statements of the ING Savings Account and the ING Orange Savings Account by post is €5/year + postal charges (list of current rates).
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"}},{"icon":{"extension":"svg","original":"https://assets.ing.com/m/2863c42db2377c73/original/Blue-tax-envelope-Euro-coins.svg","transformBaseUrl":"https://assets.ing.com/transform/6b92e17a-1144-4fd7-8b1f-abef616aa4a0/Blue-tax-envelope-Euro-coins","type":"image","width":160},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"You do not pay any withholding tax if the interest generated by your ING Savings Account and ING Tempo Savings 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.
"}}],"title":{"value":"Taxation
"}},{"icon":{"extension":"svg","original":"https://assets.ing.com/m/957c3110daaa1b7/original/Target-3-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/c91f02ab-711c-4020-b653-4e53aa09349f/Target-3-spot","type":"image","width":160},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"The ING Savings Account and the ING Tempo Savings are regulated savings accounts 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.
Risks
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"},"textLinks":[{"text":"How to submit a complaint ?","url":"/en/individuals/services/complaint-handling"}]}],"title":{"value":"Complaints
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