The payment always consists of a base rate and a fidelity premium. Note: the sum of the base rate and the fidelity premium applies today only for an amount that remains in your account for one year and as long as the base rate does not change!
Before opening a savings account, read the essential information for savers document.
ING Tempo Savings
Category | Base rate | Fidelity premium | Sum of base rate and fidelity premium | Applicable conditions |
B | 1,60% on a yearly basis | 1,50% on a yearly basis | 3,10% on a yearly basis | Maximum deposit: €500/month |
Link to document with the essential information for savers document (ING Tempo Savings)
ING Savings Account
Category | Base rate | Fidelity premium | Sum of base rate and fidelity premium | Applicable conditions |
A | 0,10% on a yearly basis | 1,40% on a yearly basis | 1,50% on a yearly basis | / |
Link to document with the essential information for savers (ING Savings Account)
ING Orange Savings Account – not commercialised
Category | Base rate | Fidelity premium | Sum of base rate and fidelity premium | Applicable conditions |
A | 0,15% on a yearly basis | 0,10% on a yearly basis | 0,25% on a yearly basis | / |
Link to document with the essential information for savers (ING Orange Savings Account)
ING Lion Deposit – not commercialised
Category | Base rate | Fidelity premium | Sum of base rate and fidelity premium | Applicable conditions |
C | 0,15% on a yearly basis | 0,10% on a yearly basis | 0,25% on a yearly basis | minimum 18 years |
Link to document with the essential information for savers (ING Lion Deposit).
The base rate accrues from the day after the money is deposited to the account until the day on which it is withdrawn. It can be changed by the bank at any time. The base rate is paid into your account on the value date of January 1 or when you close the account.
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. If you withdraw your money before the end of the 12-month period, you will not receive a fidelity premium on that money. This withdrawal will not affect the acquisition of the base rate. This premium runs from the day after the deposit. A new 12-month fidelity period begins to run on the day the fidelity premium is granted. The fidelity premium can be changed by the bank at any time. 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, i.e. 1 January, 1 April, 1 July and 1 October, or when you close your account.
Clients will be notified through their account statements of changes in the mentioned rates.
Costs: 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).
"}},{"componentType":"sectionTitle","title":"Where to consult ING’s savings calculator ?"},{"componentType":"paragraph","richBody":{"value":"Each credit institution has developed this savings calculator and applies to each individual regulated savings account. The aim is to enable you to ascertain the extent to which the various types of interest (base rate and fidelity premium) are earned on a given account, allowing you to assess the financial impact of any withdrawal. This tool can be consulted digitally after the necessary verifications through your PC banking profile via this link (Home'Bank).
"}},{"componentType":"sectionTitle","title":"Which account and fee suits you ?"},{"componentType":"paragraph","richBody":{"value":"This link takes you to the webpage of the savings comparator developed by the Belgian supervisory authority (FSMA). After you enter some information in this comparator such as the amount to be saved and the duration of the deposit, it will provide you a summary of the yield per regulated savings account and per institution.
"}},{"componentType":"sectionTitle","title":"Link to the bank switching service"},{"componentType":"paragraph","richBody":{"value":"This link takes you to Febelfin’s bank switching service where you can find all the necessary information to use this service to switch to another bank, if needed.
"}},{"componentType":"sectionTitle","title":"Main risks"},{"componentType":"paragraph","richBody":{"value":"Bankruptcy risk: In case of bankruptcy or risk of bankruptcy of the financial institution, the saver takes the risk of not recovering their savings or may be obliged to reduce/convert into capital shares (Bail-in) the amount of their claims against the financial institution in excess of €100,000, an amount covered by the deposit protection mechanism. More information on this protection mechanism can be found on the website of the Guarantee and Protection Fund.
Inflation risk: Continuous price increases can cause the deposited money to lose value.
"}},{"componentType":"sectionTitle","title":"General"},{"componentType":"paragraph","richBody":{"value":"The savings accounts described on this page are regulated savings accounts of ING Belgium. These products are subject to Belgian law and unlimited in duration.
"}},{"componentType":"sectionTitle","title":"Taxation"},{"componentType":"paragraph","richBody":{"value":"Withholding tax is not due on the first tranche of interest received (up to a ceiling of €1,020 for the 2025 income year) per account, per natural person resident in Belgium and per year. This amount is doubled for the ING Savings Account or ING Orange Savings Account opened in the name of married or legal cohabitants (i.e. a ceiling of €2040 for the 2025 income year). The withholding tax is 15% on all interest above the ceiling. Your bank automatically withholds this tax at source. If you hold several savings accounts, you must specify the interest received above the ceiling that is not subject to withholding tax on your tax return.
"}},{"componentType":"sectionTitle","title":"Complaints"},{"componentType":"paragraph","richBody":{"value":"If you have a complaint, you can contact the internal complaints department. Call +32 (0)2 547 61 04 or send an e-mail to klachten@ing.be
Have you already contacted ING? For banking disputes, you can contact the Ombudsman for Financial Services (www.ombudsfin.be/en).
"}}]},"hasMacro":false,"id":"f67e6e42-78ee-414b-80d5-c65f74854206","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Saving","url":"/en/individuals/saving"}},"componentType":"editorialHeader","coreHeader":{"body":"If money is transferred from a savings deposit to another savings deposit opened in the name of the same account holder at the same institution, other than through a standing order, the premium acquisition period for the first savings deposit remains vested. This provided that the amount of the transfer is at least €500 and that the account holder concerned has not made three similar transfers from the same savings deposit during the same calendar year.","subtitle":"This webpage for clients and non-clients is brought to you to increase transparency for savers. This webpage summarises all relevant information relating to the 4 different regulated savings formulas offered by ING. These savings formulas are divided into 3 categories.","title":"Regulated savings accounts of the bank ING"},"date":"2026-07-01","headerNotification":{"notification":{"body":"More information about","notificationType":"information","personalizationTaxonomy":{"taxonomyType":"personalizationTaxonomy"},"productTaxonomy":{"taxonomyType":"productTaxonomyContainer"},"textLink":{"text":"the categories","url":"https://www.wikifin.be/nl/sparen-en-beleggen/spaarrekening/wat-een-spaarrekening"}}},"readingTime":4},"publishDate":"2026-07-01T00:01:00.046+02:00"}}