The ING Savings Account is a blocked regulated savings account opened on your name on which you deposit an amount as a rental guarantee, in accordance with your rental agreement. This amount usually consists of two- or three-months’ rent depending on the region and the type of lease contract. The interests generated by the capital are also blocked.
"}},{"componentType":"sectionTitle","title":"Characteristics of the ING Savings Account"},{"componentType":"paragraph","richBody":{"value":"ING Belgium SA/NV offers this regulated savings account to private individuals. Belgian law applies.
Category A: this is a classic regulated savings account. There are no conditions attached to the base rate and the fidelity premium.
Current interest rates: the base rate is 0,10% and the fidelity premium 1,15%. The base rate is granted the day following the deposit of the amount on the savings account until the release day. It is paid into your account on the value date of January 1 or when you close the account. The fidelity premium is only acquired on amounts that stay on the savings account for at least 12 consecutive months after 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. Those 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. Rates are gross rates expressed on yearly basis and can be modified at any time. In case of modification, the holder of the account will be informed via account statements. You can find the current rates online and in all ING branches.
Risks:
Risk of insolvency: in case of bankruptcy or risk of bankruptcy, your savings of up to €100,000 are protected by the guarantee on savings deposits, you may lose savings exceeding this amount or be required to reduce/convert them into shares. More information.
Risk of inflation: rising prices (inflation) may negatively impact your purchasing power.
Taxation: You do not pay any withholding tax if the interest generated by your ING Savings Account 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.
Charges: the opening, the closure and the management of the ING Savings Account are free. The charges for sending account statements to your home are €5.00/year + postage (VAT not due).
No fixed duration: the ING Savings Account is a regulated savings account with an unlimited term. The release of the rental guarantee will lead to closure of the regulated savings account.
Before opening your rental guarantee for private use, please read the following documents:
The Essential information for savers of the ING Savings Account
The Charges applied to the main banking services and transactions for private use
Our Complaints Department and Ombudsman are there to help you.
"}},{"componentType":"sectionTitle","title":"Who can open a rental guarantee for private use online at ING?"},{"componentType":"paragraph","richBody":{"value":"You must be able to log in via your ING Banking app or your Home'Bank, and your request will comply all the following conditions:
The rented property is located in Belgium
You are the sole tenant/you rent with multiple tenants under the same rental agreement:
If you live with multiple tenants under the same rental agreement, one of the co-tenants can open the rental guarantee in his/her name and will be the sole account holder. If you want multiple holders for the rental guarantee, please make an appointment with an ING branch.
You are a private individual acting for non-professional purposes
You have at disposal landlord’s data:
•If landlord is a private individual: firstname, lastname, date of birth, email address, address
•If landlord is a legal entity: BCE number, email address, address of legal entity, firstname and lastname of legal representative
Your current account is sufficiently provisioned and your limit for credit transfers is high enough to transfer the rental guarantee amount
Currently, ING does not offer a digital solution to open a rental guarantee for non-ING customers or a rental guarantee with multiple account holders.
Do you not have an ING account yet? Do you want to open a rental guarantee with more than one account holder? Or would you prefer to go to the branch? Please schedule a call with ING to help you further.
"}},{"componentType":"sectionTitle","title":"Good to know"},{"accordionList":[{"richBody":{"value":"The rental guarantee can only be released:
- By a mutual and written agreement between the account holder(s) and the landlord regarding the release of the rental guarantee; OR
- By an enforceable court ruling, or an official statement of reconciliation, which explicitly states what is to be done with the rental guarantee.
Discover the different ways you can release your rental guarantee.
"},"title":"How to release my rental guarantee?"},{"richBody":{"value":"If one of the parties has passed, the heirs must sign (in this case, please provide a copy of the appointment deed and a copy of the heirs ID card).
"},"title":"Succession"},{"richBody":{"value":"If the landlord changes during the rental period, please provide a proof of transfer of landlord (full deed of sale or notary's certificate mentioning the transfer of the rental guarantee) and the ID card(s) of the new landlord(s) via mail to your branch.
"},"title":"Change of landlord"},{"richBody":{"value":"If your rental property is in the Flemish Region and you intend to apply for a rental guarantee loan from the Flemish Housing Fund (Vlaams Woningsfonds), you cannot apply online. We are happy to help you in one of our branches.
"},"title":"Flemish Housing Fund"},{"richBody":{"value":"As an expat, you might need to open a rental guarantee account for your address in Belgium.
If you are an expat (with a current legal address in Spain, Netherlands, Luxembourg, Germany, France) and you will rent a property in Belgium, you will be allowed to open a rental guarantee via the digital flow.
If you do not match the requirement for the online opening, you can contact the nearest ING branch through email or call the ING Customer Service at +32 2 464 60 04 (Monday – Friday between 8am until 6pm).
"},"title":"Expats"},{"richBody":{"value":"There are 2 options:
- One of the co-tenants opens the rental guarantee in his/her name, for themselves and the co-tenants. He/she will be solely responsible for gathering sufficient funds, opening the rental guarantee, informing the landlord, and signing for the release of the rental guarantee. This option can be done digitally or at ING branches.
- All co-tenants and the landlord go to an ING branch and open a rental guarantee with multiple holders. The signature of all account holders and the landlord is required for the release of the rental guarantee. This option can be done at your ING branch.
"},"title":"How can I open a rental guarantee if I live with other co-tenants?"},{"richBody":{"value":"In Belgium, you are legally required to take out fire insurance.
"},"title":"Do I also need to take out home insurance?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"c5fad7b0-a871-42ae-a5e5-cfbac3ab8464","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Saving","url":"/en/individuals/saving"}},"componentType":"productHeader","coreHeader":{"body":"When you want to rent a flat or a house, you might have to set up a rental guarantee to fulfil the conditions on the lease agreement. By this the landlord and you are protected if one party does not fulfil its obligations (payment of rent, maintenance,…). When you move out and leave the property in the conditions agreed in the rental contract with the landlord, the rental guarantee will be refunded to you.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/26d3d359afa22a2e/original/rental-guarantee-account-v2-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/80bb228a-448d-4812-8dd2-e22d7a8f32b1/rental-guarantee-account-v2-1920","type":"image","width":1920},"subtitle":"Why a rental guarantee?","title":"Rental guarantee for private use"},"usps":[{"body":"Immediately available","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/111fcb9104d920f0/original/Lightning_outline_orange_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/f1ce0498-0574-4af1-8df2-8ab4e930230f/Lightning_outline_orange_RGB","type":"image","width":267}},{"body":"Simple, and free of charge. No opening, closure or management fees.","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/9d5027e9896987b/original/thumbs_up_outline_rgb.png","transformBaseUrl":"https://assets.ing.com/transform/27ef4d4f-35b0-4e00-a301-6a5a5ec24ab8/thumbs_up_outline_rgb","type":"image","width":267}},{"body":"Remunerative and fiscally advantageous","icon":{"extension":"png","original":"https://assets.ing.com/m/1457a0ee005d8a3f/original/Products-Chart_Outline.png","transformBaseUrl":"https://assets.ing.com/transform/864624f9-b74d-4b73-bbc0-2b0cff04ae7f/Products-Chart_Outline","type":"image","width":2500}}]},"publishDate":"2026-01-22T14:34:22.209+01:00"}}