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² The base rate accrues from the day after the money is deposited to the account until the day on which it is withdrawn.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.
Interest rates are expressed gross on an annual basis and may be adjusted at any time. You can find the current rates online and at any ING branch. If rates change, account holders are informed via their account statements.
"}},{"componentType":"paragraph","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 ).
"},"title":"Costs"},{"componentType":"paragraph","richBody":{"value":"You do not pay any withholding tax if the interest generated by your ING Savings Account and ING Tempo 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.
Taxes are not taken into account in the above simulator.
"},"title":"Taxation"},{"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.
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.
Deposits protection information sheet
"},"title":"Risks"},{"componentType":"paragraph","richBody":{"value":"
Our complaints service and the Ombudsman are here to help you.
"},"title":"Complaints"}]},"hasMacro":false,"id":"4fbffb6e-b9eb-4d99-8ff0-b4aab0f4ab56","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Saving","url":"/en/individuals/saving"}},"componentType":"productHeader","coreHeader":{"body":"The savings simulator is a tool designed to give you an estimate of how your total savings could evolve based on the current base interest rate and loyalty premium.\r\n\r\nPlease read all product information at the bottom of the page before opening an account.","subtitle":"Calculate the potential return of your ING Savings Account (cat. A¹) and ING Tempo Savings (cat. B¹).","title":"Simulate the potential growth of your savings!"}},"publishDate":"2026-01-06T14:28:21.682+01:00"}}