Savings

ING FlexiBonus Account

Use your funds to generate a return

FlexiBonus 6 months is currently unavailable. Looking for a different way to save in the meantime? Discover our other savings solutions or contact your ING adviser.

  • Short-term savings

    You choose how much to save (there is no minimum amount) and you also choose the bonus period. Each time the bonus period ends, it renews automatically.

  • No charges

    You can open and manage this savings account 100% free of charge. Credit transfers from and to your ING current account are also free.

  • Access to your money

    You can access your funds whenever you need them: simply transfer them to your current account.

Does your company have funds available for future investments on a regular basis? If so, the smart thing to do is to use those funds to generate a return.

One example is a savings account with guaranteed bonus interest after 3 or 6 months, such as ING FlexiBonus Account 3 or ING FlexiBonus Account 6. In addition to a 0.01% base rate, you would usually receive a bonus rate for 3 or 6 month savings according to the bonus period you chose . However, due to market conditions we cannot award a bonus rate at the present time. These gross interest rates are before any fees and/or taxes that may be applicable.​​​​

Interest rates are expressed on an annual basis and are subject to change. You can find current rates online and at all ING branches. If there is a change in the rate we will inform our account holders via their bank statements. You can easily consult your balance via your bank statements, Home’Bank, Business’Bank and the app for smartphone and tablet.

You can open and manage this savings account 100% free of charge. Credit transfers from and to your ING current account are also free. And you can make transfers yourself online via Business'Bank or ​Telelink Online.

To open this account, simply visit your ING branch. You will need your business registration number and an ING current account for business purposes to link to the savings account. It is possible to hold both an ING FlexiBonus Account 3 and an ING FlexiBonus Account 6. You can use both accounts simultaneously.

You choose how much to save up to a maximum of 5 million euros. There is no minimum amount. You also choose the bonus period: 3 or 6 months. Each time the bonus period ends, it renews automatically.

You can access your funds whenever you need them: simply transfer them to your current account.

The ING FlexiBonus Account is a non-regulated savings account. This means that you pay 30% withholding tax on all interest. This withholding tax is deducted from all interest payments.

After each bonus period, your base and bonus interest is paid directly into your account. This takes place after 3 months for an ING FlexiBonus Account 3 or after 6 months for an ING FlexiBonus Account 6.

How is the interest calculated? The base rate is calculated on the day you deposit money and is subject to change. The bonus interest will not change during the entire bonus period. It is based on the balance of the account for 3 or 6 consecutive months.

This account is subject to Belgian law.
What if ING were to go bankrupt? The deposit guarantee scheme protects your savings up to 100,000 euros. It does not cover anything above that amount, which could potentially be lost or be subject to a reduction or conversion into shares (bail-in).
Note: The deposit guarantee scheme applies to private individuals, associations and small and midsized enterprises.

This account has clear and simple terms and conditions. This page contains all the info you need to know. However, before you open it, we recommend that you read these useful documents to learn all the details.

Contact ING Complaint Management, Cours Saint-Michel / Sint-Michielswarande 60, 1040 Brussels. Call +32 2 547 61 02 or send an e-mail to complaints@ing.be.

If you have already contacted ING, you can also contact the ombudsman for banking disputes: Ombudsfin, 0.01. Call +32 2 545 77 70 or send an e-mail to ombudsman@ombudsfin.be.

These charges apply on an annual basis and are subject to change at any time. The current percentages are available at all times on this site and at your ING branch. If the charges change, we will inform the account holder via their account statements.​