ING Tempo Savings
Save money with no fees to pay
Want to save money? It’s easy! Especially with ING Tempo Savings. With this savings account you benefit from the convenience of an automatic savings account.
Your money is always accessible
You can withdraw your money at any time, with no restrictions.
All you need to do is create a standing order for a maximum of 500 euros per month.
Free of charge
You have nothing to pay to open and run this savings account that you manage online.
This online savings account is an open-ended, regulated account that offers a higher fidelity premium.
It’s perfect to save money you can do without for over a year. All you need to do is set up an automatic savings standing order for a maximum of 500 euros per month, and you can save without even thinking about it! ING Tempo Savings offers a basic rate of 0.01% and a fidelity premium of 0.85%
These interest rates are expressed on an annual basis and may be adjusted at any time. You can find the current rates online and in all ING branches. If the rate changes, we inform account holders via their account statements. You can view your account balance easily on your bank statements, in Home'Bank and via the smartphone and tablet apps.
Anyone aged 18 or over who has a valid e-mail address and an address in Belgium may open this savings account:
Your account will be open within two working days. You can therefore begin to save money very quickly.
Do you hold this savings account and wish to close it? Here is how to close a savings account online.
You can save for one month, one year, 10 years or as long as you wish... 0 euros, 10 euros, 100 euros, and so on. It’s up to you, as long as you do not exceed 500 euros per month.
This regulated savings account is subject to Belgian law, which does not allow a negative interest rate to be charged to this account. ING will therefore not do this.
What would happen if ING went bankrupt? Your savings are protected up to 100,000 euros by the deposit guarantee scheme (PDF). The remainder is not covered. The capital of the amount of receivables held at the financial institution may be lost or reduced/converted to shares (bail-in). For more information please read essential information for savers (PDF).
You may also access your money at any time if you need it. You can transfer it to your current account – it's that simple!
You pay no tax
If the interest you earn on your ING Tempo Savings account is lower than 1,880 euros, then you will not pay withholding tax of 15%. Are you married or legally cohabiting? If so, your joint ING Tempo Savings account is exempt from withholding tax up to 3,760 euros per couple (2017 income year).
We automatically pay your interest into your savings account
Basic interest is paid annually on 1 January. The fidelity premium is obtained after 12 consecutive months. This interest is paid every 3 months on set dates: 1 January, 1 April, 1 July and 1 October.
This is a straightforward savings account that you manage online. This page contains all necessary information. However, before opening an account, we advise you to read these useful documents so you are aware of all the details.
Everything you need to know about this savings account ING Tempo Savings
This free of charge account managed online is an open-ended, regulated savings account subject to Belgian law. It is designed for ING customers over the age of 18 with a legal address in Belgium and a valid e-mail address. There is no minimum amount to be paid into your account when you open it. Likewise, you are free to pay the right amount for you into your account, providing you transfer a maximum of 500 euros via a monthly standing order.
The basic rate is 0.01% and the fidelity premium is 0.85%. Interest rates are expressed on an annual basis and may be adjusted at any time. You will find the current rates online and at all ING branches. If the rate varies, we will inform account holders via their bank statements. You can view your account balance easily on your bank statements, in Home'Bank and via the smartphone and tablet apps.
If the interest you earn does not exceed 1,880 euros, you will not pay any withholding tax. If the interest you earn does exceed 1,880 euros, you will pay withholding tax at a rate of 15% (per taxpayer for te 2018 tax year, based on income from 2017).
What happens if a financial institution goes bankrupt?
Of your savings, the first 100,000 euros are protected by the deposit guarantee scheme (PDF). Above this protected amount, the guarantee no longer applies. The capital of the amount of receivables held at the financial institution may be lost or reduced/converted to shares (bail-in). For more information please read essential information for savers (PDF).
Not completely satisfied?
Contact ING Complaint Management by telephone on +32 2 547 61 02 or by e-mail to firstname.lastname@example.org.
Have you already contacted ING? You can now contact Ombudsfin, the financial dispute ombudsman, by telephone on +32 2 545 77 70 or by e-mail to email@example.com.
This account makes saving really easy. However, before you open this account, we advise you to read the following documents:
These documents are always available free of charge on our website and in all ING branches.
ING Belgium SA/NV, a company under Belgian law – Registered office: avenue Marnix/Marnixlaan 24, 1000 Brussels – Belgium