Savings account

ING Lion Premium

Choose the free of charge, online savings account!

With the ING Lion Premium Savings Account, you enjoy all the benefits of a regulated savings account, 100% online and completely free of charge.

  • Savings managed online

    You can manage your savings account easily on the internet and our apps for smartphone and tablet.

  • Free of charge savings account

    You have no fees to pay for your online savings account.

  • For everybody

    Not yet an ING customer? This savings account which you manage online is for you too.

  • Access to your money at any time

    You can withdraw your money at any time with no restrictions.

Saving? Absolutely! For smart savings, you are advised to keep cash reserves of roughly 6 months' net salary. That way, you will be able to cope with planned and unexpected outgoings.

Opt for an online account like the ING Lion Premium Savings Account. This open-ended regulated online savings account offers a basic rate of 0.01% and a fidelity premium of 0.10% (for savings of less than 500,000 euros). The maximum amount you may deposit is 500,000 euros.

Interest rates are given on an annual basis and may be adjusted at any time. You can find the current rates online and at any ING branch. If the rate changes, we inform the account holders through their account statements. You can easily find the account balance on account statements, or via Home'Bank and the apps for smartphone and tablet.

  • You pay nothing to open and run this savings account

    There is no charge to open and manage this account. Transfers are also free of charge. You can complete transfers yourself online or on your smartphone or tablet.

  • You do not need to visit an ING branch to open this account

    You can open it wherever you choose: at, on your smartphone or on your tablet. Even if you are not yet an ING customer. Anyone over the age of 18 with a valid e-mail address and an address in Belgium can open an ING Lion Premium Savings Account.

  • Are you already an ING customer? In this case, it is quick and easy to open this account in Home'Bank.

This regulated savings account is subject to Belgian law, which does not allow a negative interest rate to be charged to this account. So ING will not do this.

What would happen if ING were to go bankrupt?

Your savings are protected by the deposit guarantee scheme (pdf) up to a limit of 100,000 euros. 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 take a look at the key information for savers (PDF).

You can also access your money at any time if you need it: transfer it to your current account – it's that simple!

Whenever you can, every month or just once a year. 0 euro or 10 euros or even 100 euros at a time. You decide. For 1 month, 1 year, 10 years or for as long as you want. You make the payments yourself online or on your smartphone or tablet.

  • You are not taxed on the interest you receive

    Is the interest on your ING Lion Premium Savings Account less than 960 euros? In this case, you do not pay the 15% withholding tax. Are you married or legally cohabiting? In this case, your ING Lion Premium Savings Account is exempt from withholding tax for up to 3,760 euros per couple (for the 2018 income year).

  • We will pay the interest into your savings account automatically

    Basic interest is paid annually on 1 January. The loyalty bonus is due after 12 consecutive months. This interest is paid every 3 months on fixed dates: 1 January, 1 April, 1 July and 1 October.

    The loyalty bonus is due after 12 consecutive months. This interest is paid every 3 months on fixed dates: 1st January, 1st April, 1st July and 1st October.

    You can easily track your account balance and interest via bank statements, online and our smartphone and tablet apps.

This is a straightforward online savings account. This page contains all the necessary information. However, before you open this account, we recommend that you read these useful documents to be aware of all the details.

Apply for your account

Enter your details via or ING Smart Banking.

Apply online
Confirm your e-mail address

Are you a new ING customer? Send us a copy of your identity card.

Start saving

Set up a standing order to make saving even easier.

Save automatically