ING BELGIUM

ING Belgium SA/NV is the Belgian banking subsidiary of ING Group N.V. (Netherlands), offering retail, private, business, and corporate banking under Belgian and EU regulation. It is supervised by the National Bank of Belgium and the Financial Services and Markets Authority, and classified as a significant institution under the ECB’s Single Supervisory Mechanism. Consumer products include current accounts, regulated savings accounts governed by Belgian rules (base rate and loyalty bonus set by the bank within legal parameters), and term deposits, alongside debit cards (Debit Mastercard with Bancontact functionality) and credit cards. Payments cover SEPA transfers, instant payments, and international transfers using IBANs starting with BE and the bank’s BIC/SWIFT code BBRUBEBB; major mobile wallets such as Apple Pay and Google Pay are supported. Lending spans mortgages, consumer loans, overdrafts, and for businesses, working capital facilities, leasing, and trade-related services. Investment services range from execution-only brokerage to fund distribution, with advisory and discretionary mandates available for higher tiers, while insurance products are distributed as an intermediary for third-party insurers across life and non-life categories. The bank operates a digital-first model via online and mobile banking, with authentication through itsme and card readers, supplemented by a reduced branch network and self-service devices; customer service is available in Dutch, French, and English via phone, chat, and secure messaging. Eligible deposits are covered by Belgium’s deposit guarantee scheme up to €100,000 per depositor per bank. ING Belgium applies Strong Customer Authentication and offers PSD2 APIs; complaints can be escalated to the bank and, if unresolved, to Ombudsfin. Fees, interest rates, and product terms are published in the bank’s tariff schedules and are subject to change.