Charges valid as per 1 January 2020

Charges applied to the main

banking operations carried out
by legal entities
Charges valid as per 1 January 2020

1
 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

Definitions
• SEPA Zone: Andorra, Austria, Belgium, Bulgaria, Czech Republic, Croatia, Cyprus,
Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy,
Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Norway, Pays-Bas, Poland,
Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden, Switzerland, United
This brochure lists an overview of the charges relating to: Kingdom and San Marino.
1 Current accounts in Belgium 6 • European Economic Area (EEA): Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech
Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland,
2 Cards 7
Italy, Latvia, Liechtenstein., Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland,
3 Sending money, making payments and collections 8 Portugal, Romania, Slovak Republic, Slovenia, Spain, Sweden, United Kingdom.
4 Bancontact and Terminals 12 • EEA Currency: Euro (EUR), British Pound Sterling (GBP), Bulgarian Leva (BGN), Croatia
Kuna (HRK), Czech Koruny (CZK), Danish Kroner (DKK), Hungarian Forint (HUF), Icelandic
5 Receiving money online 14 Kronur (ISK), Norwegian Kroner (NOK), Polish Zloty (PLN), Romanian Lei (RON), Swedish
6 Electronic Banking Services 14 Kroner (SEK), Swiss Franc (CHF).
7 Mail 15 • IBAN: the International Bank Account Number (IBAN) is an international standard
for bank account numbers to be use for sending money in euro (SEPA) and,
8 Specific reporting products 15 when appropriate, international trasfers. An IBAN consists of a maximum of 34
9 Other charges 16 alphanumerical characters and a set length per country. It includes a country code (2
letters), a check digit (2 digits) and a domestic account number (completed for some
10 Foreign exchange operations 16 countries).
11 Guarantees 16 • BIC: Bank Identifier Code. This is an international code, also known as a SWIFT code,
12 Expedition costs 18 which uniquely identifies each bank. It contains 8 or 11 alphanumerical characters
and consists of a bank code (4 characters), a country code (2 letters), a place code (2
13 Safe-deposit boxes 18 characters), and, for some banks, a branch code (3 characters).
14 Wealth Analysis & Planning 19 • BEN/SHA/OUR Cost Instruction:
- Shared Cost (SHA – coûts partagés): the payer pays the fees charged by the payer’s
bank; the fees charged by the beneficiary’s bank are borne by the beneficiary;
- Our Cost (OUR – borne by the payer): the payer pays the fees charged by the payer’s
bank and those charged by the beneficiary’s bank;
- Beneficiary Cost (BEN – fees borne by the beneficiary): the payer does not pay any fee.
Both the fees charged by the payer’s banks and those charged by the beneficiary’s
bank are borne by the beneficiary.
• Straight Through Processing (STP) :
Our charges are expressed in euros (plus 21% V.A.T. unless indicated - for sending money in euros (SEPA): an electronic transfer indicating the correct payer
otherwise). Amounts followed by an * are not liable to V.A.T. and beneficiary account numbers (IBAN), the BIC (SWIFT code) for the beneficiary’s
V.A.T. is calculated at the current rate (at present 21%) on total bank and the beneficiary’s name. Indicating the BIC is optional but is recommended for
commissions and costs, unless ancillary to a credit operation, in transfers to a bank located outside the EEA.
which case no V.A.T. will be payable. Forward exchange operations - for international transfers: an electronic transfer indicating the correct payer and
are not liable to V.A.T. beneficiary account numbers (IBAN), the BIC (SWIFT code) of the beneficiary’s bank and
the beneficiary’s name and address.

1
BIC only required for transactions where the beneficiary’s or payee’s account is held outside the European Economic Area.

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 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

• Full Amount Principle: the full amount must be transferred to the beneficiary’s account. • International transfers: have the following characteristics:
Any applicable charges are debited by the bank separately. This principle applies to - Multiple countries require the use of an IBAN
sending money in euros (SEPA) and transfers in other European member state currencies - If the transfer is made between two countries in which PSD II is applicable, cost
executed within the European Economic Area (EEA). instruction for shared SHA (no matter the currency involved) and the “full amount”
• PSD II: Payment Services Directive II : (second) directive on payment services. This principle (if an EEA currency is being used) will be applied.
directive –which, along with others, has been replicated in Belgian financial law – applies - For all other international transfers, fee instructions (SHA, BEN or OUR) can be selected.
to payments made in any currency: • Transfer execution deadlines: ING requires time to process payments and transmit
- between two accounts held by entities providing payment services (for example, banks) payment instructions; ING transmits payments to clearing houses (e.g. EBA) or to our
established within the European Economic Area (EEA) correspondent banks. Correspondent banks are banks abroad with which ING works to
- between the account of an entity providing payment services established within the execute payments. Such foreign banks ensure that payments arrive at the beneficiary’s
EEA and the account of an entity providing payment services established outside the bank via clearing houses. The total time this requires is called the payment execution
EEA (with some exceptions). deadline. ING can only guarantee up to the clearing house or correspondent bank. The
• Value Date: the value date is the date on which a withdrawn amount ceases to execution deadline depends on various parameters: the execution option chosen, the
produce interest or that date on which a transferred amount begins to produce currency of the transaction, any currency conversion and the country of destination.
interest. • Standard payments: Sending money without special conditions, available for all
• SEPA Payment: SEPA indicates the Single Euro Payments Area and addresses all payments currencies, when the funds arrive at the correspondent bank within a maximum of four
in euro for which the payer’s account and the beneficiary’s account are both held in a bank business days.
country within the SEPA Zone. The payment has the following characteristics: • Urgent payments: Sending money with accelerated execution, available for all
- The account is in IBAN format currencies. For international payments, funds arrive at the correspond bank within 1 to 2
- Fee instruction is for shared fees (SHA) bank working days.
- The “full amount” principle is applied • Same Day Payments: Such payment available for all currencies. Funds are presented to
- Indicating the BIC is optional but is recommended for transfers to a bank located the correspondent bank on the first available value date. ING will apply a compensated
outside the EEA. value date. This means that the debit value date will correspond to the date on which
• SEPA Transactions: the correspondent bank is credited. Same Day Payments are for international payments
- Sending money in euros (SEPA) are transfers that have the following characteristics: only and not for paper payments.
• the funds are deposited into the beneficiary’s account the same day. • Prio Payment: High priority payments. This option is only available for international
• if the transaction is executed after 2.30 p.m., the funds are deposited into the payments in euro and only possible for payments in euro without currency conversion,
beneficiary’s account, at the latest, the next bank working day. with a compensated credit and debit value date. The funds are credited within the hour
- Sending money in euros instantly (SEPA), or instant payments are transfers that have to the correspondent bank. Prio payments are not applicable to paper payments.
the following characteristics:
• available for transfers made to other participating banks in Belgium.
• the transfer is executed within a maximum of five seconds.
- Standing order in euro (SEPA): an automatically recurring transfer (a transfer that
occurs regularly, upon a customer’s instruction, for a set amount, from a customer’s
account to another account).
- Direct debit in euro (SEPA): an agreement between two parties (= a direct debit
mandate) which allows the beneficiary of the claim (= creditor) to initiate the debit of
the payer’s account (= debtor).

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 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

1. Current accounts in Belgium 2. Cards

1.1 ING Corporate Plus Account EUR 2.1 Provision of cards EUR
• Account servicing, annual fee per account 50.00* • Provision of an additional ING debit card (not included in the annual 8.27
• Flat annual fee per account including: 73.50 account fee)
- 12 manual debit transactions free (see details below) • Provision of an ING Business MasterCard credit card 22.00*
- An unlimited number of electronic transactions • Replacement of a defective ING debit card, ING prepaid card or 8.26
- Unlimited access to Self’Bank, Business’Bank ING credit card
- One debit card with access to ING Self'Banks and the payment and • Replacement of a defective ING debit card, ING prepaid card or ING credit card Free of charge
cash withdrawal service in Belgium (withdrawals only from ING • Additional prepaid card1 10.00
dispensers) and in Europe • Provision of an ING temporary debit card for use until the definitive card is Free of charge
- Designation of two account management agents received
• The following manual transactions are part of the flat charge of • By regular post in the following countries: Andorra, Australia, Austria, Free of charge
"12 free manual transactions" and will only be charged per item Belgium, Canada, Cyprus, Denmark, Finland, France, Germany, Gibraltar,
once the ceiling has been reached: Great Britain, Greece, Ireland, Italy, Liechtenstein, Luxembourg, Malta,
• Payment by cheque 0.83 Monaco, Netherlands, New Zealand, Norway, Portugal, Spain, Sweden,
• Cash withdrawal in euro by debit card at a non-ING Belgium ATM in the Switzerland, United States of America.
0.83
SEPA zone • If the card is sent to an address other than the customer’s legal address Free of charge
• Cash withdrawal in euro at counter in the SEPA zone1: or contact address or if the card is sent to a different country than those
- In an ING Belgium branch without ING Self’Bank Free of charge listed above, the fee charged is for registered mail:
- Providing a debit card via registered mail within the SEPA zone 20.60
- In an ING Belgium branch with ING Self’Bank 0.83
- Providing a credit* card via registered mail within the SEPA zone 25.00*
- In another bank’s branch 0.83 - Providing a debit card via registered mail outside the SEPA zone 41.32
• Sending money in euros (SEPA) partially via pink form pre-printed 0.83 - Providing a credit* card via registered mail outside the SEPA zone 50.00*
• Sending money in euros (SEPA) at counter1 0.83
• Charge for designating additional account management agents: 2.2 Use of cards % of the amount EUR
- for 1 or 2 additional agents 45.00
• For all transactions
- for 3 or more additional agents 100.00 • By ING debit card
• International account service for non-residents (per month/per account)2 100.00 - Exchange margin for transactions in another 1.90
currency2
1.2 Interest rates EUR • By ING Business MasterCard credit card
- Exchange margin for transactions in another 2.00*
• Debit (unauthorised) 19.20% currency3

1
See also point 3.10.
2
Maestro exchange rate: the Mastercard exchange rate on the date of receipt will apply. The Mastercard exchange rate can be
1
Manual transfers processed by an ING member of staff (charged from the first transaction): + 8 euros (see also point 3.1 Sending consulted at ing.be/cartedevise.
money in euros (SEPA)). 3
MasterCard exchange rate: the exchange rate of the European Central Bank on the date of receipt of the transaction for the following
2
International account service enabling companies, through a single request, to open, manage and close an account in another currencies: AUD, CAD, CHF, CZK, DKK, GBP, HUF, JPY, LTL, NOK, NZD, PLN, RUB, SEK, TRY, USD and ZAR. For other currencies, MasterCard
country of the ING international network, even if such company is not set up in the country where the account is opened. exchange rates apply. European Central Bank exchange rates may be consulted at ing.be/cartedevise.
* VAT not due * VAT not due.

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 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

• Cash withdrawals from ATMs 3.4 International transfers

• By ING debit card linked to a ING Corporate Plus Account1
- Cash withdrawal in euros from an ING Self’Bank or ING Free of charge The cost of an international transfer is made up of the following:
Belgium ATM 1. An ING commission payment
- Cash withdrawal in euros from a non-ING Belgium ATM in the 0.83 2. Various ING fees
SEPA zone 3. ING currency conversion fees (as applicable)
- Cash withdrawal in other currency or outside the SEPA zone 0.25 3.50 4. Fees applied by correspondent banks.
• By ING Business MasterCard credit card 1.00* 6.00* How the ING payment commission and correspondent bank fees are applied depends
• Cash withdrawals from bank ATMs on the fee instruction given (BEN, SHA or OUR):
• By ING Business MasterCard credit card 1.00* 8.00* Instruction1 Outgoing international transfer Incoming international transfer
• Payment in store SHA Commission payment and ING fees Commission payment and ING fees
• By ING debit card OUR Commission payment and ING fees + No fees for ING customer
- Payment in euros within the SEPA zone4 Free of charge correspondent bank fees
- Payment in an other currency outside the SEPA zone 0.50 BEN No fees for ING customer. ING Commission payment and ING fees.
• By ING Business MasterCard credit card Free of charge automatically deducts the ING Correspondent bank fees will have
commission payment from the amount already been deducted from the
3. Sending money, making payments and collections transferred. incoming amount.
1. Payment Commission
3.1 Sending money in euros (SEPA) EUR
Payment commission is applied to all transfers executed to or from an ING Belgium account.
• Sending money in euros to and from an account held in the SEPA zone, The amount varies according to the originating or destination country, and the currency.
0
including Belgium
Transfer in From EUR EUR
• Manual transfers carried out by an ING member of staff2 8.00
• Euro (EUR) Euros (EUR) An account outside the SEPA Min 10.00
• Intra-company transfers (INTC) 5.00 zone: 0.1% of amount Max 100.00
• Treasury transfers (TREA) 10.00 • Couronne Suédoise (SEK), - Another ING Belgium account (internal
Romanian Leu (RON) transfer) 0
3.2 Instant credit transfer in euros (SEPA) EUR - An account within the EEA 0
- Rest of the World: 0.1% of amount Min 10.00
• Instant credit transfer in euros (SEPA) via Business’Bank or Telelink online 5.00
Max 100.00
3.3 Direct debits in euro (SEPA) EUR • Other currency - An ING Belgium account (internal transfer) 0
- A Belgian account with a corresponding 8.00
• Debtor value less than EUR 50,000
- Direct debit in euro (SEPA) 0 - A Belgian account with a corresponding 9.00
- Unjustified request for refund 60.00 value greater than EUR 50,000
- Request for a copy of a direct debit mandate 30.00 - Rest of the world: 0.1% of amount Min 10.00
• Creditor Max 100.00
- SEPA European direct debit 2. Various EUR fees EUR
- Core scheme 0.05 (with a min.of Various fees may apply in certain specific cases:
2.48 euros per batch)
- Manual processing (coding or paper transfer) 8.00
- B2B scheme 0.07 (with a min.of - Urgent payments 5.00
2.48 euros per batch)
- Same Day Payments 10.00
- Refund requested of an unauthorised transaction (not justifiable by - Prio Payment 15.00
the creditor) 60.00 - non-STP transfer (see section 8. Definition) 8.00
- Confirmation of mandate activation 0 - Communication to the bank placing the order 5.00
1
These withdrawals are counted towards the 12 free annual transactions for the ING Corporate Plus Account. Withdrawals from an ING
ATM in Belgium are free of charge. 1
For sending money in euros (SEPA) and outgoing international transfers, in any currency, executed within the European Economic
2
Charged from the first operation. Area, only indicating SHA is accepted. If another instruction is given, it will be automatically changed to SHA.

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 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

3. Currency conversion fees 3.6 Cheques EUR

When an international transfer involves buying or selling currency, an exchange rate will • Domestic cheques
be defined and applied at the moment the transaction is executed. ING charges a fee for • Circular cheques:
this operation - the standard margin is 3%1.
- Issue:
4. Correspondent bank fees for outgoing transfers with OUR instruction - Per cheque (submitted by electronic means) 2.07
- Aruba, Bonaire, Curaçao, Morocco, Saba, Saint-Eustache, Saint-Martin , 1 - Per cheque (other) 4.96
9,00 - Issue of bank cheques, per cheque 9.92
Suriname, USA
- Australia, Bosnia-Herzegovina, Canada, China, Egypt, Hong Kong, Jordan, • Remittance for collection of domestic cheques, per cheque 1.65
Lebanon, Malaysia, Mauritius, Namibia, New Zealand, Peru, Philippines, Russia, 15,00 • International cheques
Serbia, Ukraine, Vietnam, Yemen • Cheques drawn on an ING account in Belgium, issued abroad:
- Albania, Angola, Belarus, Botswana, Brazil, Burundi, Guernsey, India, Indonesia, - Payment commission: 0.1% of the amount min. 10.00 and
Isle of Man, Israel, Ivory Coast, Jamaica, Jersey, Macedonia, Montenegro, max. 100.00
Mozambique, Oman, Pakistan, Reunion, Singapore, South Africa, South Korea, 25,00 - Processing commission, per cheque 11.57
Sri Lanka, Taiwan, Tanzania, Thailand, Tunisia, Turkey, United Arab Emirates, • Cheque issued by the bank for use abroad:
Uruguay
- Issue charges 9.92
- Afghanistan, Algeria, Anguilla, Argentina, Armenia, Bahamas, Bahrain, - Expedition charges 5.40
Barbados, Bermuda, Brunei, Cameroon, Cayman Islands, Chad, Chili, Ecuador, • Cheques drawn on an account outside Belgium and deposited on an
Gabon, Ghana, Guinea, Japan, Kazakhstan, Kenya, Kuwait, Macao, Madagascar, ING account in Belgium
50,00
Maldives, Moldavia, Nepal, New Caledonia, Nigeria, Paraguay, Puerto Rico,
- Payment commission: 0.1% of the amount min. 10.00 and
Qatar, Saint-Kitts and Nevis, Saudi Arabia, Senegal, Swaziland, Trinidad and
max. 100.00
Tobago, Turks and Caicos Islands, Uganda, Zambia and the rest of the world3
- Processing commission, per cheque 8.00
- Expedition charges 5.40
3.5 Other services subject to a specific charge EUR - Correspondent costs1 min. 5.00

• Return of funds4 15.00 • Miscellaneous charges for domestic and international cheques
• Cancellation, amendment, investigation expedition charges, SWIFT: • Reorder of ING cheques:
max. 1h5, payment certificate - Per 100 cheques 75.00
- Operations of the last 12 months 25.00 • Cheque stop payment 41.32
- Older operations 75.00 • Copy of a cheque 24.79
• Lack of account funding 6.00 • Expedition charges 5.40
• Copy of various documents 15.00
3.7 Registry fee payment forms EUR
• Order of registry fee payment forms (per 25)
- Base rate: 37.25
- ING Privalis fee 9.00

3.8 Deposits EUR

• Complex deposits2 6.00
• Remittance3 of euro coins at the counter 3.305/bag
1
More information on exchange rates is available in section 3.11 Foreign currency conversion and exchange transactions.
2
The Dutch part.
3
It is not possible to send money to the following countries: Syria, Iran, Cuba, North Korea and North Sudan. 1
The charges vary per correspondent and per country
4
Applicable to both resident and non-resident accounts. 2
Repeated deposits requiring time-consuming processing, which may result in long queues at the branch.
5
(Variable) foreign correspondent bank fees not included. 3
Only possible with an appropriate bag provided by ING, maximum 10 kg/bag.

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 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

3.9 Currency deposits and withdrawals EUR 4.2 Terminals EUR

• Rate: the rate applied is based on the quotations in force on the • Purchase
international exchange market. Exchange rates are available in - Mobile Terminal: Yoximo
Home'Bank and Self’Bank. 3G single charge 659.00
• Margin:
Maintenance monthly 15.34
- on the average rate of the following currencies: USD, GBP, CHF, SEK,
3% - Fixed Terminal: Yomani
NOK, DKK, CAD, JPY, AUD
- on the transfer rate for other currencies 3% With printer single charge 559.00
Maintenance monthly 12.24
3.10 Self’Bank Deposit Service EUR • Renting
• Flat annual charge (unlimited number of deposits) 90.00 - Mobile Terminal: Yoximo
• By means of an ING deposit card 10.00 - Smart Package (50 transactions included) monthly 49.90
Additional transactions per transaction 0.344
3.11 Foreign currency conversion and exchange transactions - Comfort Package (100 transactions included) monthly 60.90
The standard margin on foreign currency conversions and exchange transactions is 3%. Additional transactions per transaction 0.204
The rates used to convert currencies on the occasion of sending money or foreign - Premium Package (200 transactions included) monthly 73.90
exchange transactions are based on the quotations in force on the international market. Additional transactions per transaction 0.164
Rates are available via Home'Bank/Business'Bank, Self'Bank and on request from branches. Express maintenance monthly 13.20
Service within 24 hours
3.12 Bills of exchange3 EUR - Fixed Terminal: Yomani
- Smart Package (50 transactions included) monthly 30.90
• Commissions on clean bills of exchange
Additional transactions per transaction 0.344
- Collection commission:
- per remittance 30.00 - Comfort Package (100 transactions included) monthly 50.90
- per bill 30.00 Additional transactions per transaction 0.204
Value date 3 bank working days after due date, min. 10 bank working - Premium Package (200 transactions included) monthly 63.90
days after receipt Additional transactions per transaction 0.164
• Other bill of exchange commissions Express maintenance monthly 13.20
- Copy of bill 25.00 (+ postage) Service within 24 hours
- Payment/non-payment certificate 25.00 (+ postage)
4.3 Other EUR
4. Bancontact & Terminals
(more about Bancontact & Terminals services on ing.be/merchantservices) • Installation
- ‘Plug & play’ installation by customer per unit 0
4.1 Bancontact EUR
- Installation by a technician per unit 79.00
• Transactions > 25 euros - 3G SIM cards monthly 6.86
Monthly cost per terminal • International debit cards % of the amount
- Smart Bancontact - no monthly minimum per transaction 0.344 Maestro per transaction 0.50%
- Comfort Bancontact - minimum of 100 transactions V-Pay per transaction 0.50%
per transaction 0.204
invoiced/month • Credit cards % of the amount
- Premium Bancontact - minimum of 200 transactions MasterCard per transaction 1.05%
per transaction 0.164
invoiced/month
Visa per transaction 0.95%
• Transactions </= 25 euros per transaction 0.025* + 0.50%

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 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

5. Receiving money online1 6.3 Business’Bank EUR

% of the • Access and use, per annum 0
EUR
amount
• Privalis option 0
Set up fee 0.00
• Premium option, per annum 50.00
Activation fee 0.00
• ING Card Reader 01
Monthly fee 12.00
Bancontact 1.50 % 0.152 • ING Connectable Card Reader 35.002
Maestro/V-Pay 1.50 % 0.152 • Home’Bank Offline module, per annum 60.00
Visa/MasterCard 1.90 % 0.152 • Sending money in euros instantly (SEPA) 5.00
iDeal 0.49
Bank transfer 0.00 6.4 InsideBusiness EUR
Repayment 0.25
Chargeback 27.50 • InsideBusiness Payments
Paypal 0.00 - Subscription 7,50 per month,
per module

6. Electronic Banking Services - User subscription 7,00 per month,

per user
Isabel 6 - For these charges please refer to the Isabel SA/nv website (www.isabel.eu)
• InsideBusiness Connect, EBICS Global, SWIFTtNet
6.1 Telelink@Isabel - Subscription 240,00 per month,
per structure
The basic Telelink@Isabel subscription is included in the Isabel subscription, it covers - Set-up 5.000,00 one off,
per structure
• Access to the system
- Add customer to current contract of e Service Bureau 350,00 per
• The Telelink@Isabel software, consisting of the following modules:
occurrence
- Telelink Online
7. Mail
- Telelink 6
• Telephone assistance (Electronic Banking Support Help Desk: 02 738 20 01) EUR

6.1.1 Telelink Online EUR • Account statements, per annum

- Available at the branch: at the counter or in the letter box of the
• Making payments and sending money branch3
- Management of memo transfers, direct debits, standing orders 0 - Non-residents, annual flat charge 50.00*
- Sending money in euros instantly (SEPA) 5.00 - Printing via Self’Bank 0
• Trade information - Dispatch to home address by post 5.00* (+ postage)
- Balance sheet summaries 3.70 • Renting of a letter box3
- Disputes 1.90 - Non-residents, annual flat charge 50.00*
• Account statement copies 24.794
6.2 Home’Bank EUR
• Access and use, per annum 0
• ING Card Reader 03
• ING Connectable Card Reader 35.004
• Home’Bank Offline Module , per annum 60.00
1
You can receive up to 2 free ING Card Readers a year. Each extra ING Card Reader will cost you 20.66 euros.
1
Go to ing.be/epay for more information on ING’s online payment system. 2
An ING Connectible Card Reader costs 35 euros. The first ING Connectible Card Reader is free of charge if you chose the Business’Bank
2
This fixed amount is in addition to the percentage of the transaction amount. Premium option.
3
You can receive up to 2 free ING Card Readers a year. Each extra ING Card Reader will cost you 20.66 euros. 3
Only from branches for non-residents.
4
An ING Connectible Card Reader costs 35 euros. The first ING Connectible Card Reader is free of charge if you chose the Business’Bank 4
Price for a 12-month period commenced.
Premium option. * VAT not due.
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 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

8. Specific reporting products 11. Guarantees1

EUR 11.1 General principles
• (Standard1 and specific) Coda / XML (CAMT), per account, a month 8.00 • Commissions to cover the credit risk taken by ING depend on the importance of the risk.
• Paper print-outs, per print-out 10.00 • Periodical commissions are charged upfront, each period commenced is owed in full.
• Where appropriate, the correspondent banker, transmission and expedition costs are
• MT940s sent to another bank per account, per quarter and per other bank 125.00
charged in addition.
• MT942s sent to another bank per account, per quarter and per other bank 250.00
% of the
11.2 Guarantees instructed by an ING customer EUR
amount
9. Other charges
Guarantees issued by order of an ING customer
EUR for the purpose of a credit facility
• Guarantee commission, per quarter min. 0.5 min. 50.00
• Certificates can be applied for via "My Documents" in Business'Bank and
• File opening fee 75.00
Telelink Online (except for "certified accountant and corporate auditor 0
certificates") • Administrative fees for a modification, extension or
release before maturity 75.00
• Accountant and corporate auditor statement electronic paper
• Fee for calling on the guarantee 150.00
(depending on complexity of bank relationship): version version
- Simple (the customer has only accounts) 100.00 125.00 Guarantees issued by order of an ING customer for the
purpose of an individual transaction
- Complex (when a customised statement must be compiled) 125.00 175.00
• Settlement and distribution statements 25.00 • Guarantee commission, per quarter min. 0.5 min. 50.00
• Capital increase certificate 75.00 • File opening fee 150.00
• Administrative fees for a modification, extension or
• Other statements max. 150.00 150.00
release before maturity
• Administrative fees for a standard Escrow Account contract 1,500.00 upon • Fee for calling on the guarantee 225.00
(3 existing versions) opening
• Administrative fees for a “made to measure” Escrow Account contract 150.00 per hour % of the
11.3 Guarantees in favour of an ING customer EUR
worked by an ING amount
member of staff
Advising of a guarantee issued by a foreign bank
10. Forward exchange transactions (without guarantee or liability on the part of ING), if
stipulated that the costs are borne by the beneficiary
% of the • Advising charges 75.00
EUR
amount
• Amendment charges 50.00
• When concluding the contract
• Verification charges 65.00
- Forward exchange commission 0.1* min. 12.50*
• Utilisation commission 0.125 min. 35.00
max. 75.00*
on the amount per set of
• When the contract is extended of the remittance documents
- Forward exchange commission 0.1* min. 12.50* • Payment commission 0.1 min. 10.00
max. 75.00* max. 100.00
• Fixed fee per contract and possible extension + 37.50*
11.4 Miscellaneous
• Urgent applications (to be executed within 24h): double charges
• Customised applications: specific charges, for more information, please ask your usual
ING contact.
• Promissory note: same charge as for guarantees
• Charge for analysing a text: to be defined on a case-to-case basis

1
The standard CODA / XML (CAMT) files you receive in Business’Bank are included in the Premium option. Expedition charges to be added, see point 11.
1

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 Charges valid as per 1 January 2020 Charges valid as per 1 January 2020

12. Expedition charges1 14. Wealth Analysis & Planning

EUR 14.1 Civil partnership EUR
• Extra SWIFT 7.50
Formation & conversion
• Ordinary mail
• Based on ING standard articles of association 500.00 per operation
- Europe 2.00 • Tailored product 750.00 per operation
- Outside Europe 2.50
Gestion
• Registered mail without documents 6.00
• Based on ING standard articles of association 300.00 per annum
• Registered mail with documents • Tailored articles of association 750.00 per annum
- Belgium 8.00
- Europe 12.00
14.2 Gift EUR
- Outside Europe 18.75
• Message service Simple gift 200.00 per operation
- Belgium 12.50 • Outside financial planning/no under 18s/no non-residents/
- Europe 25.00 If 2 donors only spouses or cohabitees
- Outside Europe 37.50 • One or combination of following clauses
• Fax message 6.00 - Conventional return clause
- Advance on inheritance
- Annuity
13. Safe-deposit boxes
- Intervention of non-donor spouse
- Revocation of gift annuity
EUR
Complex gift (anything not simple) 300.00 per operation
Safe-deposit box rent consists of a flat amount (41.32 euros) and an
amount per dm³ (1,65 euro/dm³) (including VAT). The total amount is
capped at 423.22 euros (including VAT). 14.3 Financial Plan EUR
Examples: annual rental cost: 1,500.00 per plan
- Safe of 11 cm H, 31 cm W, 50 cm D (17 dm3) 69.42
14.4 Succession calculation with scenario simulations EUR
- Safe of 20 cm H, 30 cm W, 50 cm D (30 dm3) 90.91
- Safe of 30 cm H, 30 cm W, 50 cm D (45 dm3) 115.70 200.00 per calculation
- Safe of 20 cm H, 60 cm W, 50 cm D (60 dm3) 140.50
14.5 Legal/Tax query EUR
Other services
- Contents insurance: included in the rent 0 (handling time max 3 hours) 300.00 per query
- Breaking of a safe following the loss of the key, as from 250.00 14.6 Advice from external advisors/civil-law notary/lawyer EUR
- Finding the secret code, as from 125.00
- Administrative charges for breaking a safe or finding the secret code 50.00 (max 3 hours) 300.00 per service

- Call-put of a technician to no avail (customer absent) to break a safe- 14.7 Acting as third party pledgee in context of a gift including EUR
100.00
deposit box or find a PIN number. drafting of deed of pledge
350.00 per operation

1
Unless specified otherwise in the above items.

18 19
Other lists of charges and brochures are available:
• Charges applied to the main banking operations of private individuals
• Charges applied to the main securities transactions
• Charges applied to documentary credits, documentary collections as well as
international bills of exchange and guarantees
• Fee Information Document - ING Green Account
• Fee Information Document - ING Green Account 18 - 25 year olds (no longer
marketed since 01/01/2016)
• Fee Information Document - ING Lion Account (PDF)
• Fee Information Document - ING go to 18 Account (PDF)
• Fee Information Document - ING basic bank service account (PDF)
• Consumer Credit Rates

These charges are not binding

1. As dealings between the Bank and its customers are based on mutual
trust, ING always reserves the right not to commit itself.
2. ING reserves the right to modify its charges in compliance with the legal
and statutory provisions in force. In the event of any change to these
charges, a new brochure will be published. All our leaflets are dated.
Please check at your branch that you have the most recent leaflet.
3. The charges listed in the leaflets are basic charges. They may be
derogated from by a special agreement concluded between ING and you
in the case of major transactions or in the event of special situations.
Supplementary and/or personalised information - in particular on credit -
is available from any branch.

For any additional information or complaints, please contact your branch or ING's Complaint
Management service. Address: ING Complaint Management – Cours Saint-Michel 60, B-1040 Brussels –
E-mail address: complaints@ing.be – Phone: 02 547 61 02 – Fax: 02 547 83 20.
ING Belgium S.A./nv • Bank/Lender • Avenue Marnix 24, B-1000 Brussels • Brussels RPM/RPR • VAT BE 0403.200.393
• BIC: BBRUBEBB • IBAN: BE45 3109 1560 2789. Insurance broker registered with the FSMA under the n° 12381A •
www.ing.be • Publisher: Philippe Wallez • Cours Saint-Michel 60, B-1040 Brussels • Z45074E • 04/19