ING Self Invest provides self-directed securities investing through the ING Banking app and Home’Bank. The ordinary tariff combines dealing commission with monthly custody per security line and a 1% FX margin when conversion is needed. The separate ETF Invest Plan offers automatic purchases from €1, 0.10% purchase brokerage capped at €1, and no custody fee for the plan’s ETFs.[1][3][2][4]
Accounts and eligibility
Sections ↑Account comparison01
Account structure
| Item | Details |
|---|---|
| Prerequisite | An ING current or cash account linked to the investment account.Source 4 |
| Opening | Self Invest is opened and managed through the online service.Source 4 |
| Authority | An unrestricted mandate is needed for an authorised person to act alone; a limited management mandate does not permit Self Invest transactions.Source 4 |
Account comparison02
Self-directed and complex-product access
| Item | Details |
|---|---|
| Investment decisions | The client chooses investments; Self Invest does not provide personalised investment advice.Source 4 |
| Non-complex instruments | The execution-only service does not assess the client’s financial situation or objectives as an advisory service would.Source 4 |
| Complex instruments | A knowledge and experience assessment applies; insufficient knowledge can prevent access.Source 4 |
Account comparison03
Recurring ETF plan eligibility
| Item | Details |
|---|---|
| Banking relationship | An ING current account or ING Invest Account is required, together with activation of the relevant investment service.Source 2 |
| Starting amount | The product page advertises plans from €1.Source 2 |
| Understanding | The investor must understand the selected ETF’s characteristics and risks.Source 2 |
Products and market access
Sections ↑Specifications04
Self Invest investment menu
| Item | Details |
|---|---|
| Core securities | Selected shares, bonds, ETFs, ETNs and investment funds.Source 1Source 4 |
| Complex securities | Selected structured products, warrants, turbos or sprinters where available and permitted.Source 1Source 4 |
| Fund range | Includes ING funds and selected funds from partner managers; instrument availability is not a promise of unrestricted global access.Source 1Source 4 |
Specifications05
Recurring ETF selection
| Item | Details |
|---|---|
| Categories | The page describes regional, sector, thematic and lifecycle ETFs.Source 2 |
| Selection | Choose from the published eligible-plan list and the ETF Invest Plan filter in the app.Source 2 |
| Multiple plans | Separate plans can have different amounts and frequencies.Source 2 |
Trading and holding costs
Sections ↑Pricing & charges06
Ordinary online brokerage
| Item | Details |
|---|---|
| Brussels, Amsterdam and Paris | 0.35%, minimum €1, for covered digital stock-exchange orders.Source 3 |
| Other exchanges | 0.50%, minimum €1.Source 3 |
| Assisted standard tariff | The corresponding ordinary rates are 1%, minimum €40, and 1.25%, minimum €50; channel and account agreements matter.Source 3 |
Pricing & charges07
Recurring ETF purchase costs
Pricing & charges08
Monthly custody by holding type
| Item | Details |
|---|---|
| Shares, listed funds, ETFs and warrants | 0.0242% per line per month, minimum €0.3025, including VAT.Source 3 |
| Bonds | 0.0121% per line per month, minimum €0.3025, including VAT.Source 3 |
| Exempt holdings | ING-distributed funds, ING-issued securities, qualifying periodic-plan ETFs and subscription/allocation rights as specified in the tariff.Source 3 |
Pricing & charges09
Bonds and unlisted funds
| Item | Details |
|---|---|
| Bond dealing | 0.50%, minimum €50, in the published standard schedule.Source 3 |
| Fund subscription | Ordinary 3% entry fee, with a 20% web/app discount where applicable, producing 2.40%.Source 3 |
| Fund exceptions | Star Fund, Easy Invest, Invest Up and periodic plans have separate rules; fund prospectus costs can still apply.Source 3 |
Pricing & charges10
Transfer and currency charges
| Item | Details |
|---|---|
| Incoming/internal securities transfers | Free, subject to acceptance of the securities.Source 3 |
| Outgoing transfer | €96.80 per security line including VAT, plus possible correspondent charges.Source 3 |
| Self Invest currency conversion | Standard margin of 1%; other ING service tiers have different margins.Source 3 |
Pricing & charges11
Income, documents and optional tax services
| Item | Details |
|---|---|
| Dividends and coupons in custody | The listed collection service is free; correspondent costs may still apply.Source 3 |
| Statements | Electronic access is free; mailed account statements can attract postage.Source 3 |
| Optional tax services | DTT service €5.05 per account per month; retrospective reclaim 6.05%, minimum €60.50 and maximum €302.50, plus correspondents.Source 3 |
Platforms, orders and execution
Sections ↑Process12
App and browser dealing
| Item | Details |
|---|---|
| Mobile | ING Banking app supports discovery, instrument search and portfolio management.Source 1Source 4 |
| Web | Home’Bank provides the investment-account route.Source 1Source 4 |
| Telephone instructions | The investment conditions also allow Self Invest orders through ING Client Services; the tariff may differ from digital dealing.Source 1Source 4 |
Process13
Recurring purchase controls
Process14
Execution venue selection
| Item | Details |
|---|---|
| Equiduct routing | The policy uses Equiduct for eligible instruments and suitable order sizes in specified European markets.Source 5 |
| Fallback | The relevant exchange can be used when the instrument or order size is unsuitable for that route.Source 5 |
| US execution | The policy identifies UBS’s execution arrangements for the listed US markets; venue selection follows the bank’s execution policy.Source 5 |
Process15
Changing and cancelling orders
| Item | Details |
|---|---|
| Unexecuted portion | Cancellation is subject to valid receipt and applicable market rules.Source 4 |
| Time priority | Increasing quantity or changing the limit price loses time priority under the conditions.Source 4 |
| Fund cancellation | No later than 60 minutes before the applicable fund cut-off; a pre-order can be cancelled before its selected order date.Source 4 |
Process16
Cash checks and rejection
| Item | Details |
|---|---|
| Buying power | Available investment cash less pending transactions.Source 4 |
| Insufficient balance | An order can be rejected; the client must transfer sufficient cash to settle an accepted transaction.Source 4 |
| Market events | Exchange rules, corporate actions, legal restrictions or clear mispricing can cause cancellation or reversal under the conditions.Source 4 |
Funding, settlement and transfers
Sections ↑Process17
Moving cash to and from Self Invest
| Item | Details |
|---|---|
| Funding | Transfer money from the linked ING current or cash account.Source 4 |
| Withdrawal destination | The investment account transfers cash back to the linked ING account.Source 4 |
| Reference-account closure | The linked ING account cannot be closed while its investment account remains open.Source 4 |
Process18
Foreign-currency settlement accounts
| Item | Details |
|---|---|
| Arrangement | Contact ING Client Services to open or change Self Invest’s settlement currency.Source 4 |
| Listed currencies | EUR, USD, GBP, JPY, CHF, CAD, NOK, SEK, AUD and NZD.Source 4 |
| Effect | Once the account is established in the chosen currency, its transactions settle in that currency; conversion costs apply where a conversion is needed.Source 4 |
Process19
Settlement and negative balances
| Item | Details |
|---|---|
| Execution versus settlement | The trade date and the date cash/securities are exchanged can differ.Source 4 |
| Conditional credit | Proceeds are credited subject to actual receipt of the settlement countervalue.Source 4 |
| Debit balance | Negative investment cash is not permitted; the bank may debit the linked account to cover specified settlements or costs.Source 4 |
Custody and client protection
Sections ↑Protections & eligibility20
Cash deposit protection
| Item | Details |
|---|---|
| Bank | ING Belgium SA/NV participates in the Belgian scheme.Source 6 |
| Ordinary eligible limit | €100,000 per depositor at the bank, aggregated across eligible deposit accounts.Source 6 |
| Joint account | Each holder’s qualifying share is assessed separately under the scheme rules.Source 6 |
Protections & eligibility21
Securities custody and non-return
| Item | Details |
|---|---|
| Custody records | Securities are recorded for the client and can be held through a central or third-party depositary.Source 4Source 7 |
| Insolvency | Client ownership and return of securities are distinct from an ordinary unsecured bank deposit.Source 4Source 7 |
| Shortfall | Eligible non-return claims can fall within the Belgian €20,000 instrument-protection limit; market losses are outside that protection.Source 4Source 7 |
Protections & eligibility22
Third-party custody risk
| Item | Details |
|---|---|
| Overseas depositary | Local law may provide different protection from Belgian law.Source 4 |
| Shortfall allocation | The conditions describe proportional allocation if insufficient securities remain.Source 4 |
| Security interests | The bank or depositary may have relevant liens or security interests under the applicable arrangements.Source 4 |
Support, complaints and records
Sections ↑Process23
Contact and complaints
| Item | Details |
|---|---|
| Client Services | +32 2 464 60 01, Monday–Friday 08:00–18:00 in the tariff.Source 3 |
| Chat | The contact information advertises chat availability 24/7; that is not a promise of continuous securities execution.Source 3 |
| Complaint | [email protected] or +32 2 547 61 01; the bank also supplies its complaints procedure.Source 3 |
Process24
Order confirmations and statements
| Item | Details |
|---|---|
| Acknowledgement | Shown in Home’Bank or the ING Banking app after placing an order.Source 4 |
| Execution record | The statement includes execution, costs and taxes, no later than the day after execution under the conditions.Source 4 |
| Quarterly portfolio report | Available through Home’Bank, with paper delivery where requested.Source 4 |
Process25
Partial fills and recorded calls
| Item | Details |
|---|---|
| Same-day partial executions | The contract note reports an average price.Source 4 |
| Detailed fills | The client can request the individual execution details in writing.Source 4 |
| Telephone orders | Order calls are recorded; instrument information may be supplied after a telephone trade only under the stated consent arrangements.Source 4 |
Research and additional services
Sections ↑Availability26
Research and service boundaries
| Item | Details |
|---|---|
| Information | Market insights, reports, newsletters and webinars support self-directed decisions.Source 1Source 4 |
| Advice | ING Invest Advice is separate; not every Self Invest holding is transferable into it.Source 1Source 4 |
| Other digital products | Easy Invest and Comfort Invest have different investment and settlement terms.Source 1Source 4 |
Availability27
October 2026 youth share initiative
| Item | Details |
|---|---|
| Announced scope | Up to 10,000 eligible people turning 18 in 2026, subject to conditions and checks.Source 8 |
| Benefit | Four ING Group shares after the education, questions, consent and account requirements are met.Source 8 |
| Knowledge exercise | The announcement distinguishes it from a MiFID appropriateness or suitability assessment.Source 8 |
Availability28
Conditions on the youth shares
| Item | Details |
|---|---|
| Form of benefit | Shares rather than a cash trading bonus.Source 8 |
| Holding conditions | No compulsory holding period or requirement to add investment money is described in the announcement.Source 8 |
| Charges | Custody of awarded shares is free; ordinary sale commission and taxes can apply.Source 8 |
Company and service history
Sections ↑Regional comparison29
Operating entity and address
- Headquarters
- Belgium
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
ING Belgium SA / ING België NV
No separate licence entry is recorded in this panel.
Cost illustrations and practical implications
Sections ↑Scenarios30
Calculated ordinary holding cost
| Item | Details |
|---|---|
| Assumption | One €10,000 share or ordinary ETF line at an unchanged value for twelve months.Source 3 |
| Monthly calculation | 0.0242% equals €2.42, above the per-line minimum.Source 3 |
| Annual illustration | €29.04 for twelve identical months, before dealing, FX, taxes and product costs; qualifying plan ETFs are exempt.Source 3 |
Scenarios31
Calculated recurring-plan comparison
| Item | Details |
|---|---|
| €50 plan purchase | 0.10% equals €0.05 brokerage.Source 2Source 3 |
| €1,000 or larger purchase | €1 at €1,000; the €1 cap prevents further growth above it.Source 2Source 3 |
| Ordinary €1,000 Euronext purchase | 0.35% equals €3.50 under the standard digital tariff.Source 2Source 3 |
Sources & further reading
- ING Belgium Self Invest: service, instruments and digital channels ING Belgium Self Invest · Accessed 27 Oct 2026
- ING Belgium ETF Invest Plan: minimum, frequency, control and fees ING Belgium Self Invest · Accessed 27 Oct 2026
- ING Belgium investment tariff effective 1 July 2026 ING Belgium Self Invest · Accessed 27 Oct 2026
- ING Belgium general investment conditions effective 1 July 2026 ING Belgium Self Invest · Accessed 27 Oct 2026
- ING Belgium optimal order execution policy, September 2026 ING Belgium Self Invest · Accessed 27 Oct 2026
- ING Belgium depositor-protection information sheet ING Belgium Self Invest · Accessed 27 Oct 2026
- Belgian Guarantee Fund: deposit and financial-instrument protection systems Belgian Guarantee Fund · Accessed 27 Oct 2026
- ING Belgium announcement, 20 October 2026: financial education and four-share youth initiative ING Belgium Self Invest · Accessed 27 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.