How do I open an investment account?
You can open an Easy Invest, Self Invest or Pension Investing account in the ING App or in My ING. Go to Products and then choose Investing. Your investment account will be linked to your ING current account. For Portfolio Management, make an appointment with an Asset advisor. Visit https://www.ing.nl/en/personal/investing/portfolio-management for more information.
To open an investment account with ING, you need an ING current account. If you do not have one yet, you can also open it in the ING App.
How do I make an appointment with an Asset advisor?
For Portfolio Management, make an appointment with an Asset advisor. Visit https://www.ing.nl/en/personal/investing/portfolio-management for more information.
Can I open an investment account for my child?
Yes, you can. If you want to open the account in the name of your minor child, your child first needs a children’s or youth account. Then, as a parent or representative, you can open the investment account from your own ING App or My ING. Only the parent or representative can manage the account, including deposits and withdrawals, until the child turns 18. When your child turns 18, they automatically take control of the account.
You can also open an additional investment account in your own name and change the account name to your child’s name at a later stage.
Is a joint investment account possible?
Yes, it is. An investment account can be linked to a joint current account, making it jointly owned. Both account holders can be authorised to manage the investment account using their own My ING login details.
My partner also needs to approve the application for an investment account, but this is not working or the notification has disappeared. What now?
If your partner needs to approve the application to open an investment account, they need to do this in their own app or My ING. The joint account holder logs in with their own details. A task will be waiting there.
In the app, you can approve the application by tapping the bell icon in the top right and then Applications. In My ING on a computer, the task will be ready when you click your name and then Your task list.
I want to invest for my business. Is that possible?
Yes, you can do this through Self Invest, Easy Invest and Portfolio Management. Your investment account will then be linked to your ING Business Current Account.
Why do I need a LEI (Legal Entity Identifier) for business investing?
From 3 January 2018, banks have been legally required to report the LEI to the regulator (AFM) for every investment transaction for a legal entity, such as a private limited company, sole proprietorship or foundation. You can apply for an LEI at the Chamber of Commerce.
After you receive the LEI code from the Chamber of Commerce, contact the investments department to pass on the LEI code. Once the code has been linked in our systems, you can continue opening the investment account after a maximum of 72 hours.
I need to provide my personal details (identification) for my investment account. How do I do that?
Under European legislation (MiFID II), ING is required to record a personal identifier, such as passport or identity card details. You can provide your details in My ING in the investing environment, by phone on 020 22 888 88, or at an ING branch after making an appointment. Until your details have been registered, you will not be able to access your investment account.
I live in Switzerland. Can I still invest with ING?
No. Due to Swiss FinSA legislation, ING’s investment services for customers living in Switzerland ended on 7 May 2021. You need to sell your investments or transfer them to another Dutch bank that complies with FinSA legislation.
More information, where applicable:
https://www.ing.nl/particulier/beleggen/service/finsa
I live outside the Netherlands and would like to invest with you. Is that possible, and what do I need?
In principle, investing with us is only possible for Private Customers and Business Customers who live or are established in the European Economic Area (EEA). It is also important that you understand Dutch. You can only open and hold an investment account if you also have a current account or business account with us.
For more information, please see our General Terms and Conditions of Investments, which describe all criteria and conditions in detail.
Is it possible to use both Easy Invest and Self Invest at the same time?
Yes. It is possible to have different investment accounts.
How do I transfer money to my investment account?
You can transfer money from your current account to your investment account in the ING App or in My ING. Use the Transfer button for Portfolio Management and Self Invest, and the Deposit button for Easy Invest.
For Portfolio Management and Self Invest, the amount you want to invest must first be in the cash section of your investment account before you can make a purchase. With Easy Invest, you can deposit an amount directly from your linked current account or set up a recurring deposit.
How can I withdraw money from my investment account?
You can sell some or all of your investments. The amount will then be transferred to the cash section of your investment account, after which you can transfer it to your current account. Please note that selling your investments can take a few working days. Investing is for the long term, so try to avoid having to sell at an unfavourable time.
How long does it take for a withdrawal from my investment account to reach my current account?
Processing a sell order takes about 3 working days. Once your investments have been sold and the money is in the cash section of your investment account, you can transfer it to your current account.
How can I transfer my investments to ING from another bank?
It is often quickest to sell your investments at the other bank and transfer the money to your ING investment account. In that case, ING reimburses the selling costs up to a maximum of €1,000.
You can also use the switching service, where ING transfers your investments. For portfolios worth €100,000 or more, we reimburse your broker’s switching costs up to a maximum of €1,000.
More information:
More about reimbursement of selling costs:
Switch your investments to ING
Switching service form:
Switch your investments to ING
How can I transfer my investments from ING to another bank?
You can transfer your investments to another Dutch bank with the same account name via that bank’s switching service. Contact the other bank for this. The transfer fee is €90 per fund line. The fee is debited from the cash section of the ING investment account.
It is not possible to transfer products such as Sprinters and Turbos. In principle, transfers to a foreign bank are not possible.
Please note: the ING Select Fund or ING Impact Fund in Portfolio Management cannot be transferred to another bank.
Can I transfer investments between two ING investment accounts?
Yes, but only within the same investment product, if:
You can arrange this easily and free of charge in My ING. Processing takes about 2 working days.
Transfers are not possible:
Want to transfer to an investment account with a different account name? Use the correct form, private or business, and send it to ING. You will receive confirmation once the transfer has been processed.
For more information and the transfer forms, visit:
Transfer investments within ING
How can I transfer money to my investment account?
That depends on how you invest and which platform you use. Choose your situation below.
Self Invest
Via the ING App:
Via My ING on a computer or laptop:
Easy Invest
With Easy Invest, you cannot transfer money to the cash section, but you can make a deposit directly.
Via the ING App:
Via My ING on a computer or laptop:
Portfolio Management
You can transfer money to the cash section in My ING on a computer or laptop.
Do you want to invest directly from your current account? Follow these steps:
Please note:
With Self Invest, the money must first be in the cash section of your investment account before you can invest.
With Easy Invest and Portfolio Management, you can make a deposit directly from your current account or set up a recurring deposit.
How do I transfer money from the cash section of my investment account to my current account?
You can transfer money from the cash section of your investment account in the ING App and in My ING from within the investment account.
Self Invest
Via the ING App:
Via My ING on a computer or laptop:
Portfolio Management
You can transfer money back from the cash section to your current account in My ING on a computer or laptop.
Follow these steps:
Please note:
With Self Invest, you can transfer money both to and from the cash section.
With Easy Invest, transferring back is not possible. Payouts are made by selling investments.
With Portfolio Management, you can transfer money back from the cash section to your current account.
How can I close or terminate my investment account?
You can close your investment account, and at the same time your Securities Credit or Options Agreement, in My ING or in the ING App.
You can only close an investment account if you no longer hold any investments. If you still do, you first need to sell them.
If you no longer hold any investments, you can close the investment account in the ING App as follows:
If you want to close the investment account in My ING on your computer or laptop, follow these steps:
We will close your investment account as soon as possible. You will receive confirmation of the closure. Once the investment account has been closed, it will no longer be visible in My ING and the ING App.
How can I transfer Triodos certificates to ING?
If you want to transfer Triodos certificates to a Self Invest account at ING, you can do this through the dedicated platform at the following website:
https://captin.nl/triodos/
This does not go through the regular switching service.
How can I transfer my investments from a foreign broker to ING?
In many cases, it is faster and cheaper to sell your investments and transfer the money to your ING investment account. Check the relevant ING page to see whether you qualify for reimbursement of the selling costs.
If you want securities to be transferred from a foreign broker to ING without selling them first, type “employee” to discuss the options with a colleague.
"},"title":"Deposits, Withdrawals and Transfers"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"Where can I find information about the risks of investing?
Investing always involves risks and costs; you may lose some or all of your deposit. Information about the risks per investment type, such as Easy Invest, Self Invest and Portfolio Management, and per investment category, such as shares and bonds, can be found on the website.
What should I do when the stock market is falling or when markets are unsettled?
Try to stay calm and not let emotions guide you. Investing is for the long term. It is often better to stick to your plan and not sell during a dip, because otherwise you may miss the recovery. History shows that markets often recover after a correction.
Current market developments and ING’s view
Would you like more background on our view of the current market situation? At: https://www.ing.nl/en/personal/investing/market-news-and-views we share our view of what is happening in the investment market.
Is sustainable investing possible at ING?
Yes, sustainable investing is possible with all our investment types. With Easy Invest and Portfolio Management, in the Sustainable, Index and SDG Impact strategies, sustainability criteria are applied. With Self Invest, you can choose sustainable funds and trackers yourself, for example by searching for “ESG” or “sustainable”.
What is the difference between saving and investing?
The main differences are expected return and risk. With saving, you take virtually no risk, but the return is lower and may be negative because of inflation. With investing, you have the opportunity to earn a higher return, but you also run the risk of losing some or all of your deposit. It is wise to build up a savings buffer before you start investing.
What is a good time to start investing?
It is not possible to determine the right entry point. Our tip is to invest for the long term and spread your entry points, for example by depositing a fixed amount every month. That way, you buy both at higher and lower prices and spread the risk.
Statements and administration
Where can I find my annual statement?
You can find your annual statements and the special “Statement for reporting actual return” for tax years 2017 to 2025 in My ING and in the ING App under Documents.
In the ING App, first tap the bell icon in the top right. In My ING, click your name in the top right. Then click Documents.
I need to report my actual return to the Tax authorities. Where can I find the information I need?
For this purpose, ING has made a “Statement for reporting actual return” available for the years 2017 to 2025. You can find this statement per year and per investment account in My ING and in the ING App under Documents in the Investing category.
Information about the cash section of your account and other products is included in your regular annual statement.
In the ING App, first tap the bell icon in the top right. In My ING, click your name in the top right. Then click Documents and then Investing.
How does dividend and dividend tax work?
If you invest, you may receive dividend or coupon interest. In various countries, withholding tax is charged on this. For substantive information about the dividend paid, check the company’s website or the fund manager’s website.
For a number of European countries, ING can reclaim withholding tax that was paid in excess through the Tax Reclaim Service, provided the claim is more than €125.
More information: https://www.ing.nl/particulier/beleggen/service/terugvorderen-bronbelasting.
"},"title":"Investment information and risks"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"What does the opening value of the portfolio section of my investment account mean?
This is the total value of your portfolio at the start of the year, based on the closing prices known at that time.
What does the closing value of the portfolio section of my investment account mean?
This is the value of your portfolio at the end of the year, based on the closing prices available at that time.
Why is there a difference between the closing value of last year and the opening value of this year?
This can be caused by:
Why does the opening value in the annual statement differ from the opening value in the quarterly statement?
This is usually due to accrued interest.
Why is the closing price of my Private Markets instruments not correct in the annual statement?
For Private Markets, closing prices are always delivered one month later. That is why, when preparing the annual statement, we usually use the most recently available price, often the November price. If needed, the customer must correct the closing value themselves in the tax return.
How is the opening value of the cash section determined?
This is the actual balance of the cash section on 1 January, as recorded in our systems.
How is the closing value of the cash section determined?
This is the actual balance of the cash section on 31 December, as recorded in our systems.
Why does my closing balance for last year differ from the opening balance for this year?
This can happen if payments, corrections, value date adjustments or recalculations were still processed afterwards. As a result, the opening balance is determined again.
What does gross dividend mean?
This is all dividend paid into your investment account before deduction of dividend tax, where applicable.
What is withholding tax in the Netherlands?
This is the total Dutch dividend tax withheld on distributions from Dutch investments.
What is foreign withholding tax?
This is the total withholding tax withheld abroad on dividend or other distributions from non-Dutch instruments.
Why is my Pension Investing contribution not included in my pre-filled tax return?
We provide the information to the Tax authorities. For this product, the Tax authorities choose not to automatically pre-fill this information. That is why the customer needs to enter the amount manually.
What does a coupon mean?
This is all coupon interest paid into your investment account before deduction of withholding tax, where applicable.
When will I receive interest on the positive balance in the cash section of my investment account?
We settle the interest on the positive balance in the cash section of your investment account every month at the beginning of the following month. You receive the interest in the cash section of your investment account.
You can view the transaction via View debits and credits.
How do I transfer money from my savings account to my investment account?
Transferring money to your investment account always goes through your linked current account. If the money you want to invest is in your savings account, first transfer it to your current account.
Where can I find the dividend received in my Self Invest account?
If you have received dividend, you can view this transaction in the transaction overview in the ING App and in My ING under Debits and credits. By clicking the transaction, you go to the transaction details. There you can also see, for example, whether dividend tax has been withheld.
What if I am unsure which of ING’s investment options suits me?
Do you find it difficult to choose between, for example, Easy Invest and Portfolio Management, or between Easy Invest and Self Invest? Then schedule a video call with one of our advisors at a time that suits you.
Your benefits:
Check this page for available dates and times.
When are the quarterly costs of my investment account charged?
Every quarter, you pay investment costs to ING. We charge these costs after the end of the quarter, usually at the end of January, April, July and October.
If you invest with Self Invest or Portfolio Management, you can choose how we collect these costs. You can choose a direct debit from the current account, which is the standard option, or from the cash section of the investment account. It is also possible to sell the investment funds with the largest positions in your portfolio up to the amount of the investment costs. This is not possible if your portfolio only contains individual shares and bonds.
With Easy Invest and ING Pension Investing, we automatically settle the costs within your investment account.
You can find the costs of our investment products on this page.
Would you like to change the way the costs are collected for your investment account?
If you invest with Self Invest or Portfolio Management, you can choose how we collect these costs. You can choose collection from the current account, which is the standard option. You can change this in My ING, but unfortunately not yet in the ING App. To do this, go to Arrange in the top right, the pencil icon, and then click Settings.
If you invest with Easy Invest or ING Pension Investing, you cannot change the collection method. We automatically settle the costs within your investment account.
Where can I find a specification of the quarterly investment costs?
Before we collect the costs, we send a message to your message box stating the amount. Once the costs have been debited, you can download the investment statement for a more detailed specification.
In the ING App, click your investment account and then the blue Settings button. In My ING, first go to your investment account and then click Documents.
If I stop investing, will I still pay costs?
We charge the costs of our investment products afterwards. If you stop investing, we will still charge the costs afterwards. We calculate the costs based on the period in which you actually invested.
Closing the investment account itself does not involve any costs. If you also close your investment account, we charge the costs when the account is closed and debit them from your linked current account. If you do not close the investment account, we charge the costs at the usual time. This means the investment account may show a negative balance if we charge the costs and there is no longer any balance on the investment account.
Check the pricing page for your specific product to see whether you also pay fixed costs for holding your investment account.
How can I see the return on my investment account?
You can view the return on your investment account via the return tile on the overview page of your investment account. You can choose to view the return per month for the past year or per year up to 5 years back.
The return graph shows the return on your investments, including cash, between the start and end of the period you selected. It is calculated as the difference between the closing value and opening value of your selected period, after deducting deposits and withdrawals of money and or securities. If investments in your portfolio are listed in foreign currency, they are shown in EUR. A return based on a foreign currency can have a positive or negative effect on the return expressed in EUR.
The value graph shows the total value of your investment account in the period you selected. It is the sum of all investments and cash sections in your account. If investments in your portfolio are listed in foreign currency, the value is shown in EUR.
How can I see the return on my individual investments?
You can view the return on your individual investments by going to your portfolio overview. There you can click the instrument you want to view. You will see the current quantity, current value, total cost price, average purchase price and the return since purchase.
How can I download an overview of the current value of my investment account?
If you need an overview of the current value of your investment account or the value on a specific date, you can find it via the Historical portfolio overview function. This function is only available in My ING and not yet in the ING App. Go to your investment account in My ING and scroll all the way down.
How can I put a joint investment account into one name?
The account name of your Self Invest, Easy Invest and Portfolio Management investment account is the same as that of the linked current account. If you want to change this, you can put the current account in one name. If that is not what you want, follow the process on the page about transferring investments within ING.
Please note: with Easy Invest, you cannot transfer the investments.
How do I access the documents for actual return?
If you use the ING App, tap the bell icon in the top right. Then tap Documents and then Investing.
If you use My ING on a computer or laptop, first click your name in the top right. Then click Documents and then Investing.
I can see my personal investment account when I am logged in to My ING Business
Because the login details for My ING and My ING Business are linked to the person, you can also view the investment account from the other domain with those details. If you want to change this, log in to My ING. Then click Arrange for your investment account and then Settings.
How can I download a transaction overview?
You can download transactions in My ING for your Self Invest account and in the ING App. First open your transaction overview. Choose a period, and then you can download the transactions.
For Self Invest, you can download a portfolio overview as a PDF file or as a CSV file. Downloading a PDF file is only possible in My ING.
Where can I find the date on which my investment account was closed?
After your investment account has been closed, you receive a confirmation of the closure in your personal message box. To find the date on which your investment account was closed, check your personal message box in the ING App or in My ING.
How can I see the return on my investment account in the app?
In the app, you can gain insight into the performance of your investments through the return graph. You can find this graph in the dashboard of your investments. You can view the total value or the return. The return can be viewed over a period of 5 years.
The return graph shows the return on your investments, including cash, between the start and end of the period you selected. It is calculated as the difference between the closing value and opening value of the selected period, after deducting deposits and withdrawals of money and or securities.
The value graph shows the total value of your investments during the selected period. It is the sum of all investments and the cash section in your investment account.
Are my investments covered by the deposit guarantee scheme?
The balance in the cash section of your investment account falls under the deposit guarantee scheme.
The investments you hold in an investment account with ING are legally segregated from ING’s assets. The investments are registered in your name and not in ING’s name. This means that if ING were to go bankrupt, your investments would not form part of the bankruptcy estate.
Where can I find my gross dividend?
You can find the total gross dividend received in your annual statement. Gross dividend is also listed in the documents for actual return.
I can see dividend in my portfolio, but I cannot do anything with it. Why is that?
If you are entitled to dividend, these rights are allocated to you on the record date. When we receive confirmation from the custodian that the dividend has been allocated, we already show it in your portfolio where possible, including the gross dividend value where available. We depend on the custodian for whether this value is included.
After the dividend payment date, we pay out the dividend in line with the settings of the portfolio. For specific information about the dividend, please check the website of the paying company or fund manager.
When will I receive the dividend payment?
For the exact dates and any specifics about dividend payments, we recommend checking with the company paying the dividend or with the fund manager.
Does ING withhold dividend tax when dividend is paid?
Yes, ING withholds withholding tax, dividend tax, when dividend is paid, especially for foreign shares. For Dutch shares, the distributing company withholds 15% dividend tax. For foreign dividends, ING may automatically reclaim tax that was withheld in excess if the amount is more than €125.
Important points:
Dutch shares: ING withholds 15% dividend tax. In the Netherlands, you can offset this against your income tax in Box 3.
Foreign shares: for foreign dividends, the applicable foreign withholding tax is withheld.
Reclaim: for foreign dividends, tax withheld in excess, above a certain treaty rate, may be reclaimed from the relevant tax authority. See the dedicated page on reclaiming withholding tax.
US shares: for the United States, ING uses U.S. tax forms, W-8BEN, to determine the correct withholding tax rate. ING therefore asks you to complete the form that applies to your situation from time to time. See the dedicated page on income from U.S. investments.
Ultimately, the amount withheld depends on the country of origin and tax treaties.
Corporate actions terms
What is a generic securities exchange?
A generic securities exchange is a Corporate Action where your existing shares or other securities are automatically exchanged for new securities. The number or characteristics of those securities may change.
What is a merger?
A merger is a Corporate Action in which two companies combine. Your existing shares are often converted into shares of the new or acquiring company.
Mergers can also take place between funds, where multiple funds are combined or merged into a new fund.
What is a fractional cash settlement?
A fractional cash settlement is a Corporate Action where you receive cash for small fractions of shares that can't be converted into whole shares during events such as a merger or stock split.
What is a spin-off?
A spin-off is a Corporate Action where a company separates part of its business into a new, independent company. Investors usually receive shares in the new company automatically.
What does a write-off without value mean?
A write-off without value means a position is removed because the share or product no longer has any value. You won't receive cash or replacement securities.
What is a cash offer?
A cash offer is a Corporate Action where a party offers to buy your shares for a fixed cash price. If you accept the offer, or if it becomes compulsory, you'll receive the agreed cash payment.
What does the allocation of rights mean?
The allocation of rights means existing shareholders automatically receive rights that allow them to buy new shares or choose another option during an issue or restructuring.
What is a stock split?
A stock split is a Corporate Action where one share is split into multiple new shares. The total value of your investment stays the same. You simply own more shares, each worth proportionally less.
In a reverse stock split, shares are combined instead. The total value remains unchanged, but you own fewer shares worth proportionally more.
What is a merger involving shares and cash?
This is a merger where you receive both new shares and a cash payment in exchange for your existing shares.
What is a rights issue with shareholder choice?
A rights issue with shareholder choice allows you to decide whether to:
What is a generic cash conversion?
This is a Corporate Action where your existing securities are automatically converted into a cash payment, for example when a fund closes.
What are proceeds from the sale of rights?
This is the money you receive when rights are sold automatically or manually during a rights issue.
What is an administrative write-off?
An administrative write-off is a technical booking where a position is removed because it can no longer be traded or has been replaced by new securities.
What is a liquidation payment?
A liquidation payment is the money you receive when a company is wound up and its remaining assets are distributed to shareholders.
What is a merger sale?
A merger sale means your shares are sold or acquired as part of a merger. In return, you'll receive cash, securities or a combination of both.
What is a bonus issue?
A bonus issue means you receive additional shares without paying for them. This can happen when a company returns surplus capital to shareholders.
What does the write-off of residual holdings mean?
This means small remaining positions in a share or investment product are removed, usually because they're too small to trade or are no longer tradable. You generally won't receive compensation.
What does termination without residual value mean?
This is a Corporate Action where a share, fund or investment product ceases to exist and no value remains for investors.
What does termination with residual value mean?
This is a termination where the investment product or fund closes, but some value remains. You'll receive that value either as a cash payment or as replacement securities.
What is a stock dividend?
A stock dividend is a dividend paid in additional shares rather than cash.
What is a rights distribution?
A rights distribution means new rights are created and separated from your existing shares. These rights can often be used to buy additional shares.
What is a Dutch auction?
A Dutch auction is a method used by a company to buy back its own shares. Investors specify the price at which they're willing to sell. One final price is then set and applied to all accepted offers.
What is a warrant exercise?
A warrant exercise means you use a warrant - the right to buy shares - to purchase the underlying shares at a pre-agreed price.