Bonds (Dutch only) are loans issued by companies or governments. When you buy a bond, you are lending money to a company or a government — in this case, ING. At the end of the bond’s term, the loan is repaid.
With a fixed‑rate bond, you know in advance how much interest you will receive during the bond’s term. This interest is also called the coupon rate and is definitively announced after the application period closes.
Because the interest rate may fluctuate during the application period, it is possible that you receive a higher interest rate than the one communicated beforehand. However, you will never receive less than the interest rate communicated in advance.
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*For informational purposes, we will use the name Easy Invest. The actual product name, which will also appear in the onboarding flow and on your bank statements, is Eenvoudig Beleggen. This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.
After applying, you can find your application in the app under ‘My orders’. If you use MyING, you will find your application under ‘Order overview’. You can also cancel your application there (up to and including the closing day at 15:00).
Do you want to modify your application? First cancel your application, then go back to ‘Discover’ if you’re using the app, or go to your Self Invest account in MyING and click the ‘ING Issuances’ tile again.
After allocation, it takes 3 business days before your bond is credited to your investment account and becomes visible in both the app and MyING.
In the interest rate of these bonds, a one‑time maximum of 0.65% issuance costs is included. These will therefore not be charged afterwards. The communicated interest rate is net. You also do not pay any purchase costs when you apply to the issuance.
Investing (Dutch only) involves risks and costs. You may lose your investment or part of it. With this bond, you bear the debtor risk of ING.
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"},"textLinks":[{"url":"/particulier/beleggen/beleggen-bij-ing/zelf-op-de-beurs","text":"More about Self Invest (Dutch only)"}]},{"componentType":"sectionTitle","title":"Curent* ING bonds"},{"componentType":"paragraph","richBody":{"value":"| Name | ISIN | Issuance | Redemption |
|---|---|---|---|
| ING 2,20% Coupon Bond 28/10/27 | XS2746650097 | 28-10-24 | 28-10-27 |
| ING 2,00% Green Bond 19/02/26 | XS2746649248 | 19-02-25 | 19-02-26 |
| ING 2,00% Green Bond 05/03/26 | XS2746648869 | 05-03-25 | 05-03-26 |
| ING Bank N.V. 3,5% USD Green Bond | XS2697567308 | 30-07-25 | 30-07-26 |
| ING Bank N.V. 3,5% USD Green Bond | XS2746649321 | 27-08-25 | 27-08-26 |
| ING Bank N.V. 3,3% USD Green Bond | XS2697564115 | 01-10-25 | 01-10-26 |
| ING Bank N.V. 3,1% USD Green Bond | XS2697564032 | 12-11-25 | 12-11-26 |
| ING Bank N.V. 3,25% USD Green Bond | XS2697563901 | 17-12-25 | 17-12-26 |
*Only ING bonds that have been available through issuance via Self Invest since July 2022.
Selling your bond before the end of its term can be done via the ING app or MyING. Go to your Self Invest account and select the bond you want to sell.
Click ‘Sell’ and enter the amount you want to sell under ‘Nominal amount’ (in multiples of €1,000).
When selling before the end of the term, the proceeds of your sale will not be exactly equal to the bond’s value, but slightly lower (0.5%). In investment terms: a bid–ask spread is applied, which is normally 1% under regular market conditions.
Under ‘Limit’, enter the minimum percentage at which you want to sell the bond.
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Clean
If you see an amount listed as ‘accrued interest’ in your portfolio for the bond you want to sell, and the bond was issued before August 2024, then the bond is traded clean. This means the accrued interest is paid out separately when you sell. It is added on top of the price at which you sell the bond.
Dirty
Bonds issued from August 2024 onwards are traded dirty. This means the accrued interest is not paid separately, but is already included (priced in) in the bond price.
Nominal amount: €10,000
Last price: 101%
If you sell at 101%, you will receive €10,100 (in case of a sale before the end of the term).
Example clean price
Nominal amount: €10,000
Last price: 99%
Accrued interest in portfolio: €200
If you sell at 99%, you will receive €9,900 + €200 in accrued interest (in case of a sale before the end of the term).
In the end, it makes no difference to the value of the bond whether it trades clean or dirty — the total amount you receive is equivalent, only the way it is shown differs.
"}},{"title":"How do I know a new issuance is opened again?","richBody":{"value":"ING will regularly open new issuances through Self Invest.
Keep an eye on this page, MyING, and the app.
When a new issuance is available, it will become visible in MyING on the dashboard of your Self Invest account.
In the app, go to ‘Discover’, where a new issuance will also appear under ‘Featured’.
| Name | ISIN | Issuance | Redemption |
| ING 2,98% Bond 17/04/24 | XS2596311907 | 17-04-23 | 17-04-24 |
| ING 3,2% Bond 05/06/24 | XS2596309596 | 05-06-23 | 05-06-24 |
| ING 3,35% Bond 03/07/24 | XS2620438270 | 03-07-23 | 03-07-24 |
| ING 3,40% Bond 31/07/24 | XS2620436738 | 31-07-23 | 31-07-24 |
| ING 3,31% Coupon Bond 2024 | XS2647247753 | 11-09-23 | 11-09-24 |
| ING 2,25% Coupon Note 2024 | XS2498962922 | 18-10-22 | 18-10-24 |
| ING 3,40% Coupon Bond 2024 | XS2647246862 | 16-10-23 | 16-10-24 |
| ING Greenbank 2,6% Bond 20/11/24 | XS2596308432 | 20-11-23 | 20-11-24 |
| ING Greenbank 2,6% Bond 18/12/24 | XS2724456566 | 18-12-23 | 18-12-24 |
| ING 2,80% Coupon Bond 05/02/25 | XS2746653356 | 05-02-24 | 05-02-25 |
| ING 2,80% Coupon Bond 19/02/25 | XS2596306907 | 19-02-24 | 19-02-25 |
| ING 3,00% Coupon Bond 02/05/25 | XS2746651061 | 02-05-24 | 02-05-25 |
| ING 3,00% Coupon Bond 04/06/25 | XS2746650170 | 04-06-24 | 04-06-25 |
| ING 3,10% Coupon Bond 17/06/25 | XS2746648513 | 17-06-24 | 17-06-25 |
| ING 1,25% Coupon Note 2025 | XS2445781102 | 18-07-22 | 18-07-25 |
| ING 3,00% Coupon Bond 15/07/25 | XS2746649834 | 15-07-24 | 15-07-25 |
| ING 2,85% Coupon Bond 25/08/25 | XS2746648786 | 12-08-24 | 12-08-25 |
| ING 2,50% Coupon Bond 23/09/24 | XS2746648604 | 23-09-24 | 23-09-25 |
| ING 2,20% Coupon Bond 28/10/25 | XS2746649917 | 28-10-24 | 28-10-25 |
| ING 2,00% Green Bond 28/11/25 | XS2746649081 | 28-11-24 | 28-11-25 |
"}}]},{"componentType":"accordion","accordionList":[{"title":"Which bonds trade 'clean' and which trade 'dirty'?","richBody":{"value":"
The bonds shown on this page, issued from August 2024 onwards, trade “dirty.” This means that the amount of accrued interest is included in (and already reflected in) the most recent price.
*For informational purposes, we will use the name Easy Invest. The actual product name, which will also appear in the onboarding flow and on your bank statements, is Eenvoudig Beleggen. This translation is intended for the customer’s convenience only. In the event of any inconsistency between the English translation and the original Dutch version, the original Dutch version shall prevail.
"}}]}]}}}