The money you lend to ING Bank N.V. is invested in green projects such as wind turbines, solar panels and sustainable housing. Because the funds are invested in green projects, as an investor in this ING Bank N.V. Green Bond you may benefit from a tax advantage. This way, you contribute to a better world and can potentially achieve a higher net return.
"},"textLinks":[{"url":"https://mijn.ing.nl/investments/subscribe/100/ipo?flow-step=select","text":"Apply (Dutch only)"}],"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/fbf6cf4e-f21d-4f73-9b4a-0b8331cc8662/Flock-of-sheep-grazing-in-a-pasture-with-solar-panels","altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/259d7216627a4dc0/original/Flock-of-sheep-grazing-in-a-pasture-with-solar-panels.jpg","extension":"jpg"}},{"componentType":"sectionTitle","title":"What is a bond?"},{"componentType":"paragraph","richBody":{"value":"
A bond is a loan issued by a company or (semi-)government. When you apply to a bond, you are essentially lending your money to that organisation. In this case, to ING Bank N.V. With a bond that pays interest, you know in advance how much interest you will receive. This interest is also called the coupon rate and for this bond it is at least 3.25% per year.
At the end of the bond’s term (in this case after 1 year), you will receive back the amount you apply for in USD, including the accrued interest of 3.25%, converted into EUR.
The government encourages investments in environmentally friendly projects by offering tax benefits. With an investment in the ING Bank N.V. 3.25% USD Green Bond 2026, you not only contribute to a more sustainable world, but you may also benefit from tax advantages.
"},"alignedImage":{"position":"left","transformBaseUrl":"https://assets.ing.com/transform/cd329887-ae74-4c4d-8b11-5bfab4aece3f/Coin-and-wallet","original":"https://assets.ing.com/m/70ed81fddee85f78/original/Coin-and-wallet.jpg","extension":"jpg"}},{"componentType":"paragraph","richBody":{"value":"Depending on your situation on the reference date of 1 January 2026, you can benefit from the maximum tax exemption for Green Investments on your box‑3 capital gains tax. In addition, you may be eligible for a tax credit of 0.1% of the amount exempted for Green Investments that you and your partner are entitled to. This tax credit can be deducted from your income tax.
Please note: The Dutch Tax Authority determines your box‑3 assets as of 1 January of the tax year (the reference date). The tax benefit of investing in this green bond will therefore be reflected in your tax return and tax assessment for 2026.
More information can be found on the website of the Dutch Tax Authority:
Green Investments (belastingdienst.nl)
"}},{"componentType":"sectionTitle","title":"Costs and risks"},{"componentType":"paragraph","richBody":{"value":"Costs
Investing involves risks and costs. You may lose your entire investment or part of it.
With the ING Bank N.V. 3.25% USD Green Bond, you bear debtor risk on ING Bank N.V. This means that if ING were to go bankrupt, you may not receive your investment back in full.
The ING Bank N.V. 3.25% USD Green Bond is denominated in US dollars. This means you are exposed to fluctuations in the USD exchange rate. Currency movements may have either a positive or a negative impact on the value of this bond.
"},"textLinks":[{"url":"https://assets.ing.com/m/42836a9b5034e0e1/original/Brochure-ING-3-25-USD-Groen-Obligatie-2026.pdf","text":"Brochure including link to the Prospectus (Dutch only)"}]},{"componentType":"sectionTitle","title":"Applying and canceling"},{"componentType":"paragraph","richBody":{"value":"| ING Green Savings Deposit | ING Bank N.V. 3,3% USD Green Bond | ||
|---|---|---|---|
Period | 1 year | 1 year |
|
Interest | 1,75% | 3,25% | |
| Currency risk | No ( EUR ) | Yes ( USD ) | |
Interest change | Interest remains fixed for the duration of the deposit. | The interest on the bond remains fixed for the duration of its term. |
|
Received interest | The interest is paid out annually into a payment account |
The interest (and the amount you subscribed for in USD) will be paid out in EUR on the bond’s maturity date.
|
|
From which amount | From €5.000 | From and in multiples of USD 1.000 |
|
Withdraw |
You can withdraw money from the ING Green Savings Deposit or cancel the ING Green Savings Deposit before the maturity date, but this may involve costs.
| You can sell the bond at any time at the then‑applicable price. If you sell before the bond’s maturity date, the proceeds may be lower (or higher) than the amount you originally subscribed for. | |
Costs | There are no costs associated with maintaining an ING Green Savings Deposit. | For maintaining an investment account, you pay €20 per year. In addition, you pay a fee of 0.06–0.24% on the value of your investments. See fees. | |
Guaranteed | The deposit guarantee scheme applies up to €100,000. | The deposit guarantee scheme does not apply. The holder of the bond bears a debtor risk on ING Bank N.V. | |
Taxes |
The amount you want to subscribe for must be available in the cash part of your investment account. In the ING app, first select your Self Invest account under Investment Accounts and choose ‘transfer’ at the top of the screen. If you use MyING, go to Investing and select your Self Invest account there. Choose ‘Transfer money’, and the amount you select will be transferred from your Current Account to the cash portion of your Investment Account.
"}},{"title":"Can I sell the bond before its end of term?","richBody":{"value":"You can sell your bond early via the ING app or via MyING. Go to your Self Invest account and select the bond you want to sell.
Click on ‘sell’ and enter, under ‘Nominal amount’, the amount you wish to sell (in multiples of 1,000).
When selling before maturity, the proceeds will not be exactly equal to the value but slightly (0.5%) lower. In investment terms: a bid–ask spread is applied, which under normal circumstances is 1%.
Under ‘Limit’, enter the percentage at which you are willing to sell the bond at a minimum.
Regular Transaction costs (Dutch only) apply to any early sale.The accrued interest is paid out upon sale. There are two different ways this can happen, depending on how the bond is traded.
Clean
If you see an amount listed as ‘accrued interest’ in your portfolio for the bond you want to sell, and this bond was issued before August 2024, then it is traded ‘clean’. This means that the accrued interest is paid out separately at the time of sale. This amount is added on top of the price at which you sold the bond.
Dirty
Bonds issued from August 2024 onward are traded ‘dirty’. This means the accrued interest is not paid out separately but is already included in the bond’s price.
Example — Dirty price
Nominal amount in bond: 10,000
Last price: 101%
When selling at 101%, you will (in the case of an early sale) receive €10,100.
Example — Clean price
Nominal amount in bond: 10,000
Last price: 99%
Accrued interest in portfolio: €200
When selling at 99%, you will (in the case of an early sale) receive €9,900 plus €200 in accrued interest.
In the end, the overall value of the bond does not differ whether it is traded clean or dirty.
*For informational purposes, we will use the name Self Invest. The actual product name, which will also appear in the onboarding flow and on your bank statements, is Zelf op de Beurs. 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.
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