Sign up by 31 December 2026 for the promotion and make an investment of at least €1,000 in your pension invest account between 5 October and 31 December 2026. Your bonus depends on the total amount that you invest during the promotional period. If you meet the terms and conditions, then you will receive your bonus in the first quarter of 2027, paid to your Pension Investing account.
"}},{"accordionList":[{"richBody":{"value":"| Total deposit during the campaign period | Bonus |
|---|---|
| € 1.000 - € 4.999 | € 50 |
| € 5.000 - € 9.999 | € 200 |
| € 10.000 - € 24.999 | € 300 |
| € 25.000 - € 49.999 | € 500 |
| € 50.000 - € 99.999 | € 750 |
| € 100.000 - € 199.999 | € 1.500 |
| € 200.000 or more | € 3.000 |
Good to know: in 2026, the maximum tax-advantaged allowance for regular pension contributions is €78,342. The bonus tiers from €100,000 onwards are therefore primarily intended for customers transferring existing pension or annuity capital, or transferring accrued pension entitlements, for example from a private limited company (BV). Before making a contribution, please check how much you can contribute based on your available annual fiscal allowance (jaarruimte), carry-forward allowance (reserveringsruimte), and personal circumstances.
"},"title":"View the bonus tiers"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"Sign up for the promotion via the button below.
"}},{"componentType":"cta","textLink":{"text":"Sign up for the promotion","url":"/en/personal/investing/investments-at-ing/pension-invest-bonus-2026-sign-up"}},{"componentType":"sectionTitle","title":"Build additional retirement savings for later"},{"componentType":"paragraph","richBody":{"value":"Whether pension investing is right for you depends on your situation: your employment situation, income, and plans for the future. Explore situations similar to yours below and discover what choices others made.
"}},{"cards":[{"body":"Explore the situations of other employees and see what factors they considered in determining if pension investing was right for them.","cardSize":"medium","cardType":"article","componentType":"articleCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/8d2b1782-706b-4fe4-8977-b53f2de4b59c/Rear-view-of-man-working-on-computer-in-office.jpg","publishedAt":"2024-10-27T00:00:00Z","transformBaseUrl":"https://assets.ing.com/transform/8d2b1782-706b-4fe4-8977-b53f2de4b59c/Rear-view-of-man-working-on-computer-in-office","type":"image","updatedAt":"2026-05-13T11:47:43Z","width":5700},"link":{"url":"/en/personal/investing/investments-at-ing/pension-situations"},"title":"I am an employee"},{"body":"Read about the situations of different entrepreneurs and how they look at their financial future.","cardSize":"medium","cardType":"article","componentType":"articleCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/8a151d3e-4f31-4abe-8482-8b06f0135fe5/Large_Web-and-Screen-Carpenter-working-in-his-workshop.jpg","publishedAt":"2026-08-25T09:43:22Z","transformBaseUrl":"https://assets.ing.com/transform/8a151d3e-4f31-4abe-8482-8b06f0135fe5/Large_Web-and-Screen-Carpenter-working-in-his-workshop","type":"image","updatedAt":"2026-08-25T09:44:12Z","width":1920},"link":{"url":"/en/business/pension/retirement-planning-for-entrepreneurs"},"title":"I am self-employed or a freelancer"}],"componentType":"cards"},{"componentType":"cta","textLink":{"text":"More about Pension Investing","url":"/en/personal/investing/investments-at-ing/pension-investing"}},{"componentType":"sectionTitle","title":"Discover whether Pension Investing is right for you"},{"componentType":"paragraph","richBody":{"value":"The examples above can give you an idea of your own situation. If you would like more detailed insight, you can use the pension tool to explore your pension gap, annual fiscal allowance and carry-forward allowance.
"},"textLinks":[{"text":"Use the pension tool","url":"https://mijn.ing.nl/investments/pension-hub?EW=true"}]},{"componentType":"sectionTitle","title":"From exploration to action"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Read all about ING Pension Investing and see if it fits your situation.","textLink":{"text":"Discover Pension Investing","url":"/en/personal/investing/investments-at-ing/pension-investing"},"title":"Find out whether Pension Investing is right for you"},{"textLink":{"text":"Sign up","url":"/en/personal/investing/investments-at-ing/pension-invest-bonus-2026-sign-up"},"title":"Sign up for the promotion"},{"body":"Until 31 December, you can open a Pension Investing account with no €45 opening fee.","title":"Open a Pension Investing account"},{"body":"Make a contribution to your account by 31 December and receive a bonus from €50 to €3,000.","title":"Make a contribution to your account"},{"body":"If you meet the terms and conditions, then you will receive your bonus in the first quarter of 2027, paid to your Pension Investing account.","textLink":{"text":"Read the terms and conditions","url":"https://assets.ing.com/asset/a499ab7a-e091-433e-947a-158b6ca342ad/ING-Pension-Investing-terms-and-conditions-2026.pdf"},"title":"Receive your bonus"}]}},{"componentType":"cta","textLink":{"text":"Learn more about Pension Investing"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"You can find your registration in the ING App under Products > Do more with ING > Promotions and Rewards. Here you can see which promotions you have successfully registered for.
A successful registration means that your application for this promotion has been received. Whether you qualify for the bonus depends on whether you meet all applicable promotion terms and conditions.
"},"textLinks":[{"text":"Read the promotional terms & conditions","url":"https://assets.ing.com/asset/a499ab7a-e091-433e-947a-158b6ca342ad/ING-Pension-Investing-terms-and-conditions-2026.pdf"}],"title":"How can I check whether my registration for this promotion was successful?"},{"richBody":{"value":"Yes. You do not need to open a new Pension Investing account to participate in this promotion. Customers with an existing ING Pension Investing account can also take part.
To qualify for the bonus, you must register for the promotion and make a contribution, transfer existing pension or annuity capital, or transfer accrued pension entitlements during the promotional period.
"},"title":"Can I participate with an existing Pension Investing account?"},{"richBody":{"value":"If you meet all promotion terms and conditions, your bonus will be credited to your ING Pension Investing account no later than 28 February 2027. The bonus will be paid directly into your Pension Investing account.
The bonus is a cash incentive provided by ING and is not considered a pension contribution. It therefore does not count towards your annual fiscal allowance or unused allowance carry-forward allowance and does not provide any additional tax relief.
Please note that the bonus is paid into your Pension Investing account and remains part of the assets you accumulate for retirement. In most cases, pension assets can only be accessed in accordance with the tax rules applicable to pension and annuity arrangements.
Example: you contribute €10,000 to your Pension Investing account and, provided you meet all promotion terms and conditions, receive a €300 bonus from ING. You may be eligible for tax relief on the €10,000 contribution. The €300 bonus is not a pension contribution, does not count towards your pension contribution allowance, and does not qualify for tax relief.
"},"title":"When will I receive my bonus and how will it be paid?"},{"richBody":{"value":"All amounts received and processed by ING on your Pension Investing account no later than 31 December 2026 count towards the bonus. This includes:
Assets originating from an existing ING Discretionary Portfolio Management account do not qualify. This also includes proceeds from the sale of investments held within an existing discretionary portfolio.
"},"title":"Which contributions count towards the bonus?"},{"richBody":{"value":"No. To open an ING Pension Investing account, you must hold a personal current account with ING.
If you only have a business account with ING, you must first open a personal current account before applying for a Pension Investing account.
Self-employed individuals, freelancers and directors-major shareholders (DGA's) can also use ING Pension Investing. The account is always opened in the individual's personal name.
"},"title":"Can I open a Pension Investing account using my business banking relationship?"},{"richBody":{"value":"To qualify for the bonus, you must contribute, transfer pension capital or transfer pension entitlements worth at least €1,000 during the promotion period.
The size of the bonus depends on the total amount received and processed on your Pension Investing account during the promotion period.
Please note that you should not contribute or transfer additional pension assets solely to qualify for a higher bonus. Before making a contribution or transfer, check what is appropriate based on your available annual pension contribution allowance, carry-forward allowance and personal circumstances.
You are responsible for assessing your available tax allowances. ING does not verify whether contributions remain within your available tax limits.
"},"title":"What is the minimum amount required to qualify?"},{"richBody":{"value":"Yes. A transfer of existing pension or annuity capital qualifies for the bonus. The transfer of accrued pension entitlements may also qualify for the higher bonus tiers.
Good to know: the bonus tiers from €100,000 onwards are primarily intended for larger transfers of existing pension or annuity capital, or for the transfer of accrued pension entitlements. For regular contributions from a current account or savings account, the amount you can contribute is generally limited by your available annual allowance (jaarruimte) and carry-forward allowance (reserveringsruimte).
For bonus calculation purposes, ING will use the amount that has actually been received and processed. Any changes in value resulting from market movements during the transfer process will not be taken into account when determining the bonus amount.
"},"title":"Do pension transfers count towards the bonus?"},{"richBody":{"value":"If you wish to transfer existing pension or annuity capital to ING Pension Investing, first open an ING Pension Investing Account, or use your existing account, and register for the promotion. A transfer counts towards the bonus once it has been received and processed by ING.
After opening your Pension Investing Account, you can initiate a transfer request through ING. More information is available on our pension transfer webpage.
Please note that pension transfers typically require at least two weeks to complete and may take longer in some cases. If you would like your transfer to qualify for this promotion, submit your request in good time. Only transfers received and processed by ING no later than 31 December 2026 count towards the bonus.
"},"title":"How do I request a pension transfer?"},{"richBody":{"value":"Yes. All contributions, pension transfers and transfers of accrued pension entitlements received and processed during the promotion period will be added together.
The applicable bonus tier is determined based on the total qualifying amount.
"},"title":"Can multiple contributions be combined for the bonus calculation?"},{"richBody":{"value":"Pension Investing may offer tax benefits on your contributions, depending on your available annual pension contribution allowance and unused allowance carry-forward.
If your contribution falls within your available allowances, it may be deductible for income tax purposes. The actual tax benefit depends on your personal circumstances. Learn more about the tax benefits of pension investing.
You are responsible for verifying your available tax allowances. ING does not assess whether your contributions fall within the applicable tax limits.
Want to know your available allowance? Log in with your ING account and calculate it using our pension allowance tool.
"},"title":"What tax benefits can Pension Investing provide?"},{"richBody":{"value":"No. Assets originating from an existing ING Discretionary Portfolio Management account do not qualify for the promotion.
This also applies to proceeds resulting from the sale of investments within an existing discretionary portfolio.
ING may verify the source of funds and may refuse, adjust or reclaim a bonus if this condition has not been met.
"},"title":"Does money from my ING Discretionary Portfolio Management account count towards the bonus?"},{"richBody":{"value":"No. Participation is limited to one entry per person.
If you hold more than one ING Pension Investing account, all qualifying contributions, pension transfers and transfers of accrued pension entitlements across those accounts will be combined when calculating your bonus.
Example
You contribute €10,000 to Pension Account A and €15,000 to Pension Account B.
For the purpose of this promotion, this is treated as a single total contribution of €25,000. Based on the applicable bonus tier, you would qualify for a €500 bonus. Provided you meet all promotion terms and conditions, the bonus will be paid into your Pension Investing account.
"},"title":"Can I participate more than once?"},{"richBody":{"value":"If, within 12 months of your first contribution, you withdraw assets, transfer them elsewhere or otherwise reduce the balance of your account, and as a result your balance falls below the bonus tier for which you received a bonus, ING may reclaim or offset part or all of the bonus.
Please also note that assets held in a Pension Investing account are intended for retirement purposes and generally cannot be freely withdrawn before retirement age.
"},"title":"What happens if I withdraw assets within 12 months?"},{"richBody":{"value":"Pension investing is intended for clients who live in the Netherlands and are subject to Dutch taxes. Are you planning to leave the Netherlands in the (near) future? If so, ING pension investing is probably not suitable for you. Please check out our other investment products.
"},"title":"Is pension investing suitable for expats?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"dd4e903a-fc24-4d18-9ce2-d1a8888c3cbc","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Terms and conditions apply to this promotion. Read the full promotion terms and conditions.
Investing involves risks and costs. The value built up for your retirement cannot be determined in advance and depends on investment performance, which may be higher or lower than expected. You may lose part or all of your invested capital. Tax rules and the available annual allowance (jaarruimte) and/or carry-forward allowance (reserveringsruimte) depend on your personal circumstances and may change over time. Read more about the risks of investing and how to limit them. And also view the Investment Terms and Conditions.
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