With Round Up & Invest, you invest while you pay.
Every payment you make is automatically rounded up. Whether you pay with your Debit Card, Apple Pay, Google Pay, Garmin Pay, or iDEAL—each rounding is added to your Easy Invest account the next day.
Once you've collected at least €10, the full amount is invested in the investment fund of your choice.
This way, you can invest almost effortlessly and enjoy all the benefits of Easy Invest (Eenvoudig Beleggen).
How it works
By default, your payments are rounded up to the next whole euro. Want to invest faster? You can easily change your preference. Choose to round up to the next €2, €5, or €10.
An example of rounding up to the next whole euro:
Another example of rounding up to the next multiple of €5:
Already have an Easy Invest account?
Don’t have an Easy Invest account yet?
You can open your account first using the button below, and then follow the steps above.
Prefer to round up to your savings account instead? That’s possible too!
Check out how to activate Round Up & Save.
All set!
All payments made with your Debit Card, Apple Pay, Google Pay, Garmin Pay, and iDEAL are rounded up the same day.
The rounded-up amount will appear in your investment account the next day.
Want to make changes? In the app, select your Easy Invest investment account and go to the ‘Round Up & Invest’ section.
Choose the option ‘Change your preference’. There you can:
Good to know
You may go into overdraft due to round-ups if you have ING Overdraft. Please note: the interest on ING Overdraft is significantly higher than the average return you earn from investing. So being overdrawn could cost you money. If you don’t have ING Overdraft and your account balance is zero—or you’ve reached your overdraft limit—we won’t deduct the round-up amount from your payment account.
Read more at “What does ING overdraft cost?”.
Tip: Turn on push notifications in your app and set your limit to €0. That way, you’ll immediately know when you go into overdraft.
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With Round Up & Save, the rounded-up amounts are transferred to a savings account.
With Round Up & Invest, they’re transferred to an investment account (an Easy Invest account) and automatically invested once a minimum of €10 is reached.
Yes, you can. On a single payment account, you can activate both Round Up & Save and Round Up & Invest at the same time. In that case, we round up twice.
An example of rounding up to the next €1 for both Round Up & Save and Round Up & Invest:
Yes. To use Round Up & Invest, you need an Easy Invest account. Opening and closing this account is free. There are also no transaction fees.
However, there are costs associated with the amount you invest in your Easy Invest account:
You only pay fees on the amount you invest.
Want to know more? Check out the Easy Invest cost overview
"}},{"title":"Where is my money invested with Easy Invest?","richBody":{"value":"
With ING Easy Invest, you choose one of four well-diversified ING Global Index Portfolio funds. Curious about what makes them sustainable? What index funds actually are? And what the differences between the funds mean?
Read more about the ING Global Index Portfolio funds
"}},{"title":"Can I sell my investments?","richBody":{"value":"
Yes, you can. You can easily sell your investments—fully or partially—at any time via the app or MijnING.
It usually takes 2 to 3 working days for the withdrawal to be processed and for the money to appear back in your payment account.
If you place an order during the weekend or on a public holiday, it may take a bit longer, as the stock exchange might be closed.
No, not if the Easy Invest accounts are linked to the same payment account. You can only activate Round Up & Invest once per payment account.
If you have two Easy Invest accounts that are linked to different payment accounts, then you can activate Round Up & Invest on both.
"}},{"title":"I use ING Overdraft — can I go into overdraft because of Round Up & Invest?","richBody":{"value":"Yes, that’s possible. That’s why it’s important to regularly check your account balance.
A helpful feature to set up is a minimum balance notification on your payment account.
As soon as your balance drops below a certain amount, you’ll receive a digital alert from us.
You can enable this via push notifications: minimum balance notification.
If there’s no balance at the end of the day, the round-up won’t be transferred. This is checked and determined daily.
As soon as there’s enough balance to cover the round-up amounts for that day, rounding will resume.
Yes, that's possible.
"}},{"title":"How can I change or deactivate Round Up & Invest?","richBody":{"value":"You can select your Easy Invest account where Round Up & Invest is active, and go to the settings to change or deactivate Round Up & Invest.
"}},{"title":"What happens if I change the rounding amount halfway through the day?","richBody":{"value":"From the moment you change your rounding preference for Round Up & Invest, that new setting applies to all payments you make with your card, mobile payment, Apple Pay, or iDEAL.
Previous payments remain unchanged.
If you deactivate Round Up & Invest before the end of the day, payments made earlier that day will no longer be rounded up.
"}},{"title":"Why weren’t yesterday’s payments rounded up?","richBody":{"value":"Only processed payments are rounded up. Payments are often first “reserved” on your payment account until they are fully processed. Reserved transactions are marked as “reservation.”
Once the payment is processed, the “reservation” label disappears and a value date appears. At that moment, the payment will be rounded up.
For payments made with a debit card or mobile, it usually takes 1 business day before the payment is processed. So the rounding happens one business day after the actual payment.
iDEAL payments are usually processed immediately.
So check your transaction overview to see if it’s a “reservation.” If so, the payment will likely be rounded up the next day.
"}},{"title":"Why is the ‘amount already built up’ showing as negative?","richBody":{"value":"The built-up balance is the amount of money currently in your Easy Invest account. All round-ups are transferred to your investment account and increase this balance. Once a minimum of €10 is reached, the amount is automatically invested.
The balance can become negative due to a service fee deduction. The service fee is automatically deducted each quarter by selling part of your investments equal to the fee amount.
If your portfolio is empty and there are no assets to sell, the fee is deducted from the cash portion.
If the cash portion is zero, the balance will go negative.
The balance can also temporarily go negative due to a recurring order. When a recurring order is executed, it’s created before the money is withdrawn from your payment account.
This may cause the built-up balance to show as negative until the withdrawal is processed—usually just a few hours, early in the morning.
Once the withdrawal is completed, your balance will return to zero or positive.
Investing involves risks and costs. You may (partially) lose your investment amount. Read more about the risks of investing and how to limit them. And also view the Investment Terms and Conditions.
Investments that contribute to environmental or social goals can be part of the ING Global Index Portfolio funds within Easy Invest as well as the Sustainable (Duurzaam) investment strategy offered through Vermogensbeheer. However, investing in such investments is not the sole purpose of these strategies, it is also important to invest in financially attractive companies. Here you find more information about the sustainable investing policy of the ING Global Index Portfolio funds.
"}}]}}}