At ING, you can choose from investment options such as Self Invest (Zelf op de beurs), Easy Invest (Eenvoudig beleggen), and Portfolio management. Additionally, we can advise you on alternative investments in Private Markets and (customized) structured products.
Here you can find the rates for Easy Invest or Self Invest (in Dutch).
"}},{"componentType":"paragraph","title":"Wealth management fees","richBody":{"value":"If you choose Portfolio management, the following costs apply:
1. Maintenance and service fees
The maintenance fee is €20 per year, regardless of the number of ING investment accounts. In addition, you pay a service fee. This is a percentage of the average invested assets per investment account on an annual basis (incl. 21% VAT).
| Invested assets | Rates |
|---|---|
| < €500,000 | 0.65% |
| €500,000 - €1,000,000 | 0.40% |
| €1,000,000 - €2,500,000 | 0.20% |
| > €2,500,000 | 0.10% |
2. Fund fees
In addition to the maintenance and service fees, you also pay fund fees: the compensation for the managers for, for example, the investment funds and trackers in which you invest. These fund fees are already included in the price.
"},"textLinks":[{"text":"Calculate your annual costs (Dutch)"}]},{"componentType":"accordion","accordionList":[{"title":"Overdraft interest","richBody":{"value":"As of April 1, 2020, you pay 4% annual interest on overdrafts in your investment account.
"}},{"title":"Interest earned on the cash portion of your investment account","richBody":{"value":"As of %{Spaarrentes:PrivateindividualsENG.rente.ingangsdatum}%, the following rates apply:
| Balance | Interest |
|---|---|
| €0 to €1,000,000 | %{Spaarrentes:PrivateindividualsENG.rente.totaal.geenschijf}% |
| > €1,000,000 | 0% |
Investing involves risks and costs. The value of your investment may fluctuate. Past performance is no guarantee of future results.
"},"textLinks":[{"url":"/particulier/beleggen/service/algemene-voorwaarden-beleggen","text":"General terms and conditions for investing (Dutch)"}]},{"componentType":"sectionTitle","title":"Payment Fees"},{"componentType":"paragraph","richBody":{"value":"On January 1, 2026, the fees for payment packages will change. Click here for more information.
| Payment packages | Monthly |
|---|---|
| OranjePakket | %{prijs.btp:OranjePakket.Abfee_maand.eur}% |
| OranjePakket with Discount* | %{prijs.btp:OranjePakketmetkorting.Abfee_maand_nieuw.eur}% |
| Second account holder on a joint payment account (including second payment card) | %{prijs.btp:Extra_ING_Betaalpas.Abfee_maand.eur}% |
| Packages that can no longer be opened | Monthly |
| Standard package (BasisPakket) | %{prijs.btp:BasisPakket.Abfee_maand.eur}% |
| Payment package (BetaalPakket) | %{prijs.btp:BetaalPakket.Abfee_maand.eur}% |
| Royal package (RoyaalPakket) | %{prijs.btp:Royaalpakket.Abfee_maand.eur}% |
*If you choose the Orange Package with discount, you pay €0.80 for each cash withdrawal in euros with the ING payment card at an ATM in an EEA country.
"}},{"componentType":"sectionTitle","title":"Saving rates"},{"componentType":"paragraph","richBody":{"value":"You receive a higher interest rate when you invest more with ING Private Banking. We automatically adjust this for you every quarter (regardless of any decrease in your investments with us).
Average assets under management, investment advisory and Portfolio management | Balance on Private Banking Savings Account | Interest rates |
|---|---|---|
| € 0 to € 500,000 | € 0 to € 10,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.totenmet10k}% |
| € 10,000 to € 100,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven10ktotenmet100k}% | |
| € 100,000 to € 1,000,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven100ktotenmet1M}% | |
| € 1,000,000 to € 10,000,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven1Mtotenmet10M}% | |
| > € 10,000,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven10M}% | |
| € 500,000 to € 1,000,000 | € 0 to € 500,000 | %{Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.totenmet500K}% |
| € 500,000 to €5,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven500Ktotenmet5M}% | |
| €5,000,000 to € 10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven5Mtotenmet10M}% | |
| > € 10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven10M}% | |
| € 1,000,000 to € 2,500,000 | € 0 to € 500,000 | %{Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.totenmet500K}% |
| € 500,000 to €5,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven500Ktotenmet5M}% | |
| €5,000,000 to € 10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven5Mtotenmet10M}% | |
| > €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven10M}% | |
| > € 2,500,000 | € 0 to €500,000 | %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.totenmet500K}% |
| € 500,000 to €5,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven500Ktotenmet5M}% | |
| €5,000,000 to € 10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven5Mtotenmet10M}% | |
| > € 10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven10M}% |
Interest rates as of %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.ingangsdatum}%
Find out more about how interest rates are calculated here.
For Private Banking clients, different rates may apply in certain situations. The conditions for this are determined by ING. If you want to know more, please contact your relationship manager.
"}},{"componentType":"linkList","iconTitle":{"title":"Shortcut to"},"textLinks":[{"url":"/en/private-banking/investing","text":"Investing"},{"url":"/en/private-banking/savings","text":"Savings"},{"url":"/en/private-banking/wealth-planning","text":"Portfolio management"}]}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Make an appointment","intro":"Let's start a conversation.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3e538078-976f-4b74-b49c-90d7cd895df2/Web-12","type":"image","width":307,"original":"https://assets.ing.com/m/1d41bac33a10b194/original/Web-12.svg","extension":"svg"},"link":{"url":"/en/private-banking/customer-service"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Log in to My ING","intro":"Quick insights into your financial situation","image":{"transformBaseUrl":"https://assets.ing.com/transform/33c4e3a2-7e3d-47a1-9c6f-1993eedcdb8c/Web-13","type":"image","width":307,"original":"https://assets.ing.com/m/5aecfb619a645cd6/original/Web-13.svg","extension":"svg"},"link":{"url":"https://mijn.ing.nl/login"}}]}]}}}