ING Belgium review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
ING Belgium suits Belgian households that want a bank for a Mastercard debit card and a home purchase, with a mortgage at an initial rate of 2.85%. The card itself costs a monthly fee, so the appeal sits with the mortgage rather than with cheap everyday spending.
Key facts
Pros and cons
Pros
- The mortgage product fee is €0 on a purchase mortgage.
- Lending is direct rather than brokered, with borrowing up to 100% fixed for 20.
- A single bank covers both the debit card on the mastercard network and the mortgage.
Cons
- A monthly fee of €1.90 places ING Belgium at 357 in the monthly fee ranking of 422 brands.
- Support runs on phone and chat only.
Who it suits
- Belgian households that want the card and the mortgage under the same roof
- Buyers comfortable with an annual percentage rate of change of 2.85% on their mortgage
- People who prefer to raise questions by phone and chat
Who should look elsewhere
- bunq, which charges a monthly fee of €0
- Wise, at a monthly fee of £0
- Varo Believe Secured Credit Card, at a monthly fee of $0
Who runs it
The account is issued by ING Belgium SA/NV, a bank headquartered in Belgium and part of the wider ING group, which traces its roots to 1991. Customers in Belgium reach the bank by phone and chat, so questions about the card or the mortgage can be raised by phone or through chat.
How ING Belgium compares
8.9 vs 9.4
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 9.4
8.9 vs 8.7
8.9 vs 9.2
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8.9 vs 9.0
8.9 vs 9.0
8.9 vs 9.0
8.9 vs 8.9
8.9 vs 8.8
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8.9 vs 8.0- 8.9 vs 8.0
Where ING Belgium is available
- Available
- Belgium
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does an ING Belgium account cost each month?+
The card and account carry a monthly fee of €1.90. That is a real running cost, and it places ING Belgium at 357 in the monthly fee ranking across 422 brands priced on the site. It is the cost most likely to make a low cost account look better value.
What does the mortgage cost to arrange?+
Arranging the mortgage costs €0. The headline number is an initial rate of 2.85%, with an annual percentage rate of change of 2.85% shown alongside it. Purchase is the stated purpose, so the quote is aimed at buyers rather than remortgagers.
How much can I borrow and for how long?+
The maximum loan to value is 100%, so a full property purchase can be financed. The fixed period is 20, which sets how long the initial rate is held before the loan moves to a different rate.
Who runs the account?+
The account is issued by ING Belgium SA/NV, a Belgian bank that grew out of the wider ING group, whose history goes back to 1991. It is a bank rather than an app or a broker, which matters if you want the mortgage and the card under the same roof.
How do I get help?+
Help runs on phone and chat, so questions can be raised by phone or through chat rather than by email or a community forum. Phone-led support accounts for 74.4% of the accounts compared on the site, so the channel is well used.
What kind of card comes with it?+
The card is a debit card on the mastercard network, so spending comes straight out of the current account rather than a credit line. Debit cards make up 82.2% of the cards compared on the site, which is the norm here.
Is the mortgage arranged by a lender or a broker?+
ING Belgium is a direct lender rather than a broker, so the mortgage is arranged with the bank that also issues your card. The stated purpose is purchase, which points to buyers of a home, and the annual percentage rate of change is 2.85%.
How does it compare with free alternatives?+
The monthly fee is the clear comparison point, and here ING Belgium charges €1.90 against €0 at bunq, £0 at Wise and $0 at Varo Believe Secured Credit Card. The comparison only makes sense for a Belgian household that also wants the mortgage.
Sources
- assets.ing.com/m/4f78f60fd9714d80/pricing-list-private-ne... checked September 26, 2026
Backs: Card network
“Bancontact and Maestro or Mastercard networks - ING Lion Account card”
- assets.ing.com/m/c76bcb74c2d8d244/VerkoopAfstandBankkaart... checked September 26, 2026
Backs: Card type
“Is associated with an ING current account - ING Lion Account payment (debit) card”
- en.wikipedia.org/wiki/ING_Group checked September 26, 2026
Backs: Founded, Headquarters, Lender type
“ING Group was formed in 1991 from the merger”
- newsroom.ing.be/ing-belgium-revises-pricing-to-reflect-ma... checked September 26, 2026
Backs: Monthly fee
“Starting 1 July 2021, a monthly fee of 1,90 euros will be charged for the Lion Account”
- bankshopper.be/ing checked September 26, 2026
Backs: Purpose, Support channels
- bankshopper.be/nl/hypotheek/ing checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee
“ING - rente (JKP) 2.85%”
- scribd.com/document/457380355/fee-information-document-in... checked September 26, 2026
Backs: Legal entity
“ING Belgium SA/nv - Bank - Avenue Marnix 24, B-1000 Brussels”
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Free ATM withdrawals, Protection.
ING Belgium
Belgian households pairing a Mastercard debit card with a purchase mortgage