Tariff brochure for Retail Banking Individuals

[Pages:25]Tariff brochure for Retail Banking Individuals

ING Luxembourg S.A.

Effective as of 1 July 2023

This Tariff brochure for transaction services offered to Retail Banking Clients is effective as of 1 July 2023 and applicable to the transaction services offered by ING Luxembourg S.A., (referred to as `ING'). Rates offered in this brochure are subject to changes. All fees shown in this brochure are exempt from VAT unless expressly stated otherwise. Exchange rates can be found via your local ING office.

Our costs at a glance for Individuals

This is our tariffs' summary. In order to have more detailed information, please consult following pages (from page 4). Accounts Current Accounts

Fee for Retail Banking clients - Individuals

Opening an account1 Account Management charges2 Account maintenance charges

0 0 20 0

/year/account/mailing address for ING Orange Account*, Young Adults Current Account3 and Teen Account

* Fee in the event of non-compliance with the conditions for benefiting from a free ING Orange Account : 15/calendar quarter (not applicable for customers ages 18-25). To learn about our conditions, please refer to the detailed tariff (page 4).

Savings Accounts Account charge

Compte Vert Junior Savings (0-17ans) Compte Vert Young Adults3/Teen Savings ING Orange Savings

8 0 0 0

/year/account /year/account /year/account /year/account

Cards Debit Cards

Current Account

Annual Fee Debit Interest rate4 Within the limits of the credit line

Exceeding the limits of the credit line

Credit Cards ? Visa

20

% 9 % 12

Annual Fee Visa Classic Visa CyberCard

Visa Gold (previous Visa Classic & Assistance)

20 13* 70

Visa Platinum (previous Visa Gold with N? 130 starting with 4966-11)

Visa Business Visa Business & Assistance

*free for ING Orange Account holders **also available for ages 12-17

40 90

ING Orange Account

0

Young Adults Current Account3

0

Teen Account 0

% 9

% 9

-

% 12

% 12

-

Young Adults3

0 0** 40

80

N/A N/A

1Applicable only for major currencies. ING Orange Account and Young Adults Current Account exist only in EUR. 2 For clients who do not reside in the EU (European Union): EUR 50/quarter/client number. In case of decision by the Bank to close an account, management charges of 100 EUR per quarter/client n? will be charged for any unclosed account at the end of the notice period communicated by the Bank for the closure of such account (the Termination date) 3 For clients aged 18-25. 4 The standard credit line for new clients opening an ING Orange Account is EUR 0.

Tariff brochure for transaction services LU EN ? Retail Banking Individuals ? applicable from 1 July 2023

2

Using our products

Pay with cards

With your ING Debit Card on a Current Account in EUR

Point of sale payments in EUR

0

Non EUR point of sale payments

Withdrawal at ATMs With your ING Debit Card At ING Luxembourg ATMs

At other ATMs in EUR At other ATMs not in EUR With your ING Credit Card6 At ING Luxembourg ATMs All other withdrawals from ATMs

Transfers ? Outgoing :

Without foreign exchange transaction7

To ING Luxembourg In EUR Not in EUR

0.755

0 1.505 4.505

0 3.50

+ 2.50 % of the amount drawn

Electronic Transfers

0 % 0.15

from the amount with min. 5 - max. 120

Paper Transfers8

0 % 0.20

from the amount with min. 10 - max. 200

SEPA < 50,000 EUR 50,000 EUR

Other than SEPA

0 0

% 0.15

from the amount with min. 5 - max. 120

5 10

% 0.20

from the amount with min. 10 - max. 200

Please note that paper transfers between accounts of the same client number remain free.

Transfers ? Incoming: Without foreign exchange transaction7

SEPA Instant9

Other than SEPA

0 0 % 0.15

from the amount with min. 5 ? max. 36

Online Banking Online banking service via My ING (out of any Internet provider charges) 0

5 Free for clients aged 12-25. 6 For Visa accounts with a credit balance. 7 For foreign exchange transactions, please add the exchange rate charge mentioned on page 9.

8 Customers aged 75 and over benefit from free paper fees (from 01/08/2023)

9 Instant payments are limited to 100 000 EUR and only possible for SEPA transfers (in EUR and from an account in the SEPA zone)

Tariff brochure for transaction services LU EN ? Retail Banking Individuals ? applicable from 1 July 2023

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General fees

Current Accounts An overview of the different elements of our Current Accounts

Fee for Retail Banking clients - Individuals

Opening an account 10 Account Management charges 11 Account maintenance charges

0 0 20

/year/account/mailing address

0

for ING Orange Account*, Young Adults Current Account12 and Teen Account

* Fee in the event of non-compliance with the conditions for benefiting from a free ING Orange Account: EUR 15/calendar quarter (not applicable for customers ages 18-25). To benefit from the free advantages associated with the ING Orange Account, you simply have to make a minimum monthly transfer of EUR 1,000 to your ING Orange Account. Payments between your accounts are not taken into account.

Supplements for Current Accounts Account pseudonym :

Mail holding :

150 0

175

Account statements : Via My ING Mailing

0 postage fee + 1

/year/client number

for ING Orange Account, Young Adults current Accounts and Teen Account (excl. VAT) - included for Young Adults Current Accounts and Teen Account, N/A for ING Orange Account

for clients < 26 years : free monthly account

Debit interest rates for current accounts without arranged overdrafts (per annum)13 Debit Interest rate

EUR USD GBP CHF

% 12

% 12

% 12

% 10

SEK NOK DKK CAD ZAR HKD AUD

% 12

% 12

% 12

% 12

% 25

% 15

% 13

NZD

% 14

SGD

% 13

JPY

% 8,25

HUF

% 12

CZK TRY

%15

%25

All our credit interest rate for current accounts and savings accounts are available on our website at the address ing.lu/tariffs

In the event of negative rates relative to some currencies, the Bank reserves the right to recover said negative interest rates on all deposits made by customers by way of prior information in accordance with Article B.1.3 of the "General Terms and Conditions of the Bank.

10 Applicable only for major currencies. ING Orange Account and Young Adults Current Account exist only in EUR. 11 For clients who do not reside in the EU (European Union): EUR 50/quarter/client number. In case of decision by the Bank to close an account, management charges of 100 EUR per quarter/client n? will be charged for any unclosed account at the end of the

notice period communicated by the Bank for the closure of such account (the Termination date). 12 For clients aged 18-25.

13 The ING Orange Account and the Young Adults Current Account exist only in EUR.

Tariff brochure for transaction services LU EN ? Retail Banking Individuals ? applicable from 1 July 2023

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Cards

The different costs linked to our credit and debit cards. Visit our website ing.lu to get more information about the services linked to the different products.

Debit cards

Annual Fee Debit Interest rate15

Within the limits of the credit line Exceedent the limits of the credit line

Current Account 20

ING Orange Account

0

% 9 % 12

% 9 % 12

Young Adults14 Current Account

0

Teen Account 0

% 9

-

% 12

-

Credit cards ? Visa

Annual Fee Visa Classic Visa CyberCard

20 13*

Young Adults14

0 0**

Visa Gold (previous Visa Classic & Assistance)

Visa Platinum (previous Visa Gold with N? starting with 4966-11)

Visa Business Visa Business & Assistance

* free for ING Orange Account holders ** also available for ages 12-17

70

130

40 90

40

80

N/A N/A

Debit Interest rate

% 16.80

Additional charge in the case of failure to

10

make minimum 10% payment of the balance

25

/year

on the balance mentioned on the statement of the 20th which has not been paid on the 5th of the following month

1st reminder

Additional reminder

Visa credit card statements

0

postage fee + 116

via MY ING mailing

14 For clients aged 18-25.

15 The standard credit line for new clients opening an ING Orange Account is 0. 16 For clients < 26 years : free monthly account otherwise postage fee + 1

Tariff brochure for transaction services LU EN ? Retail Banking Individuals ? applicable from 1 July 2023

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Using our products Pay, withdraw, and deposit money... Here you will find the costs linked to these services.

Pay with cards

With your ING Debit Card Merchant payment in EUR Merchant payment in foreign currency

Current Account

0 0.75

ING Orange Account

0 0.75

Young Adults

Teen Account

Current Account17

0 0

0 0

Point of sale payment limits for ING Debit Cards18

Point of sale payment limits for ING Credit Cards

1,250

Cash deposit at a branch in the currency of the account

Charges Value Dates

All currencies

0

Withdrawal at ATMs

With your ING Debit Card At ING Luxembourg ATMs At other ATMs in EUR At other ATMs not in EUR

With your ING Credit Card21 At ING Luxembourg ATMs All other withdrawals from ATMs

0 1.5020 4.5020

0 3.50

by default From 0 to 5,000 upon client request19 Agreed credit limit + Visa account balance

all currencies 0.00 D (consumer clients) D + 1 (non-consumer clients)

+ 2.50 % of the amount drawn

17 For clients aged 18-25. 18 Per card and per period of 5 consecutive days. 19 Limits can be adapted by contacting your adviser. 20 Free for clients aged 12-25. 21 For Visa accounts with a credit balance.

Tariff brochure for transaction services LU EN ? Retail Banking Individuals ? applicable from 1 July 2023

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Withdrawal limits Debit Card ATM22

2 000

by default From 0 to 10,000 upon client request23 A weekly limit is set for the Teen Account by the legal representative(s).

Credit Card ATM24 Visa Classic Visa Classic & Assistance Visa Business Visa Business & Assistance Visa Gold

2 500 2 500 2 500 2 500 2 500

Withdrawal at a branch (non-ATM) in currency of Account

Withdrawal fee

0

Charge for non-withdrawal of reserved funds: 0.10% of the amount ordered with a minimum of 15 and a maximum of 100.

Value Dates EEA currencies Other currencies

D D ? 5 Bank Working Days

22 Per card and per period of 5 consecutive days. 23 Limits can be adapted by contacting your adviser or on My ING. 24 Limits can be adapted by contacting your adviser.

Tariff brochure for transaction services LU EN ? Retail Banking Individuals ? applicable from 1 July 2023

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Payments and direct debits

With your current account, you can transfer money within or outside Luxembourg. Below you will find the costs for the different types of transfer.

Transfers ? Outgoing :

Without foreign exchange transaction25

To ING Luxembourg In EUR Not in EUR

Electronic Transfers

0 % 0.15

from the amount with min. 5 - max. 120

Paper Transfers26

0 % 0.20

from the amount with min. 10 - max. 200

SEPA < 50,000 EUR 50,000 EUR

Other than SEPA

0 0

% 0.15

from the amount with min. 5 - max. 120

5 10

% 0.20

from the amount with min. 10 - max. 200

Please note that paper transfers between accounts of the same client number remain free.

Transfers ? Incoming: Without foreign exchange transaction23

SEPA Instant27

Other than SEPA

0 0 % 0.15

Direct Debits

SEPA

0

Request for reimbursement after collection in the event of an invalid mandate: Error originating on the side of the debtor 60

Request for a copy of the mandate at the bank

30

from the amount with min. 5 ? max. 36

charged to the debtor

25 For foreign exchange transactions, please add the exchange rate charge mentioned on page 9. 26 Customers aged 75 and over benefit from free paper fees (from 01/08/2023) 27 Instant payments are limited to 100 000 EUR and only possible for SEPA transfers (in EUR and from an account in the SEPA zone)

Tariff brochure for transaction services LU EN ? Retail Banking Individuals ? applicable from 1 July 2023

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