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
3
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
4
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
5
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
7
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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