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Tariff brochure forPrivate Banking andBusiness clientsING Luxembourg SAEffective as of 1 July 2021This Tariff brochure for transaction services offered to Private Banking and BusinessClients is effective as of 1 July 2021 and applicable to the transaction services offeredby ING Luxembourg S.A., (referred to as ‘ING’). Rates offered in this brochure aresubject to changes. All fees shown in this brochure are exempt from VAT unlessexpressly stated otherwise. Exchange rates can be found via your local ING office.
Our costs at a glance for IndividualsThis is our tariffs’ summary. In order to have more detailed information, please consult following pages (from page 6).AccountsCurrent AccountsFee for Retail Banking clients - IndividualsOpening an account1 0 0 100/year/ custumer numberCompte Vert 8/year/accountJunior Savings (0-17ans) 0/year/accountCompte Vert Young Adults /Teen Savings 0/year/accountING Orange Savings 0/year/accountManagement charges2Account chargesSavings AccountsAccount charge3CardsDebit Cards – V PAYCurrent AccountING OrangeAccountYoung AdultsCurrent Account3Teen Account 15 0 0 Within the limits of the credit line%9%9%9-Exceeding the limits of the credit line%12%12%12-Annual FeeDebit Interest0rate4Credit Cards – VisaYoung Adults3Annual FeeVisa Classic 20 0Visa CyberCard 13* 0**Visa Classic & Assistance 70 40Visa Gold 130 80* free for ING Orange Account holders** also available for ages 12-171Applicableonly for major currencies. ING Orange Account and Young Adults Current Account exist only in EUR.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 thenotice period communicated by the Bank for the closure of such account (the Termination date) – date of application as from 01/04/2020.23 For4clients aged 18-25.The standard credit line for new clients opening an ING Orange Account is EUR 0.Tariff brochure for transaction services LU EN - Private Banking & Business Clients Jul y 20212
Using our productsPay with cardsWith your ING Debit Card on a Current Account in Point of sale payments in EUR 0Non EUR point of sale payments 0.755At ING Luxembourg ATMs 0At other ATMs in EUR 0.755At other ATMs not in EUR 4.505At ING Luxembourg ATMs 0All other withdrawals from ATMs 3.50Withdrawal at ATMsWith your ING Debit CardWith your ING Credit Card6 2.50 % of the amount drawnTransfersWithout foreign exchange transaction7To ING LuxembourgElectronic transfersPaper transfersIn EUR 0 0Not in EUR%0.15%0.20 0 0 2 0 5Incoming%0.15from the amount withmin. 5 – max. 36 Outgoing%0.15from the amount withmin. 5 – max. 120 from the amount withmin. 5 – max. 120 from the amount withmin. 6 – max. 150 SEPAIncomingOutgoing 50,000 50,000-Other than SEPA-%0.20from the amount withmin. 6 – max. 200 Online BankingOnline banking service via My ING (out of any Internet provider charges) 05 Freefor clients aged 12-25.Visa accounts with a credit balance.7 For foreign exchange transactions, please add the exchange rate charge mentioned on page 12.6 ForTariff brochure for transaction services LU EN - Private Banking & Business Clients Jul y 20213
Our costs at a glance forCommercial, Patrimonial and Financial CompaniesThis is our tariffs’ summary. In order to have more detailed information, please consult following pages (from page 6) (exceptCompanies from Wholesale Banking – please refer to Wholesale Banking costs overview document)Current AccountsFee for Financial and Patrimonial CompaniesOpening an account8 125 150/quarter/client number 12/year/account/address 0 50/quarter/client number 12/year/account/address 15Within the limits of the credit line%9Exceeding the limits of the credit line%12 75Visa Business 40Visa Business & AssistanceManagementcharges9Account holding feeFee for Commercial CompaniesOpening an accountManagement charges10Account holding feeCardsDebit Cards – V PAYCurrent AccountAnnual FeeDebit Interest rateUrgent order for V PAY cardCredit cards – VisaAnnual fee 90Debit ineterest rate%16.80Additional charge in the case of failure tomake minimum 10% payment of thebalance 101st reminder 25Additional reminder/yearagainst the balance mentioned on thestatement of the 20th which has beenpaid ont the 5th of the following month8 EUR2,000 for complex Financial Institutions (Trust, Offshore, Foundations, Regulated Funds, Securitisation, SCSp ).500 /quarter/client number for complex Financial Institutions (Trust, Offshore, Foundations, Regulated Funds, Securitisation, SCSp ).In case of decision by the Bank to close an account, management charges of 1250 EUR per quarter/client number will be charged for any unclosed account at the end ofthe notice period communicated by the Bank for the closure of such account (the Termination date).10 In case of decision by the Bank to close an account, management charges of 500 EUR per quarter/client n will be charged for any unclosed account at the end of thenotice period communicated by the Bank for the closure of such account (the Termination date).9Tariff brochure for transaction services LU EN - Private Banking & Business Clients Jul y 20214
Payments and direct debitsTransfers - OutgoingWithout foreign exchange transaction11Electronic transfersPaper transfersSEPA 0 Other than SEPA%0.15from the amount with %min. 5 – max. 120 500.15from the amount withmin. 50 – max. 200 Please note that paper transfers between accounts of the same client number remain free.Transfers - IncomingWithout foreign exchange transaction10SEPA 0Other than SEPA%0.15SEPA 0Request for reimbursement after collection in theevent of an invalid mandate :Error originating on the side of the debtor 60Request for a copy of the mandate at the bank 30Exchange transaction :(amount of transfer in Euro or exchange value inforeign currency)%0.10Urgent transfer 10Collective paper transfer 8Non-standard paper transfer 6Cash transfer at a branch to an ING Luxembourgaccount belonging to another customer 6,20Administration fee for incomplete and/or returnedtransactions 4,50Payment refusal 25Fee for a confirmation of payment 15from the amount withmin. 5 – max. 36 Direct Debitscharged to the debtorAdditional Chargesfrom the amount withmin. 3 – max. 250 Transfer labelled « Remitter paysall charges » or « OUR » : (amount of transfer in Euro or exchange value in foreign currency) 12,500 8 12,500 25,000 25 25,000 50,000 40 50,000 100,000 80 100 100,0001211 Forforeign exchange transactions, please add the exchange rate charge mentioned on page 18.12 Fortransfers in non-EEA currencies or to non-EEA countries, the Bank reserves the right to charge the customer any charges actually deducted by correspondentbanks or claimed from the Bank by correspondent banks where these charges exceed 100 EUR.Customers will be charged a processing fee of EUR 25 plus any charges made by our correspondent bank(s) for:a)the return of funds at the request of the correspondent bank after receipt of payment by the Bank;b)any correction by the Bank of an incomplete or incorrect remittance order issued by the customer following an error or omission by the customer;c)any cancellation by the Bank of a remittance order issued by the customer.Tariff brochure for transaction services LU EN - Private Banking & Business Clients Jul y 20215
General feesCurrent AccountsAn overview of the different elements of our Current AccountsFee for Retail Banking clients - IndividualsOpening an account13Management charges14Account charges 0 0 100 125 150/quarter/client number 12/year/account/address 0 50/quarter/client number 12/year/account/address/year/ client numberFee for Financial and Patrimonial CompaniesOpening an account15Management charges16Account chargesFee for Commercial CompaniesOpening an accountManagment charges17Account chargesPledge agreements (by third parties)*Your Relationship Manager will guide you in achieving your financial goals, including implementing pledge agreements. This canentail conducting a review of providing you with standart document templates that comply with Luxembourg law, as well asassisting you in subsequent daily follow-up. Please contact your Relationship Manager for more Information about the fees.*The files must be submitted for approval to the Bank.13Applicable only for major currencies. ING Orange Account and Young Adults Current Account exist only in EUR.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 thenotice period communicated by the Bank for the closure of such account (the Termination date) – date of application as from 01/04/2020.15 EUR 2,000 for complex Financial Institutions (Trust, Offshore, Foundations, Regulated Funds, Securitisation, SCSp ).16EUR 500/quarter/client number for complex Financial Institutions (Trust, Offshore, Foundations, Regulated Funds, Securitisation, SCSp ).In case of decision by the Bank to close an account, management charges of 1250 EUR per quarter/client n will be charged for any unclosed account at the end of thenotice period communicated by the Bank for the closure of such account (the Termination date).17In case of decision by the Bank to close an account, management charges of 500 EUR per quarter/client n will be charged for any unclosed account at the end of the14notice period communicated by the Bank for the closure of such account (the Termination date).Tariff brochure for transaction services LU EN - Private Banking & Business Clients Jul y 20216
Supplements for Current AccountsAccount pseudonym : 150 0for ING Orange Account, Young Adultscurrent Accounts and Teen Account 150excl. VAT included for Young AdultsCurrent Accounts and Teen Account,N/A FOR ING Orange AccountVia My ING 0Mailing Postage fee 0.70Mail holding :/year,/client numberAccount statements :for clients 26 years : accountstatements freeDebit interest rates for current accounts without arranged overdrafts (per annum) 18Debit Interest ZK% 12% 12% 12% 10% 12% 12% 12% 12% 25% 15% 13% 14% 13% 8,25% 12%15All our credit interest rate for current accounts and savings accounts are available on our website at the address ing.lu/tar iffs.In the event of negative rates relative to some currencies, the Bank reserves the right to recover said negative interest rat es onall deposits made by customers by way of prior information in accordance with Article B.1.3 of the “General Terms andConditions of the Bank.18The ING Orange Account and the Young Adults Current Account exist only in EUR.Tariff brochure for transaction services LU EN - Private Banking & Business Clients Jul y 20217
CardsThe different costs linked to our credit and debit cards. Visit our website www.ing.lu to get more information about the serv iceslinked to the different products.Debit cards – V PAY cardsCurrent AccountING OrangeAccountYoung AdultsCurrent Account19Teen Account 15 0 0 Within the limits of the credit line%9%9%9-Exceedint the limits of the credit line%12%12%12- 75Annual Fee0Debit Interest rate20Urgent order for V PAY cardCredit cards – VisaYoung Adults19Annual FeeVisa Classic 20 0Visa CyberCard 13* 0**Visa Classic & Assistance 70 40Visa Gold 130 80Visa Business 40n.aVisa Business & Assistance 90n.aDebit Interest rate%16,80Additional charge in the case of failure tomake minimum 10% payment of the balance 101st reminder 25additional reminder 0via MY ING postagefee 0.70mailing* free for ING Orange Account holders** also available for ages 12-17Visa credit card statements19 For20/yearper year against the balance mentioned on thestatement of the 20th which has not been paid on the5th of the following monthclients aged 18-25.The standard credit line for new clients opening an ING Orange Account is EUR 0.Tariff brochure for transaction services LU EN - Private Banking & Business Clients Jul y 20218
Using our productsPay, withdraw, and deposit money Here you will find the costs linked to these services.Pay with cardsCurrent AccountING OrangeAccountYoung AdultsTeen AccountCurrent Account21Point of sale payments in EUR 0 0 0 0Non-EUR point of sale payments 0.75 0.75 0 0 1,250by defaultfrom 0 to 5,000 upon client request23With your ING Debit CardPayment limits point of sale for ING DebitCards22Payment limits point of sale for ING CreditCardsAgreed credit limit Visa account balanceCash deposit at a branch in the currency of the accountCharges 0Value DatesAll currenciesall currencies0.00D (consumer clients)D 1 (non-consumer clients)Night safeChargesThe night safe or client collection form isincomplete/incorrect 50At ING Luxembourg ATMs 0At other ATMs in EUR 0.7524At other ATMs not in EUR 4.50At ING Luxembourg ATMs 0All other withdrawals from ATMs 3.50Withdrawal at ATMsWith your ING Debit CardWith your ING Credit Card25 2.50 % of the amount drawn21For clients aged 18-25.and per period of 5 consecutive days.23 Limits can be adapted by contacting your adviser.24 Free for clients aged 12-25.25For Visa accounts with a credit balance.22 Per cardTariff brochure for transaction services LU EN - Private Banking & Business Clients Jul y 20219
Withdrawal limitsDebit Card ATM 26 2,000Visa Classic 2,500Visa Classic & Assistance 2,500Visa Business 2,500Visa Business & Assistance 2,500Visa Gold 2,500by default.from 0 to EUR 10,000 upon client request 27a weekly limit is set for the Teen Account by the legalrepresentative(s).Credit Card ATM 28Withdrawal at a branch (non-ATM) in currency of AccountAmount29 300 2.50The charges made for the cash withdrawals above apply to the Current Account, Compte Vert, Compte Epargne Junior, CompteVert Jeunes Adultes, Compte Courant Jeunes Adu
With your ING Debit Card on a Current Account in . With your ING Credit Card6 At ING Luxembourg ATMs 0 All other withdrawals from ATMs 3.50 2.50 % of the amount drawn Transfers Without foreign exchange transaction7 To ING Luxembourg Electronic transfers Paper transfers In EUR 0 0 Not in EUR % 0.15 from the amount with min. 5 – max. 120 % 0.20 from the amount .
