ING

Wala kapa ba ING? 👋😍

Pay and shop with ease, bank with no fees!

• FREE instant fund transfers and ATM withdrawals
• FREE bill payments to over 70 billers
• Two debit cards for in-store and online shopping

Start banking anytime and anywhere using just your Smartphone.

Why open an ING Pay Account?

Get all your daily transactions done

Send money instantly, pay bills, withdraw cash, shop and make payments anywhere—all with the help of one banking app.

No fees, no hard limits

Transfer funds and withdraw cash at local BancNet ATMs for free. Daily transfer limit of up to PHP 1M—the highest among local banks.

Free cards…and more!

Comes with a free ATM card, a free virtual card for online shopping, plus exciting promos you can check out here.

Your account for everyday transfers and payments

Send money instantly and for free

• Transfer funds to other banks and e-wallets via InstaPay or PESONet. Available 24/7. No transfer fees.
• Manage your daily transfer limit. Send up to PHP 1 million daily.
• Send and receive money using a QR code.

Stay on top of your bills

• Pay your credit card, insurance, and other bills using just the ING app. No enrollment needed.
• Make up to PHP 150k worth of bill payments in a day. No fees. 

Pay anywhere and access your funds with free ING Pay cards

ING Pay Virtual Card: The card for online payments

• Get it instantly when you open a Pay Account.
• Shop at any online store that accepts Visa.
• Perfect for online subscriptions like Netflix and Spotify.
• Never worry about losing your card.
• Put your card on freeze when it’s not in use.

ING Pay Debit Card: The card for cash withdrawals and in-store payments

• Withdraw cash at any local BancNet ATM or Visa ATM worldwide.
• Make in-store payments with Visa payWave.
• EMV chip-compliant to protect you from fraud.
• Put your card on freeze and set a new PIN anytime.

Ready to open a Pay Account?

To get started, you must:

• 
  Be 18 years old or above
• Be a Filipino citizen or a resident of the Philippines
• Have any of the following IDs:
• Philippine passport
• Philippine driver's license
• Unified multipurpose ID (UMID)
• Have a mobile number and an email address
• Have a proof of address

Grow your savings with up to 20x higher interest rate

• Higher interest rates vs. other traditional banks
• No minimum opening balance, no lock-in period
• Every peso earns interest, no minimum daily balance

Start banking anytime and anywhere using just your phone.

How is ING Save Account different?

No hard rules, no fees

No minimum and maintaining balance. No lock-in period and transfer fees so you can use your savings in full when you need to.

Deposit funds easily

Fund your account online via InstaPay, PESONet, or mobile check deposit. Skip the bank queues and paperwork so you can get more important things done.

Up to 20x higher interest rate

Enjoy a high interest rate of up to 2.5% p.a, plus exciting promos you can check out here.

*IMPORTANT:
Bago ka mag create ng iyong ING Account, send mo lang sa akin dito ang iyong Mobile Phone Number at Complete Name upang padadalhan kita ng Invitation Message para mag QUALIFY ka sa P500 Cas'h Reward at upang makapag download ka ng ING App.

Sample Message:

Send me your ING invitation message.

Mobile No.: <0945xxxxxxx>

Name: <Your Full Name>

Send a Message Here!

HOW TO CREATE ING ACCOUNT, CLICK HERE!

Money Mule Scams

Using a money mule is considered a type of money laundering where a person receives and moves funds that come from illegal sources like fraud and other criminal activities. Unfortunately, some money mules are actually victims who are just lured into such activity through scams. 

They are just deceived by fraudsters by offering them "easy money" and other opportunities that may seem like legitimate.

Here's how not to become a victim of Money Mule scams

1. Do not accept fund transfer or send requests from unknown person or company.
2. Do not lend or share your bank account details to anyone for moving or receiving money.
3. Never share your bank account information with unknown person or source.
4. Always think twice if an offer is too good to be true. Especially, when an offer is given in exchange of your bank account information.

Visit www.ing.com.ph/security for more Security tips.

20/80 Budgeting Rule

Many of us would have heard of the “Income – Expenses = Savings” approach to personal finances, but merely allocating the remaining amount of your income to savings will not help you reach your financial goals efficiently. We’d like to introduce you to the 20-80 budgeting rule!

20/80 Budgeting Rule

80% Needs / Wants

• 50% for needs: Bills, insurance, groceries.
• 50% for wants: Shopping, Entertainment.

20% Savings

• Deposited into high interest savings account.

Commit to savings first

Commitment is one of the key factors to successfully save and manage your money. Instead of only saving what’s left at the end of each month, be intentional and set aside 20% of your income at the start of the month to your ING Save account. This simple yet effective budgeting method ensures that you prioritize your savings and leave it to grow with 2.5% p.a. interest rate.

Maximize what you can spend

The remaining 80% of your income can be spent on your needs and wants. You can allocate this fund into 50% for needs such bills and groceries, and 30% for wants – to shop and for entertainment. This dedicated allocation allows you to focus on the essential things and minimize spending on the things that are optional.

One way you can prevent overspending is to separate this fixed spending amount into your ING Pay account. ING Pay allows you to take care of your bills and transfer funds where you need them with no transaction fees. You also get a virtual debit card for online purchases and can request for a free physical debit card so you can conveniently use it to withdraw cash at any local BancNet ATMs or pay at shops and restaurants.

Importance of budgeting

Of course, this is just a recommendation to start budgeting smart. At the end of the day, it ultimately depends on your financial situation and goals. If you can commit more than 20% to your savings, that would be even better! If you wish to commit more to your needs than wants once in a while, that is fine too. But for those who have just started earning an income, this would be a great system to follow so that you can cultivate the habit of budgeting. Over time, you can always adjust the saving and spending proportions to suit your needs.

PHP 500 Cash Reward

PHP 500 CASH REWARD | How To Earn P500 Cash Rewards for Inviting my Friends to ING?

You can invite your friends to ING and earn rewards if you have a fully verified and funded Save or Pay Account.

For you to get the cash reward of PHP 500 per successful invite, each of your invited friends must fund their fully verified ING account with at least PHP 500. Their funds must come from a deposited check or be transferred from another bank.

EXCLUSIVE FOR NEW USERS ONLY, YUNG MGA WALA PANG ING BANK ACCOUNT.

IMPORTANT REQUIREMENTS:

✔️ PRIMARY ID

(UMID, PASSPORT, DRIVERS LICENSE).

✔️ P500 pang Deposit or Cash-In

(Hold or Save it 3-5days).

✔️ Mobile Phone Number 

(need mo e-send sa'kin cp number para makapag generate ako referral text from ING at isi-send ko sayo. 

Message me for those who interested  to join the ING promotion 😊 at the same time para makapag create ng ING BANK Account na walang Initial Deposit Require, No FEES, No Maintaining Balance Require To Earn Interest.

Chat/Text mo sakin ang iyong:

✅️ First Name at Last Name:

✅️ Mobile Phone No.:

Then, SEND Mo Sa'kin Dito!

*IMPORTANT:

WALANG REWARD kung walang referral text o kung walang invitation message galing sa'kin.

ING PAY | Pay and shop with ease, bank with no fees!

• FREE instant fund transfers and ATM withdrawals
• FREE bill payments to over 70 billers
• Two debit cards for in-store and online shopping

Start banking anytime and anywhere using just your Smartphone.

Why Open an ING Pay Account?

Get all your daily transactions done

Send money instantly, pay bills, withdraw cash, shop and make payments anywhere—all with the help of one banking app.

No fees, no hard limits

Transfer funds and withdraw cash at local BancNet ATMs for free. Daily transfer limit of up to PHP 1M—the highest among local banks.

Free cards…and more!

Comes with a free ATM card, a free virtual card for online shopping, plus exciting promos you can check out here.

ING SAVE | Grow your savings with up to 20x higher interest rate

• Higher interest rates vs. other traditional banks
• No minimum opening balance, no lock-in period
• Every peso earns interest, no minimum daily balance

Start banking anytime and anywhere using just your phone.

How is ING Save Account different?

No hard rules, no fees

No minimum and maintaining balance. No lock-in period and transfer fees so you can use your savings in full when you need to.

Deposit funds easily

Fund your account online via InstaPay, PESONet, or mobile check deposit. Skip the bank queues and paperwork so you can get more important things done.

Up to 20x higher interest rate

Enjoy a high interest rate of up to 2.5% p.a, plus exciting promos you can check out here.   

 

Message me for those who interested  to join the ING promotion 😊 at the same time para makapag create ng ING BANK Account na walang Initial Deposit Require, No FEES, No Maintaining Balance Require To Earn Interest.

Chat/Text mo sakin ang iyong:

✅️ First Name at Last Name:

✅️ Mobile Phone No.:

Then, SEND Mo Sa'kin Dito!

*IMPORTANT:

WALANG REWARD kung walang referral text o kung walang invitation message galing sa'kin.

How To Deposit A Check

Deposit A Check

Need to deposit your check but can't go to the bank? Here's how you can do it at the convenience of your home! 

1. Open the ING app and select the account (Save or Pay) you want to deposit to

1. Tap "Deposit".
2. Tap "Deposit a Check".
3. Take note of the guidelines then tap "Start Deposit".  

Note: Check deposit is only available from 1:00 am to 3:30 pm on banking days.

2. Take a photo of your check

Before you start, make sure your check is ready.

Front of the check

• The check must be issued in your name and must match your account name.
• The check must be issued by a local bank or a foreign bank branch in Philippine Peso (PHP).
• The amount on the check must be below PHP 500,000.00.
• The date on the check must be less than 180 days ago.

Back of the check

Write the following legibly.

• Your ING account number
• Date of deposit
• Your signature
• Our bank name: “ING Bank N.V.”

Tips

• Place your check against a dark background.
• Make sure the photo of your check is clear, not too bright, and not covered by any glare or shadow.
• Make sure all the details on your check are captured in the photo and are readable.

3. Select the correct issuing bank of the check

For manager’s check

• If the account name is blank, you may put “none”.
• If the bank name is written, you may copy it.
• If the account number is blank, you may put “none”. If there are “0” (zeroes) written, write it as is “0”.

4. Enter the needed check deposit details

Take note

• “BPI” is different from “BPI Family Savings” and “BPI Direct Savings Bank”.
• “BDO“ is different from “BDO Private Bank“.
• “HSBC“ is different from “HSBC Savings Bank Philippines“.
• “PNB“ is different from “PNB Savings Bank“.
• “RCBC“ is different from “RCBC Savings Bank“.
• “UCPB“ is different from “UCPB Savings Bank“.

5. Check the app to know the status of your deposit

You can see the status on the dashboard. We’ll also send you an in-app message once it is updated.

Check deposit statuses

• For Clearing

Your check was accepted by ING and is on its way to the Philippine Clearing House Corporation (PCHC).

• Rejected

Checks are rejected if they are unreadable, stale, altered, missing important details, or if they contain conflicting information.

• Returned

Checks are returned if they are drawn against insufficient funds (DAIF), drawn against uncollected deposits (DAUD), or if they have unauthorized signatories.

• Cleared

Your funds are already available!

Watch this video to learn how to deposit a check to your ING account.

Deposit From Other Banks

Deposit from any banks or e-wallets that use InstaPay or PESONet

InstaPay

• Real-time deposit
• Available 24/7
• Subject to transfer limits set by the sending bank

See InstaPay banks & e-wallets

PESONet

• Same-day deposit if done before the sending bank’s cutoff time
• Available on banking days
• Subject to cutoff times and transfer limits set by the sending bank

See PESONet banks & e-wallets

Banks may have varying cutoff times, transfer limits and other fund transfer requirements.

If your bank does not allow InstaPay or PESONet transfers to ING, you can contact your bank's support team directly. You can also call the BSP Financial Consumer Protection Department at (02) 8708-7087, or send an email to consumeraffairs@bsp.gov.ph for questions and feedback.

How to pay your bills with ING

How to pay your bills with ING

1. Open the ING app and go to your Pay Account
2. Tap “Transfer/Pay” and select “Pay Bills”
3. Choose the correct biller
• You can see all our available billers here.
4. Enter the required details and confirm your payment.

Watch this video to learn how to pay your bills using the ING app.

Who is ING?

Who is ING?

We are a global bank with presence in more than 40 countries, serving more than 38.4 million customers worldwide. Globally known as a pioneer in branchless banking, we have been operating in the Philippines since 1990 and have a universal banking license that lets us offer retail and wholesale banking services in the country.

As a global bank, ING believes all sustainable progress is driven by people and businesses with the imagination and determination to improve the future for themselves and those around them. Our purpose is to empower them to realise these dreams – however modest or grand.

Our purpose guides us in everything we do. Therefore we promise our customers to make banking clear and easy, available anytime and anywhere, and to keep getting better.

Global financial institution

ING operates in more than 40 countries across Europe, Asia and the Americas. Our corporate headquarters are in Amsterdam.

We have been in the Philippines since 1990, providing wholesale banking services to international and local corporations. We were the first foreign bank to become a universal bank. In 2013, we started ING Business Shared Services, Inc. which supports our banking operations across the world.  

 

> Know More

Pioneer in direct banking

Banking without having to go to a bank became a successful concept in the Netherlands at the end of the 1990s.

ING introduced the concept in other countries in 1997 as ING Direct, a bank without branches that offered attractive savings accounts and other retail banking products. Today, we offer direct banking in 13 out of 40 countries that we are present in.

Most recommended bank

We are committed to deliver a superior banking experience to 38 million customers worldwide. And this makes us the most recommended bank in Australia, Germany, Spain and many more.

Contributing to a sustainable world

Being sustainable is not just about reducing our environmental footprint. As a bank, we believe our role is to facilitate and finance society’s shift to sustainability.

Our shares are included in the FTSE4Good index and in the Dow Jones Sustainability Index (Europe and World), where ING is among the leaders in the Banks industry group.

> Know More

Engaging employees

We believe there is a direct link between employee engagement, business performance and delivering superior customer experience. That makes us one of the world's leading employers by both the Top Employers Institute and Great Place to Work.

> Global Jobs Post

Where we are

Taguig

19th Floor, World Plaza Building, 5th Ave., Bonifacio Global City, 1634 Taguig City, Metro Manila, Philippines

> View in Google Maps

22nd Floor, Arthaland Century Pacific Tower, 5th Avenue cor 30th Street, Bonifacio Global City, 1634 Taguig City, Metro Manila, Philippines

> View in Google Maps

5 Ways To Make Saving More Fun

Saving money isn’t usually high up on people’s list of fun things to do, and it clearly doesn’t set off the brain’s reward system as much as spending does.

Although with a little help from technology and your mobile banking app, you can definitely hack your brain to turn you into a more willing saver in no time. 

Here are five top tips to start with:

1. Be more mindful of your money, It’s your money and you want to enjoy it — that’s okay but avoid making financial decisions that you might regret in the long run. Take control of your funds by setting up an account at an all-digital bank like the ING Savings Account. You can bank on your smartphone without the endless temptations of dipping into your savings when you use an ATM card.
2. “Payday, Save day”. Every payday, set aside a certain amount and move it seamlessly to your ING account via interbank fund transfers or mobile check deposits, a local first. Doing this will help you to feel more in control about your financials and avoid spending beyond your means.
3. Take on a challenge from time to time. Once you get home from work or a quick errand, put all your 5- or 10-peso coins in a jar. You may also accumulate them so they can serve as your emergency fund. How about a little weekly challenge where you put aside P100 the first week of the month, P200 the second week, and so on? Saving can be a good push and a way to nurture your sense of determination.
4. Turn into a ‘deals diva’ and ‘purchase police’ in one. Take advantage of your credit card’s seasonal discounts or rebates on grocery shopping. It’s cheaper to eat or shop at certain establishments on certain times of the day or week so keep an eye on offers and special plates. Don’t forget to check out price slashes at your favourite gas station, too. While you’re at it, create a mandatory waiting period for new purchases, such as delaying it for seven full days so you can take a breather, think clearly, and prevent another regretful buy.
5. Get a savings buddy. This could be a friend or a relative who can join you in your #fundsforthefuture goals — someone whom you can chat or e-mail with every week to track or discuss your progress. You can even have fun together with a little challenge, such as whoever saves the most on a given month has to buy dinner or pay for a movie. Your savings buddy can also be a budgeting app that prompts you to live within your means, helps you strategize in smart gifting or creative debt repayment, or prunes your expense list with intuitive features.

In your personal mission to save, make sure your bank is on your side. For an EXTENDED period, ING still offers a 4.0% interest rate per annum (p.a.) for balances of up to P10 million. Existing customers and newly-opened accounts will enjoy this high interest rate. 

This is an increase from its previous 2.5% rate p.a. and is over 10 times higher than rates currently offered by other savings products in banks. With this much interest rate, you get more from your hard-earned money and don’t feel your savings fund is just sitting idly by until you need to dip into it.

*IMPORTANT:

Send me your Full Name at ang Mobile Phone Number mo upang padalhan kita sa text ng INVITATION MESSAGE para mag qualify ka sa ₱500 Cash Reward for new accounts! 💸🤑

5 Tips To Stay Safe & Healthy At Home

There’s no denying that the pandemic is constantly changing our day to day lives. A lot of us feel anxious and overwhelmed, and this may take its toll on our physical and mental health. To help put you in a more positive position, we gathered five ways on keeping your body and mind strong throughout the day:

Start your mornings with a routine.

Flexibility and the ability to adapt in this ever-changing situation is something we’ve mastered along the way, but that comes at the expense of putting a halt to our previously established routines. To better care for your social and emotional well-being, it may help to build and maintain a new pandemic routine—even just as you start your mornings and ease into your to-do list. Having this lets you regain a sense of normalcy and structure and gives you a feeling of certainty and being in control.

Start with simple activities, like spending the first 30 minutes of your day doing indoor exercises or reading a book. You can also add regular online meetups with your friends and families in your routine to keep your social life active.

Live a healthy life.

The best defense to any sickness is our overall well-being. It’s important to keep ourselves physically fit even though we’re just staying at home. Consume more fruits and vegetables and try to stay away from processed food. You can do simple adjustments at home, like opening your windows in the morning so you can enjoy the sun for more Vitamin D.

Pick up a hobby or two.

Whether it be your job, school, or just regular housework, tending to your everyday responsibilities may take a toll on your well-being. When things get stressful and there’s already a feeling of burnout, don’t hesitate to just do your thing! It helps to have hobbies or pursue passion projects to serve as a relaxing outlet and bring along a sense of happiness and accomplishment that’s personal and uniquely you.

Power your mind through meditation.

With everything happening around us, your mind may feel like it’s constantly running a marathon. Taking a moment for meditative peace and breathing exercises can help give your brain a chance to slow down, unwind, and relax.

Spend some time doing meditation exercises, like deep-breathing, yoga meditation, and other relaxation exercises.

Cut out the clutter.

It’s been said that reducing clutter helps reduce overall stress. Too much distraction and visual stimulation can take up space not just in one’s home, but also in one’s mind, so make sure to purge unnecessary things and make space only for what’s essential. This is also applicable in what we choose to stay on our phone. It’s important to streamline the services and choose only the apps that you need for your day to day!

Multifunctional apps like ING help you save on time by letting you do multiple tasks easily. When you open a digital account with ING, you can get access to both ING Save and ING Pay services.

With ING Save, you can enjoy a high interest rate of 4.0% p.a for the first four months if you open an account until September 30, 2021.

You can also manage your payments from the comfort of your home—without those pesky transaction fees—through ING Pay. It’s simple, easy, and convenient, so you can do your thing with less clutter and distractions! You can pay your bills to up to 80 merchants, use your ING Pay VISA Debit Card for online transactions, and transfer money to any banks for free via InstaPay!

In times like these, it’s important to keep your mind and body as strong as they can be. Follow these tips to have a more optimistic outlook as we wait for better days to come!

Got other tips on how to perk up your physical and mental well-being? Share it online with the hashtag #DoYourThing!

*IMPORTANT:

Send me your Full Name at ang Mobile Phone Number mo upang padalhan kita sa text ng INVITATION MESSAGE para mag qualify ka sa ₱500 Cash Reward for new accounts! 💸🤑

How do I Invite my Friends

How do I invite my friends to ING and earn rewards?

To invite your friends to ING and earn rewards, you’ll first need to make sure your Save or Pay Account is fully verified and funded. After that, you’ll have to sync your contacts.

Sync your contacts

Syncing your contacts lets you see your phone contacts in the app. Here’s how to do it.

1. Open the ING app and tap the My Contacts icon on the bottom menu.

2. Scroll down and tap Continue to allow ING to access your contacts and agree to Invite Friends’ Terms and Conditions.

3. Tap OK to confirm that you want to sync your contacts.

Send an invite

Once your contacts are synced, you’ll be able to invite your friends to ING. It’s easy!

1. Tap the name of the friend you want to invite.

2. Tap Invite.

3. Tap Send Invite.

4. Select the messaging app where you want to send the invite we made for your friend.

5. Send the invite!

☝️Remember!

• Don’t copy an invite and send them to others. To invite more friends, go back to your contact list and follow the steps for sending invites.

• Tell yo0ur friend to use the mobile number where you sent the invite in opening an account.

• Invites expire 90 days after they are created.

How To Open an Account?

ING Save & ING Pay

What is the difference between ING Save and ING Pay?

An ING Save Account lets you earn interest on top of the funds you keep in it.

With an ING Pay Account, you get the ability to pay your bills using the app and send money to other banks and e-wallets instantly. It also comes with a FREE virtual card and a debit card, which you can use to make payments online and in-store.

It’s best to have both accounts so you can grow your savings and make hassle-free transactions every day.

Was this helpful?

PS: Bago ka mag create ng iyong ING Account, send mo lang sa akin dito ang iyong Mobile Phone Number at Complete Name upang padadalhan kita ng Invitation Message para mag QUALIFY ka sa P500 Cas'h Reward at upang makapag download ka ng ING App.

Sample Message:

Send me your ING invitation message.

Mobile No.: 0945xxxxxxx.

Name: your name

Click Here to Send a Message!