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.