Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 308

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 308
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| • |     | your debt security’s adjusted issue price as of the beginning of the final accrual period. |

Acquisition Premium. If you purchase your debt security for an amount that is less than or equal to the sum of all amounts, other than qualified stated interest, payable on your debt security after the purchase date but is greater than the amount of your debt security’s adjusted issue price, as determined above under “— General,” the excess is acquisition premium. If you do not make the election described below under “— Election to Treat All Interest as Original Issue Discount,” then you must reduce the daily portions of OID by an amount equal to:

| • |     | the excess of your adjusted basis in the debt security immediately after purchase over the adjusted issue price 
 of the debt security, divided by:                                                                               |

| • |     | the excess of the sum of all amounts payable, other than qualified stated interest, on the debt security after 
 the purchase date over the debt security’s adjusted issue price.                                               |

Pre-IssuanceAccrued Interest. An election may be made to decrease the issue price of your debt security by the amount of pre-issuanceaccrued interest if:

| • |     | a portion of the initial purchase price of your debt security is attributable to 
 pre-issuance accrued interest;                                                   |

| • |     | the first stated interest payment on your debt security is to be made within one year of your debt 
 security’s issue date; and                                                                         |

| • |     | such payment will equal or exceed the amount of pre-issuance accrued 
 interest.                                                            |

If this election is made, a portion of the first stated interest payment will be treated as a return of the excluded pre-issuanceaccrued interest and not as an amount of interest payable on your debt security. Debt Securities Subject to Contingencies Including Optional Redemption. Your debt security is subject to a contingency if it provides for an alternative payment schedule or schedules applicable upon the occurrence of a contingency or contingencies, other than a remote or incidental contingency, whether such contingency relates to -100-

payments of interest or of principal. In such a case, you must determine the yield and maturity of your debt security by assuming that the payments will be made according to the payment schedule most likely to occur if:

| • |     | the timing and amounts of the payments that comprise each payment schedule are known as of the issue date; and |

| • |     | one of such