Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 242

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 242
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 agent. We must notify the trustee of changes in the paying agents. Unclaimed Payments Regardless of who acts as paying agent, all money paid by us to a paying agent that remains unclaimed at the end of two years after the amount is due to a holder will be repaid to us. After that two-yearperiod, the holder may look only to us for payment and not to the trustee, any other paying agent or anyone else. Payment of Additional Amounts with Respect to the Capital Securities Unless otherwise indicated in your prospectus supplement, all amounts of principal of, and any premium and interest on, any capital securities will be paid by ING Groep N.V. or any successor thereof without deduction or withholding for any taxes, assessments or other charges imposed by the government of The Netherlands, or the government of a jurisdiction in which a successor to ING Groep N.V. is organized or resident for tax purposes, unless such deduction or withholding is required by applicable law. If deduction or withholding of any of these charges is required by The Netherlands, or by a jurisdiction in which a successor to ING Groep N.V. is organized or resident for tax purposes, ING Groep N.V. or such successor, as the case may be, will pay as additional interest any additional amounts necessary to make the net amount paid to the affected holders equal the amount the holders would have received in the absence of the deduction or withholding. However, additional amounts will not be paid for:

| • |     | the amount of any tax, assessment or other governmental charge imposed by any taxing authority of or in the 
 United States;                                                                                              |

| • |     | the amount of any withholding or deduction that will be required to be made pursuant to the Dutch Withholding Tax 
 Act 2021 (Wet bronbelasting 2021);                                                                                |

| • |     | the amount of any tax, assessment or other governmental charge which is only payable because: |

| • |     | a connection, other than the holding or ownership of the capital security or the receipt of interest and                                                                  
 principal thereon, exists between the holder and The Netherlands (or such jurisdiction in which a successor to ING Groep N.V. is organized or resident for tax purposes); |

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| • |     | the holder presented the capital security for payment (where presentation is required) more than 15 days after 
 the date on which the relevant payment became due or was provided for, whichever is later;                     |

| • |     |