Company: INGVF
Filing Date: 2025-09-04
Form Type: 424B5
Source: 0001193125-25-196042
Chunk: 233

Company: ING GROEP NV
Filing Date: 2025-09-04
Form: 424B5
Chunk 233
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 your prospectus supplement and this prospectus, your prospectus supplement will control. Thus, the statements we make in this section may not apply to your capital securities. Holders of capital securities have no voting rights except as explained in this section below under “—Modifications of the Capital Securities Indenture,” “—Events of Default,” “—Trustee’s Duties” and “—Limitation on Suits.” Principal and Interest The relevant prospectus supplement will specify the date on which we will pay interest, if any, the date, if any, for payments of principal and any premium, if any, on any particular series of capital securities. -50-

The Capital Securities Indenture The capital securities are governed by a document called an indenture, which is a contract between us and The Bank of New York Mellon, which will initially act as trustee. The indenture does not limit our ability to incur additional indebtedness, including capital securities and additional senior indebtedness. The trustee under the indenture has two main roles:

| • |     | first, the trustee can enforce your rights against us if we default. There are some limitations on the extent to 
 which the trustee acts on your behalf, which we describe later under “— Limitations on Suits”; and               |

| • |     | second, the trustee performs administrative duties for us, such as sending you interest payments and notices. |

See “— Our Relationship with the Trustee” below for more information about the trustee. The indenture and its associated documents, including any supplemental indenture and your capital securities, contain the full text of the matters described in this section and the other terms described in your prospectus supplement. A copy of each indenture has been filed with the SEC as part of our registration statement. See “Available Information” above for information on how to obtain a copy. When we refer to the indenture or the trustee with respect to any capital securities, we mean the indenture including any supplemental indenture, and the trustee under that indenture. Agreement and Acknowledgment with Respect to the Exercise of Dutch Bail-inPower With a view to Article 55 of the Directive 2014/59/EU of the European Parliament and of the Council (the “ Bank Recovery and Resolution Directive” or “ BRRD”), we have included the following two paragraphs in the terms of the capital securities:

| (a) | Notwithstanding any other agreements, arrangements or understandings between us and any holder or beneficial                                                                                                                                                                                                                                                                                                                                   
 holder of