Company: INGVF
Filing Date: 2025-03-20
Form Type: 424B5
Source: 0001193125-25-058308
Chunk: 82

Company: ING GROEP NV
Filing Date: 2025-03-20
Form: 424B5
Chunk 82
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 SEC. This prospectus, the related prospectus supplements and certain documents incorporated by reference herein or therein may contain inactive textual addresses to internet websites operated by us and third parties. -7-

Reference to such websites is made for information purposes only, and information found at such websites is not incorporated by reference into this registration statement. ING does not make any
representation or warranty with respect to the accuracy or completeness of, or take any responsibility for, any information found at any websites operated by third parties. ING specifically disclaims any liability with respect to any information
found at websites operated by third parties. ING cannot guarantee that websites operated by third parties remain available following the filing of this prospectus, the related prospectus supplements and certain documents incorporated by reference
herein or therein or that any information found at such websites will not change following the filing of this prospectus, the related prospectus supplements and certain documents incorporated by reference herein or therein. Many of those factors are
beyond ING’s control.

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ABOUT THIS PROSPECTUS

This prospectus is part of a registration statement that we filed with the SEC utilizing a shelf registration process. Under this shelf
process, we may sell any combination of the securities described in this prospectus in one or more offerings. This prospectus provides you with a general description of the securities we may offer. Each time we sell securities, we will provide one
or more prospectus supplements that will contain specific information about the terms of those securities and their offering. The prospectus supplement may also add, update or change information contained in this prospectus. You should read both
this prospectus and any accompanying prospectus supplement, together with the additional information described under the heading “Available Information”, carefully before you invest.

Unless otherwise specified in this prospectus, references to “ING Groep N.V.” or “we,” “our” and “us”
are to ING Groep N.V., the holding company incorporated under the laws of The Netherlands, and not to its consolidated subsidiaries; references to “ING,” “ING Group” or the “Group” are to ING Groep N.V. and its
consolidated subsidiaries; references to “ING Bank” are to ING Bank N.V., together with its consolidated subsidiaries. ING Groep N.V.’s primary banking subholding is ING Bank N.V.

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RISKS RELATING TO OUR DEBT SECURITIES AND CAPITAL SECURITIES

Your investment in our debt securities and