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EXHIBIT 23(d)
[LETTERHEAD OF ERNST & YOUNG]
CONSENT OF INDEPENDENT AUDITORS
We consent to the references to our firm under the captions 'Summary - ING
Summary Selected Consolidated Financial Data', 'Selected Consolidated Financial
data of ING' and 'Experts' and to the use of our report dated March 16, 2000, in
the Registration Statement (Form F-4) and related Prospectus/Proxy Statement of
ING Groep N.V., filed on June 27, 2000.
Amsterdam, The Netherlands
June 27, 2000
/s/ Ernst & Young Accountants
