Oranje Spaarrekening

ING savings account integrated with your payment account. Convenient but rate is low at 1.25%. Best for convenience, not returns.

Best for: ING Customers, Convenience, Traditional

Standard rate

1.25% a year, up to €10,000

With ING Extra

1.75% · 0.50% extra on the first €10,000 (1.75% in total) with the ING Extra package (€15.99 a month); above €10,000 the normal rate. · Not re-confirmed since 5 October 2026.

With ING Max

2.25% · 1.00% extra on the first €10,000 (2.25% in total) with the ING Max package (€44.99 a month); above €10,000 the normal rate. · Not re-confirmed since 5 October 2026.

€10,000 to €1,000,000

1.00% · Balance from €10,000 to €1,000,000. ING doesn’t say whether it applies to the whole balance or only that part. · Not re-confirmed since 5 October 2026.

Above €1,000,000

0.00% · No interest above €1,000,000. · Not re-confirmed since 5 October 2026.

Fixed terms and notice accounts from ING

Separate products: more interest for money you can’t take out when you want.

ING Spaardeposito, 12 months

2.10% · Fixed for the term (rates from 1 October 2026), one deposit of at least €500, no top-ups. Needs an ING current account. · Not re-confirmed since 5 October 2026.

ING Groen Spaardeposito, 12 months

2.10% · Green deposit: fixed for one year, from €5,000. · Not re-confirmed since 5 October 2026.

ING Spaardeposito, 3 years

2.30% · Fixed for the term (rates from 1 October 2026), one deposit of at least €500, no top-ups. Needs an ING current account. · Not re-confirmed since 5 October 2026.

ING Spaardeposito, 5 years

2.40% · Fixed for the term (rates from 1 October 2026), one deposit of at least €500, no top-ups. Needs an ING current account. · Not re-confirmed since 5 October 2026.

Rates other than the standard rate checked on ING’s own pages on 5 October 2026: source 1, source 2, source 3, source 4, source 5. They change often; check the provider before you open an account.

Minimum deposit

None required

Maximum deposit

No limit

Withdrawal access

Instant accessNot re-confirmed since 4 October 2026: check with the provider before you apply.

What it is

savings accountNot re-confirmed since 4 October 2026: check with the provider before you apply.

Deposit protection

Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).Not re-confirmed since 4 October 2026: check with the provider before you apply.

BSN

Required: Open the ING current account with ID and add your BSN within 90 days.Not re-confirmed since 4 October 2026: check with the provider before you apply.

Who can open it

Needs an ING current account (comes with it free).Not re-confirmed since 4 October 2026: check with the provider before you apply.

The deposit guarantee follows the bank’s licence, not where you live: up to €100,000 per person per bank, under the scheme of the country that licensed it.