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EU ProtectedUpdated 26 April 2026

Oranje Spaarrekening

by ING

Interest rate
1.25%APY
Access
Instant
Protection
€100k
1.25
% APY
Best for:ING CustomersConvenienceTraditional
EU Deposit Guarantee
Protected up to €100,000

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

Rates last verified: 26 April 2026

The verdict

What we like

  • +Largest Dutch bank
  • +Seamless app integration
  • +Instant transfers to current account
  • +Reliable and stable

What to consider

  • -Low interest rate (1.25%)
  • -Requires ING current account
  • -Much better rates elsewhere
  • -Rate varies by balance tier

Account details

Standard interest rate1.25% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
1.25%
annual interest

You'll need your BSN and valid ID

Quick facts

Provider
ING
Access time
Instant
Protection
€100k guaranteed
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