ING
- Offers
- 5
- Instant access
- 1.25%
- highest effective
- Deposit
- 2.70%
- highest effective
- Deposit guarantee
- Until €100,000
- Netherlands scheme
Offers from ING
- Oranje Spaarrekening1.25% · 1.25% effective€125interest per year
- Deposit 1 year2.50% · 2.50% effective · since 14 Oct 2026€250interest per year
- Deposit 1 year2.50% · 2.50% effective · since 14 Oct 2026€250interest per year
- Deposit 3 years2.60% · 2.60% effective · since 14 Oct 2026€260per year, annualised
- Deposit 5 years2.70% · 2.70% effective · since 14 Oct 2026€270per year, annualised
Saving at ING
ING is a bank from Netherlands, supervised by DNB. You open an account with the bank itself, online.
For €10,000 we list 1 instant-access account and 4 deposits from ING, with terms from 1 year to 5 years. The best instant-access account, Oranje Spaarrekening, pays an effective 1.25% a year. The highest instant-access rate in our comparison is 3.04% right now. The best-paying deposit runs for 5 years at an effective 2.70% a year.
The lowest minimum deposit is €500. Some rates require a current account with the bank as well.
Savings at ING fall under Nederlandse Depositogarantie (DGS), the statutory deposit guarantee scheme of Netherlands, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Netherlands does not withhold tax on the interest of a saver who lives in the Netherlands.
- What is the savings rate at ING?
- At ING the highest effective annual rate for €10,000 is currently 1.25% on instant-access savings and 2.70% on a 5 years deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at ING?
- ING (ING Bank N.V.) takes part in Nederlandse Depositogarantie (DGS). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
- Do I pay withholding tax on interest from ING?
- Netherlands does not withhold tax on the interest of a saver who lives in the Netherlands.
- How do I open an account at ING?
- You open an account with the bank itself, online.
Deposit guarantee and licence
- Institution
- ING Bank N.V.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Nederlandse Depositogarantie (DGS)
- Guarantee
- €100,000 per person per institution
- Licence
- DNB B0163
- Verification
- DNB-register Nederlandse depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Recent changes
Rate historyRSS- 2 Nov 2026, 12:20 · Possibly goneING – Spaardeposito 6m missing from the source (3 runs)
- 2 Nov 2026, 12:20 · Possibly goneING – Spaardeposito 15m missing from the source (3 runs)
- 2 Nov 2026, 12:20 · Possibly goneING – Spaardeposito 9m missing from the source (3 runs)
- 19 Oct 2026, 00:07 · NewNew: ING – Spaardeposito (15 mo) 3.10%
- 19 Oct 2026, 00:07 · Rate upING – Spaardeposito (9 mo): 2.80% → 2.90%
- 19 Oct 2026, 00:07 · Rate upING – Spaardeposito (6 mo): 2.60% → 2.70%
- 14 Oct 2026, 10:16 · Rate upING – Spaardeposito (36 mo): 2.30% → 2.60%
- 14 Oct 2026, 10:16 · Rate upING – Spaardeposito (12 mo): 2.10% → 2.50%
- 14 Oct 2026, 10:16 · Rate upING – Spaardeposito (60 mo): 2.40% → 2.70%
- 14 Oct 2026, 10:16 · Rate upING – Groen Spaardeposito (12 mo): 2.10% → 2.50%
- 5 Oct 2026, 05:54 · DeactivatedING – Spaardeposito 9m not found in 12 consecutive runs; deactivated
- 5 Oct 2026, 05:54 · DeactivatedING – Spaardeposito 6m not found in 12 consecutive runs; deactivated