What is the savings rate at ING?

At ING the highest effective annual rate for €50,000 is currently 1.05% on instant-access savings and 2.20% 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.

ING

ING Bank N.V. · Netherlands · supervised by DNB

Website

Offers: 5
Instant access: 1.05%; highest effective
Deposit: 2.20%; highest effective
Deposit guarantee: Until €100,000; Netherlands scheme

Offers from ING

Your amount€Calculated over

Product	Type	Rate	Effective	Your return
Oranje Spaarrekening	Instant access	1.25%	1.05%	€525 interest per year	Details
Spaardeposito	Deposit · 1 year	1.65%	1.65%	€825 interest per year	Details
Groen Spaardeposito	Deposit · 1 year	1.60%	1.60%	€800 interest per year	Details
Spaardeposito	Deposit · 3 years	1.85%	1.85%	€925 per year, annualised	Details

Saving at ING

ING is a bank from Netherlands, supervised by DNB. You open an account with the bank itself, online.

For €50,000 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 1.05% a year. The highest instant-access rate in our comparison is 3.03% right now. The best-paying deposit runs for 5 years at an effective 2.20% 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 €50,000 is currently 1.05% on instant-access savings and 2.20% 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 depositogarantie
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
source ↗ · 2 Sep 2026

Recent changes

Rate history RSS

15 Sep 2026, 21:31 · NewNew: ING – Groen Spaardeposito (12 mo) 1.60%
2 Sep 2026, 09:48 · NewNew: ING – Spaardeposito (12 mo) 1.65%
2 Sep 2026, 09:48 · NewNew: ING – Spaardeposito (36 mo) 1.85%
2 Sep 2026, 09:48 · NewNew: ING – Spaardeposito (60 mo) 2.20%
2 Sep 2026, 09:48 · NewNew: ING – Oranje Spaarrekening 1.25%