INGOranje Spaarrekening
Instant access · ING Bank N.V. · Netherlands · Directly at the bank
Current account required
- Rate
- 1.25%
- variable
- EffectiveThe effective annual rate for €25,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The rate differs per balance tier.
- 1.10%
- for €25,000
- Your return on €25,000
- €275
- interest per year
- Deposit guarantee
- €25,000 fully protectedDutch scheme
ING Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 1 year: €275.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – €10,000 | 1.25% |
| €10,000 – €100,000 | 1.00% |
| €100,000 – €1,000,000 | 1.00% |
| €1,000,000 – and up | 0.00% |
- Tiers
- per tier (marginal)
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 18 Apr 2025
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- yes
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Rente per saldoschijf (elk deel van het saldo krijgt de rente van zijn schijf); boven € 1.000.000 0%
- Klanten met een ING Extra of ING Max betaalpakket krijgen +0,50% / +1,00% extra over het saldo tot € 10.000 (betaald pakket, niet meegerekend)
- Een ING betaalrekening is nodig
Deposit guarantee
€25,000 fully protected
Dutch scheme
ING Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Licence and verification
- Institution
- ING Bank N.V.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Nederlandse Depositogarantie (DGS) (Netherlands)
- Guarantee
- €100,000 per person per institution
- Verification
- DNB-register Nederlandse depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Taxes
- Country
- Netherlands
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
1.25% since 15 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of ING →All savings products of ING →
- 15 Sep 2026New: ING – Oranje Spaarrekening 1.25%
Rate checked on 2 Nov 2026.