Possibly no longer offered. We last saw this product on 1 Nov 2026; below is the last known rate and the history. See the current offers
What pays the most now
INGSpaardeposito
Deposit · 15 months · ING Bank N.V. · Netherlands · Directly at the bank
Current account required
- Rate
- 3.10%
- 15 months fixed
- Your return on €25,000
- €775
- per year, annualised · €969 total over 15 months
- 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 15 months: €969.
Interest built up over 15 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.10% |
- Interest payout
- yearly, paid out
- Fees
- none
- Rate valid since
- 19 Oct 2026
- Access
- 15 months fixed · early withdrawal with loss of interest
- Term
- 15 months
- Minimum deposit
- €500
- Maximum deposit
- not stated
- Current account required
- yes
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Tijdelijke actie: alleen te openen t/m 01-11-2026
- Vaste rente voor de hele looptijd
- Rente wordt aan het einde van de looptijd op de Oranje Spaarrekening gestort; eerder opnemen kost een vergoeding
- Een ING betaalrekening en Oranje Spaarrekening zijn 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
3.10% since 18 Oct 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 →
- 2 Nov 2026ING – Spaardeposito 15m missing from the source (3 runs)
- 18 Oct 2026New: ING – Spaardeposito (15 mo) 3.10%
Rate checked on 1 Nov 2026.