INGSpaardeposito
Deposit · 3 years · ING Bank N.V. · Netherlands · Directly at the bank
Current account required
- Rate
- 2.60%
- 3 years fixed
- since 14 Oct 2026
- Your return on €25,000
- €650
- per year, annualised · €1,950 total over 3 years
- 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 3 years: €1,950.
Interest built up over 3 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €650 | €25,650 |
| 2 years | €1,300 | €26,300 |
| 3 years | €1,950 | €26,950 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.60% |
- Interest payout
- yearly, paid out
- Fees
- none
- Rate valid since
- 14 Oct 2026
- Access
- 3 years fixed · early withdrawal with loss of interest
- Term
- 3 years
- 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
- Vaste rente voor de hele looptijd
- Rente wordt aan het einde van de looptijd (1 jaar) of jaarlijks 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
| From | Rate | Until |
|---|---|---|
| 14 Oct 2026 | 2.60% | current |
| 30 Sep 2026 | 2.30% | 14 Oct 2026 |
| 15 Sep 2026 | 1.85% | 30 Sep 2026 |
All historic rates of ING →All savings products of ING →
- 14 Oct 2026ING – Spaardeposito (36 mo): 2.30% → 2.60%
- 30 Sep 2026ING – Spaardeposito (36 mo): 1.85% → 2.30%
- 15 Sep 2026New: ING – Spaardeposito (36 mo) 1.85%
Rate checked on 2 Nov 2026.