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 · 9 months · ING Bank N.V. · Netherlands · Directly at the bank
Current account required
- Rate
- 2.90%
- 9 months fixed
- since 18 Oct 2026
- EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 2.91%
- for €16,800
- Your return on €16,800
- €489
- per year, annualised · €365 total over 9 months
- Deposit guarantee
- €16,800 fully protectedDutch scheme
ING Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €16,800
Gross interest over 9 months: €365.
Interest built up over 9 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.90% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 19 Oct 2026
- Access
- 9 months fixed · early withdrawal with loss of interest
- Term
- 9 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
€16,800 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 |
|---|---|---|
| 18 Oct 2026 | 2.90% | current |
| 23 Sep 2026 | 2.80% | 18 Oct 2026 |
All historic rates of ING →All savings products of ING →
- 2 Nov 2026ING – Spaardeposito 9m missing from the source (3 runs)
- 18 Oct 2026ING – Spaardeposito found again in the source
- 18 Oct 2026ING – Spaardeposito (9 mo): 2.80% → 2.90%
- 5 Oct 2026ING – Spaardeposito 9m not found in 12 consecutive runs; deactivated
- 4 Oct 2026ING – Spaardeposito 9m missing from the source (3 runs)
- 23 Sep 2026New: ING – Spaardeposito (9 mo) 2.80%
Rate checked on 1 Nov 2026.