If you have set up Automatic VAT Savings, at the end of each day we will use the selected VAT percentage to calculate the savings amount of all incoming transactions, and transfer this savings amount to your Zakelijke Oranje Spaarrekening.
Example
We only look at processed payments. Sometimes it can take a workday until a payment is processed. Then the Automatic VAT Savings will happen the next day. Read the frequently asked questions for more information.
You are in control
What do you want to, and can you save? That’s completely up to you. You can always turn Automatic VAT Savings on or off.
Don’t worry
Is your balance too low at the end of the day to set aside the total savings amount? Then we will not transfer this amount, unless you have a Business overdraft with us.
Please note: you won’t receive a notification about this.
Usual costs
For current payment rates and charges, view our overview: Rates for Business Transaction Services
Option 1: Set up Automatic VAT Savings via Smart Savings
Option 2: Set up Automatic VAT Savings via your Current account
Go to your Zakelijke Oranje Spaarrekening and click ‘Smart Savings’. There you can:
You might end up with a negative balance through Automatic VAT Saving if you have a Business overdraft with ING. The costs you pay for using Business overdraft are significantly higher than the interest you earn on your savings account. In that case, using Business overdraft will cost you money. It may therefore be wiser to transfer the saved amount back to your current account yourself. If you don’t have a Business overdraft with ING and your account balance reaches zero, or if you have reached your overdraft limit, we will not debit Automatic VAT Saving from your current account.
Tip: Enable push notifications in the app and set €0 as your limit. This way, you will immediately know when your balance drops below zero.
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Yes, you can also set it up or adjust it via the ING App:
Or via
Products:
Yes, authorised users with payment rights may set up, adjust and stop Automatic VAT Savings.
"},"title":"Can I set up Automatic VAT Savings if I am an authorised user with payment rights?"},{"richBody":{"value":"No, you need a Zakelijke Oranje Spaarrekening to use Automatic VAT Savings.
"},"title":"Can I set up Automatic VAT Savings without a savings account?"},{"richBody":{"value":"No, you need an ING package in order to use Automatic VAT Savings.
"},"title":"Can I set up Automatic VAT Savings without an ING package?"},{"richBody":{"value":"No, authorised users without payment rights cannot set up Automatic VAT Savings.
"},"title":"Can I set it up if I am an authorised user without payment rights?"},{"richBody":{"value":"No, you can only set it up for one ING current account.
"},"title":"Can I set up Automatic VAT Saving sfor more than one current account?"},{"richBody":{"value":"This means you have already set up Automatic VAT Savings before. You can find it via ‘Smart Savings’ on your Zakelijke Oranje Spaarrekening, even if you have previously turned it off.
"},"title":"Why do I get an error message saying “Sorry, this isn’t possible”?"},{"richBody":{"value":"If your balance is €0 at the end of the day, the savings amount will not be transferred. This is assessed daily. Once there is sufficient balance again, savings will resume.
Earlier rejected savings transfers are not executed automatically. You can do this manually:
Yes, that is possible. Therefore, always check your account balance regularly.
A useful tool is the minimum balance notification. When your balance drops below your chosen amount, you will receive a digital alert. You can set this via push notifications.
You only see the savings account and savings goals linked to the Current account you selected. You can always create a separate savings goal for Automatic VAT Savings.
"},"title":"Why don’t I see all savings goals in the list?"},{"richBody":{"value":"Automatic VAT Savings will stop immediately.
"},"title":"What happens if I turn it off halfway through the day?"},{"richBody":{"value":"All incoming transactions will be settled using the most recently changed VAT rate.
"},"title":"What if I change the VAT percentage halfway through the day?"},{"richBody":{"value":"The change takes effect immediately. The next savings transfer will go to the newly linked savings account.
"},"title":"What if I change the linked savings account halfway through the day?"},{"richBody":{"value":"Only processed transactions are included. Card or mobile payments usually take one business day. iDEAL payments are often processed immediately. If you see “reservation”, the amount will most likely be saved the next day.
"},"title":"Why haven’t payments from yesterday been processed?"},{"richBody":{"value":"No, it only looks at incoming transactions.
"},"title":"Does Automatic VAT Savings also apply to outgoing transactions?"},{"richBody":{"value":"There are no additional fees for this tool. Standard payment fees apply. Check the current rates in our tariff overview.
"},"title":"What does Automatic VAT Savings cost?"},{"richBody":{"value":"This tool only looks at incoming transactions on the selected Current account. It does not consider deductible VAT or other adjustments.
"},"title":"Why is there a difference between my saved VAT balance and my VAT declaration?"},{"richBody":{"value":"The transfer is executed during the night.
"},"title":"At what time is the savings transfer executed?"},{"richBody":{"value":"Yes, the saved balance is always freely withdrawable.
"},"title":"Is the saved balance freely withdrawable?"}],"componentType":"accordion"},{"componentType":"accordion"},{"componentType":"accordion"}]},"hasMacro":false,"id":"fd409672-8659-4cdf-8322-59a50adc17b2","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Business savings accounts","url":"/en/business/savings"}},"componentType":"productHeader","coreHeader":{"body":"Do you want to deal with your VAT declaration without any worries? Or effortlessly build up a buffer for your VAT declaration? Save money automatically as soon as money comes in on your account. This way, you are well prepared and you are not in for any surprises. Simple, effective, carefree.","headerImage":{"extension":"png","original":"https://assets.ing.com/m/75f3d8a869e0b2ea/original/Rond-af-Spaar-Brand-campaign-2025-Q3-Header-v2.png","transformBaseUrl":"https://assets.ing.com/transform/41986d02-801c-4ef4-a0a3-9f7abec92901/Rond-af-Spaar-Brand-campaign-2025-Q3-Header-v2","type":"image","width":806},"promoStickerLayout":"None","subtitle":"Set money aside daily for your VAT declaration","title":"Automatic VAT Savings"},"usps":[{"body":"Automatically set money aside","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Choose your preferred VAT percentage","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Receive interest on your balance","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}}]},"publishDate":"2026-05-11T13:27:46.065+02:00"}}