{"type":"document","data":{"id":"33af2cae-9971-47b1-ae16-795db7e4e392","localeString":"en-GB","publishDate":"2026-03-13T21:47:17.415+01:00","contentType":"onecms:productPage","hasMacro":true,"macros":["Zakelijke.SpaarrentesENG:rente.basis.totenmet10k","Zakelijke.SpaarrentesENG:rente.basis.boven10ktotenmet25k","Zakelijke.SpaarrentesENG:rente.basis.boven25ktotenmet100k","Zakelijke.SpaarrentesENG:rente.basis.boven100ktotenmet1M","Zakelijke.SpaarrentesENG:rente.basis.boven1Mtotenmet2en5M","Zakelijke.SpaarrentesENG:rente.basis.boven2en5Mtotenmet5M","Zakelijke.SpaarrentesENG:rente.basis.boven5Mtotenmet10M","Zakelijke.SpaarrentesENG:rente.basis.boven10M"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"With the Business Orange Savings Account you can create and manage goals for expected and unexpected expenses."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Easily create and manage goals yourself","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}},{"body":"Saving for unexpected expenses","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}},{"body":"Always direct access to your balance","icon":{"transformBaseUrl":"https://assets.ing.com/transform/fd8aae40-b81e-406e-bf85-a0761dfb0f93/Check_mark_outline_orange_RGB","type":"image","width":267,"original":"https://assets.ing.com/m/67bec23b9f25828f/original/Check_mark_outline_orange_RGB.png","extension":"png"}}],"cta":{"componentType":"cta","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/savings/NL_SALDO_RKG/open","text":"Open Business Orange Savings Account"}},"coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/81714b78-a80a-4ea9-821d-e1a99e3ebdcb/1003809494","type":"image","width":5500,"altTextNL":"\"\"","original":"https://assets.ing.com/m/62d39ced65c869f2/original/1003809494.jpg","extension":"jpg"},"title":"Business Orange Savings Account"},"backLink":{"textLink":{"url":"/en/business/savings","text":"Business savings accounts"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"The product"},{"componentType":"paragraph","richBody":{"value":"<p>With the Business Orange Savings Account (Zakelijke Oranje Spaarrekening), you can easily create and manage goals for expected and unexpected expenses. You can create up to 10 goals. These goals can be given a unique name, icon, and/or target amount.</p><p>For example, you can set aside money for your VAT return or just for a rainy day. This gives you more insight and overview, allowing you to focus on what really matters.</p><p>After opening the Business Orange Savings Account in MyING, you can easily create goals: click on “create an extra goal,” choose the desired icon, and give this goal the name you want.</p>"}},{"componentType":"paragraph","title":"Current interest rates","richBody":{"value":"<p>Below, you can find an overview of the current rates per (savings) account (on an annual basis). The rates are variable and can change at any moment in time.</p><table><thead><tr><th>Savings balance</th><th>Interest rate</th></tr></thead><tbody><tr><td>Balance € 0 up to and including € 10,000</td><td style=\"vertical-align:bottom\">%{Zakelijke.SpaarrentesENG:rente.basis.totenmet10k}%</td></tr><tr><td>Balance above € 10,000 up to and including € 25,000</td><td style=\"vertical-align:bottom\">%{Zakelijke.SpaarrentesENG:rente.basis.boven10ktotenmet25k}%</td></tr><tr><td>Balance above € 25,000 up to and including € 100,000</td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span><span><span>%{Zakelijke.SpaarrentesENG:rente.basis.boven25ktotenmet100k}%</span></span></span></span></span></span></span></span></td></tr><tr><td>Balance above € 100,000 up to and including € 1,000,000</td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span><span><span>%{Zakelijke.SpaarrentesENG:rente.basis.boven100ktotenmet1M}%</span></span></span></span></span></span></span></span></td></tr><tr><td>Balance above € 1,000,000 up to and including € 2,500,000</td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span><span><span>%{Zakelijke.SpaarrentesENG:rente.basis.boven1Mtotenmet2en5M}%</span></span></span></span></span></span></span></span></td></tr><tr><td>Balance above € 2,500,000 up to and including € 5,000,000</td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span><span><span>%{Zakelijke.SpaarrentesENG:rente.basis.boven2en5Mtotenmet5M}%</span></span></span></span></span></span></span></span></td></tr><tr><td>Balance above € 5,000,000 up to and including € 10,000,000</td><td style=\"vertical-align:bottom\"><span><span><span><span><span><span><span><span>%{Zakelijke.SpaarrentesENG:rente.basis.boven5Mtotenmet10M}%</span></span></span></span></span></span></span></span></td></tr><tr><td>Balance above € 10,000,000 </td><td><p>%{Zakelijke.SpaarrentesENG:rente.basis.boven10M}%</p></td></tr></tbody></table>"}},{"componentType":"accordion","accordionList":[{"title":"How interest is calculated?","richBody":{"value":"<p>At the end of each day, we calculate how much interest you accrue and/or have to pay. This is calculated as follows: the interest rate applicable to the balance class, divided by 365 (days in the year), multiplied by the balance. In a leap year, the year is set to 366 days.</p><p><strong>Annual settlement and effective interest</strong></p><ul><li>All mentioned interest rates are nominal and on an annual basis</li><li>The interest is settled once a year</li></ul>"}}]},{"componentType":"paragraph","title":"Features","richBody":{"value":"<ul><li>Deposits and withdrawals always possible</li><li>Create up to 10 goals</li><li>Savings account with a variable annual interest rate</li><li>Interest is calculated over the total balance of all goals combined</li><li>Balance classes and corresponding interest rates can change daily</li><li>Savings interest is credited annually on January 1st</li><li>If you are overdrawn, the interest is automatically debited from your account on the 1st day of the following month</li><li>Easily manage goals via online banking and the Mobile App</li><li>You can directly transfer balances between two goals via online banking</li><li>A Business Account is required for this savings account</li><li>Your money in this account is legally protected by the <a href=\"https://www.dnb.nl/en/reliable-financial-sector/dutch-deposit-guarantee/\">Nederlandse Depositogarantie</a>, from 1 cent to €100,000. This protection applies per bank and per person </li></ul>"}},{"componentType":"paragraph","title":"Costs","richBody":{"value":"<ul><li>The Business Orange Savings Account is free to open</li><li>On the Business Account, fees may be charged for account information (reporting) on transactions, including transfers to your savings account. To see if this fee applies to you, check our <a href=\"http://www.ing.nl/zakelijk/betalen/tarieven/basis-betaalproducten/index.html\">fee overview</a> and our brochure <a href=\"https://assets.ing.com/m/75df98bd553f61a0/original/Tarieven-zakelijk-betalingsverkeer-1-januari-2023.pdf\">Business payment tariffs</a> (pdf). Here you will also find a complete overview of our business payment tariffs</li><li>These fees do not apply if you transfer the balance directly between two goals via internet banking</li></ul>"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{},{"url":"https://assets.ing.com/m/4917eb63801f8062/original/Voorwaarden-Zakelijke-Oranje-Spaarrekening-ENG.pdf","text":"Terms and conditions Business Orange Savings Account  (PDF)"},{},{"url":"https://assets.ing.com/m/459323743d1f195b/original/Voorwaarden-en-overige-regelingen-zakelijk-per-1-oktober-2024.pdf","text":"Terms and other Business provisions per 01-10-2024 (PDF)"}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"https://www.ing.nl/zakelijk/sparen/spaarrente-variabele-spaarrekeningen","text":"Current Savings rates"},{"url":"/zakelijk/sparen/automatisch-sparen","text":"Automatic savings"},{"url":"/zakelijk/klantenservice/service-en-dienstverlening/spaarrekening-opzeggen","text":"Cancel savings account"}]}]}}}