{"type":"document","data":{"id":"16f15594-70f6-4242-b388-2780b33ab812","localeString":"en-GB","publishDate":"2025-12-15T21:53:51.955+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"How much interest do you earn as a business owner with us? And what factors determine this? Explore the overview with explanations and examples of how we calculate your savings interest."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","microCopy":"Compare and open easily","textLink":{"url":"/en/business/savings","text":"Business Savings Accounts"}},"coreHeader":{"body":"How much interest do you earn as a business owner with us? And what factors determine this? Explore the overview with explanations and examples of how we calculate your savings interest.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a3607457-28a6-4b33-beca-fc4417c3a176/alltransferagreement-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/57444173592e4ea6/original/alltransferagreement-1920.jpg","extension":"jpg"},"title":"Calculating savings interest","subtitle":"How does it work for your Business Savings Account?"},"backLink":{"textLink":{"url":"/en/business/savings","text":"Business savings accounts"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What is savings interest?"},{"componentType":"paragraph","richBody":{"value":"<p>When you set money aside in a Business Savings Account as a company owner, interest is calculated on that amount. This interest can be positive, zero, or even negative. Business savings accounts come with either:</p><ul><li>Variable interest: Your business funds remain instantly accessible.</li><li>Fixed interest: You agree to lock in (part of) your business funds for a longer period.</li></ul><p>In general, the longer you lock in your savings, the higher the interest rate.</p>"}},{"componentType":"sectionTitle","title":"What is the current interest rate on Business Savings Accounts?"},{"componentType":"paragraph","richBody":{"value":"<p>At ING, business owners typically choose from three options:</p><ul><li><a data-type=\"internal\" href=\"/en/business/savings/business-orange-saving-account\">Business Orange Savings Account</a></li><li><a data-type=\"internal\" href=\"/en/business/savings/zakelijke-kwartaal-spaarrekening\">Business Quarterly Savings Account</a></li><li><a data-type=\"internal\" href=\"/en/business/savings/zakelijk-deposito\">Fixed Term Deposit </a></li></ul><p>Each account offers a different interest rate. Compare the current rates for all options easily.</p>"}},{"componentType":"accordion","accordionList":[{"title":"Current interest rates: Business Orange Savings Account","richBody":{"value":"<p><strong>This account has 7 balance tiers, each with its own variable interest rate:</strong></p><ul><li>Balance from €0 up to €25,000</li><li>Balance from €25,000 up to €100,000</li><li>Balance from €100,000 up to €1,000,000</li><li>Balance from €1,000,000 up to €2,500,000</li><li>Balance from €2,500,000 up to €5,000,000</li><li>Balance from €5,000,000 up to €10,000,000</li><li>Balance above €10,000,000</li></ul><p><a data-type=\"internal\" href=\"/en/business/savings/interest-rates-variable-savings\">View the current interest rate for each balance tier</a></p>"}},{"title":"Current interest rates: Business Quarterly Savings Account","richBody":{"value":"<p>First, a brief explanation</p><p>This is a business savings account with:</p><ul><li>A variable base interest rate</li><li>A variable bonus interest rate</li></ul><p>Here’s how it works:</p><ul><li>You earn the base interest on the average balance in your Business Quarterly Savings Account.</li><li>You earn the bonus interest on the funds that remain in your Business Quarterly Savings Account for an entire quarter.</li></ul><p><a data-type=\"internal\" href=\"/en/business/savings/interest-rates-variable-savings\">View the current interest rates</a></p><p> </p>"}},{"title":"Current interest rates: Fixed Term Deposit","richBody":{"value":"<p>The Fixed Term Deposit offers a fixed interest rate. This rate applies for the period you agree to lock in your funds (also called the term).</p><p>The interest rate depends on the term you choose:</p><ul><li>1 year</li><li>3 years</li><li>5 years</li></ul><p><a data-type=\"internal\" href=\"/en/business/savings/zakelijk-deposito\">View the current interest rates</a></p><p> </p>"}}]},{"componentType":"sectionTitle","title":"How do you calculate interest on your Business Savings Account?"},{"componentType":"paragraph","richBody":{"value":"<p>The way interest is calculated depends on your account type and whether you have a variable or fixed interest rate.</p>"}},{"componentType":"paragraph","title":"Business Orange Savings Account: calculating variable interest","richBody":{"value":"<p>At the end of each day, we calculate the interest for that day. Based on your balance, we do this as follows:</p><ul><li>We take the interest rate that applies to your balance tier.</li><li>We multiply that rate by your balance.</li><li>We divide the result by 365 days (or 366 days in a leap year).</li></ul>"}},{"componentType":"accordion","accordionList":[{"title":"Example: Calculating Interest for a Business Orange Savings Account","richBody":{"value":"<p><strong>Calculation example:</strong></p><ul><li>Suppose you deposit €25,000 into your Business Orange Savings Account on February 1 and leave it there until December 31.</li><li>The applicable interest rate is 1.50% (example rate).</li><li>1.50% × €25,000 = €375</li><li>You miss the entire month of January, so the number of days your balance earns interest is 365 – 31 = 334.</li><li>Your interest will be: 334 ÷ 365 × €375 = €343</li></ul>"}}]},{"componentType":"paragraph","title":"Business Quarterly Savings Account: calculating variable interest","richBody":{"value":"<p>This account offers both a base interest rate and a bonus interest rate.</p><ul><li>Base interest: At the end of each day, we calculate the amount of base interest you’ve accrued. We multiply the interest rate by your balance and divide the result by 365 days (or 366 in a leap year).</li><li>Bonus interest<strong>:</strong> This is calculated as follows: the bonus interest rate, divided by 365 (days in the year), multiplied by the number of days in the quarter, multiplied by the lowest balance during that quarter. In a leap year, we use 366 days. Important: <a data-type=\"internal\" href=\"/en/business/savings/zakelijke-kwartaal-spaarrekening\">Check how this calculation works for the first quarter after opening your Business Quarterly Savings Account.</a></li></ul>"}},{"componentType":"accordion","accordionList":[{"title":"Example: Calculating bonus interest for a Business Quarterly Savings Account","richBody":{"value":"<p>Calculation example:</p><ul><li>Suppose you open a Business Quarterly Savings Account on 10 February 2023 with a balance of €20,000.</li><li>On the first of March, you withdraw €500 from the account.</li><li>The bonus interest rate at that time is 0.2%.</li><li>The bonus interest you receive on 1 April is calculated as follows: (0.2% ÷ 365) × 50 × €19,500 = €5.34</li></ul>"}}]},{"componentType":"paragraph","title":"Fixed Term Deposit: Calculating Fixed Interest","richBody":{"value":"<p>The Fixed Term Deposit offers a fixed interest rate. The rate depends on the period you agree to lock in your funds:</p><ul><li>1 year</li><li>3 years</li><li>5 years</li></ul>"}},{"componentType":"accordion","accordionList":[{"title":"Example: calculating interest for a Fixed Term Deposit","richBody":{"value":"<p>Calculation example:</p><ul><li>Suppose you have a Business Term Deposit with €50,000.</li><li>The term is 3 years with an interest rate of 2.25% (example rate).</li><li>Each year, you earn: €50,000 × 2.25% = €1,125</li></ul>"}}]},{"componentType":"sectionTitle","title":"Looking to open a Business Savings Account?"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Business Orange Savings Account","body":"For when you want to set money aside for multiple specific goals or to cover unexpected expenses","image":{"transformBaseUrl":"https://assets.ing.com/transform/d4c22157-adbf-4200-994d-50248ee28872/look-ahead-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/53613987e482971e/original/look-ahead-1920.jpg","extension":"jpg"},"link":{"url":"/en/business/savings/business-orange-saving-account"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Business Quarterly Savings Account","body":"For when you want to set money aside for a full quarter to earn a bonus interest rate","image":{"transformBaseUrl":"https://assets.ing.com/transform/fccddfba-bb46-4ba8-ac38-f6c9ec984238/A-happy-man-with-sunglasses-rides-a-bike-outside","type":"image","width":8192,"original":"https://assets.ing.com/m/60f72d0fca2868c0/original/A-happy-man-with-sunglasses-rides-a-bike-outside.jpg","extension":"jpg"},"link":{"url":"/en/business/savings/zakelijke-kwartaal-spaarrekening"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Fixed Term Deposit","body":"For when you want to set money aside for a specific period at a fixed interest rate","image":{"transformBaseUrl":"https://assets.ing.com/transform/528e38ce-7616-4feb-8dfe-df6566f12813/Young-beaufitul-woman-holding-a-coffee-to-go","type":"image","width":5760,"original":"https://assets.ing.com/m/2db1bf67ce6997c8/original/Young-beaufitul-woman-holding-a-coffee-to-go.jpg","extension":"jpg"},"link":{"url":"/en/business/savings/zakelijk-deposito"}}]}]}}}