If you only look at interest rates, saving in a personal savings account can sometimes yield more. However, the choice between business and personal savings also has tax implications. This can make saving (or continuing to save) in your BV more attractive. The size of your assets and the related taxes play an important role.
Important: Consult your accountant, bookkeeper, or tax advisor before deciding to transfer part of your BV’s funds to a personal account.
"}},{"componentType":"sectionTitle","title":"Assets in a BV and taxes: A brief explanation"},{"componentType":"paragraph","richBody":{"value":"As long as your business assets remain in the BV, the return is subject to corporate income tax. If your BV distributes the net result to the shareholder (that’s you), you will then pay income tax in Box 2.
What you keep net may be more than if it were taxed as personal assets in Box 3. Curious if this applies to you? Check with your accountant, bookkeeper, or tax advisor.
"}},{"componentType":"sectionTitle","title":"Current savings rates for your BV"},{"componentType":"paragraph","richBody":{"value":"Want to earn an attractive interest rate while saving through your BV? Choose one of our Business Savings Accounts.
"},"textLinks":[{"url":"/en/business/savings/interest-rates-variable-savings","text":"Current savings rates"}]},{"componentType":"accordion","accordionList":[{"title":"Return: How we calculate your savings interest","richBody":{"value":"Want to save through your BV and always have instant access to your money? Then you can choose from:
The way interest is calculated works slightly differently for these accounts. Check the overview for details and easily compare the returns for both business savings accounts.
"}}]},{"componentType":"sectionTitle","title":"Looking to open a Business Savings Account for your BV?"},{"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 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/80d34343-a83d-44e6-99e9-8b46c15f2d00/A-happy-man-with-sunglasses-rides-a-bike-outside","type":"image","width":8192,"original":"https://assets.ing.com/m/64894c5218dfd65a/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 fixed period at a guaranteed 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"}}]}]}}}