{"type":"document","data":{"id":"d485a758-73f1-43c5-a66b-3f5b0d820ff5","localeString":"en-GB","publishDate":"2026-05-01T07:03:05.548+02:00","contentType":"onecms:productPage","hasMacro":true,"macros":["Profile.Fixe:Spaardeposito.1jr.EN","Profile.Fixe:Spaardeposito.3jr.EN","Profile.Fixe:Spaardeposito.5jr.EN"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"A Zakelijk Deposito can be a good idea if you want to save for later use","taxonomies":{"productTaxonomy":{"taxonomyKeys":["savings-business"],"taxonomyType":"productTaxonomyContainer","canonkey":"savings-business"}}},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/savings/NL_ZAK_DEP/open","text":"Open Zakelijk Deposito"}},"coreHeader":{"body":"What you save, you don’t spend","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/7f7d1d6a-34a0-43b4-a1d4-853a22b2be3d/Woodworker-varnishes-wood","type":"image","width":5700,"original":"https://assets.ing.com/m/6e4d2feaeea027f6/original/Woodworker-varnishes-wood.jpg","extension":"jpg"},"title":"ING Zakelijk Deposito"},"backLink":{"textLink":{"url":"/en/business/savings","text":"Business savings accounts"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What you need to know about the ING Zakelijk Deposito"},{"componentType":"paragraph","richBody":{"value":"<p>With a Zakelijk Deposito from ING, you put your money on hold for a certain period of time. You will receive a fixed interest rate during this period. The interest rate depends on the term you choose.</p>"}},{"componentType":"paragraph","title":"Features of the Zakelijk Deposito","richBody":{"value":"<ul><li>Different durations</li><li>Minimum deposit € 25,000</li><li>You cannot terminate your Business Savings Deposit during the specified term</li><li>There is no maximum interest-bearing balance for a deposit</li><li>The interest rate is fixed during the term of the deposit</li><li>The agreed interest rate applies on an annual basis (365 days)</li><li>The interest is accrued as follows: interest rate times your balance times maturity in days divided by 365 days.</li></ul><table><thead><tr><th><strong>Term</strong></th><th><strong>Interest</strong></th></tr></thead><tbody><tr><td>1 year</td><td>%{Profile.Fixe:Spaardeposito.1jr.EN}%</td></tr><tr><td>3 year</td><td>%{Profile.Fixe:Spaardeposito.3jr.EN}%</td></tr><tr><td>5 year</td><td>%{Profile.Fixe:Spaardeposito.5jr.EN}%</td></tr></tbody><tbody /></table><p>Rates apply per 1 Mei 2026. Interest rate changes reserved. Rate changes apply to new deposits only. The interest rate agreed at the start of a Zakelijk Deposito remains fixed for the entire term.</p>"}},{"componentType":"accordion","accordionList":[{"title":"Calculation example: in case of an annual payment","richBody":{"value":"<p>You have a Zakelijk Deposito with:</p><ul><li>A balance of €25,000</li><li>A duration of 3 years</li><li>An interest rate of 1.25% (example interest rate)</li></ul><p><strong>Calculation of interest</strong><br />You will receive an interest rate each year of:<br />1.25% * € 25,000 = € 312.50.</p>"}}]},{"componentType":"sectionTitle","title":"Get started with the ING Zakelijk Deposito"},{"componentType":"paragraph","richBody":{"value":"<p>You can easily and instantly open your ING Zakelijk Deposito digitally. You can do this via the ING App on your smartphone or via My ING Business. Do you bank via InsideBusiness (IBP)? Then you can fill out <a href=\"https://assets.ing.com/m/4f08a468b9457598/original/ING_aanvraagformulier-zakelijk-deposito.pdf\">this form</a> and send it back to ING.</p>"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<ul><li>You put in an amount once. It is not possible to deposit money. You can open several deposits.</li><li>It is not possible to withdraw money from your deposit or to terminate the deposit before the end of the term.</li><li>In the meantime, you will always receive the interest on your Business Account. So there is no interest-on-interest on your Zakelijk Deposito.</li><li>For Zakelijk Deposito&apos;s opened from 03-11-2025, the deposit and the accrued interest will be transferred to your Zakelijke Oranje Spaarrekening at the end of the term.</li><li>Your money in this account is legally protected by the <a href=\"http://www.dnb.nl/betrouwbare-financiele-sector/nederlandse-depositogarantie/\">Dutch Deposit Guarantee</a>, from 1 cent to € 100,000. This protection applies per bank and per person. For more information, please visit <a data-type=\"internal\" href=\"/zakelijk/klantenservice/service-en-dienstverlening/je-geld-is-beschermd\">ing.nl/dgs</a>.</li></ul>"}},{"componentType":"sectionTitle","title":"Terms and conditions"},{"componentType":"paragraph","richBody":{"value":"<ul><li>The terms and conditions of the Zakelijk Deposito apply and we may change them. </li><li>In the event of a change to your disadvantage, we will inform you at least 2 weeks in advance. </li><li>This product is also subject to the ‘Terms and conditions and other business regulations’. In the event of differences, the terms and conditions of the Zakelijk Deposito shall prevail.</li></ul>"},"textLinks":[{"url":"https://assets.ing.com/m/6b033ded88c8d315/original/ING_conditions_business_savings_deposit_tcm162-249318.pdf","text":"Terms and conditions Zakelijk Deposito PDF)"}]},{"componentType":"linkList","iconTitle":{"title":"General conditions and other regulations Business"},"textLinks":[{"url":"https://assets.ing.com/m/d90134a7ed4becea/original/ING-voorwaarden-en-overige-regelingen-zakelijk.pdf","text":"General conditions and other regulations Business (PDF)"},{"url":"/en/business/customer-service/new-terms-and-conditions-business","text":"General conditions and other regulations Business as of 1 July 2026"}]},{"componentType":"linkList","iconTitle":{"title":"More information about savings"},"textLinks":[{"url":"/en/business/savings/interest-rates-variable-savings","text":"Interest rates variable savings accounts"},{"url":"/zakelijk/sparen/automatisch-sparen","text":"Automatic savings"},{"url":"/zakelijk/klantenservice/service-en-dienstverlening/zakelijk-deposito-opzeggen","text":"Cancel Zakelijk Deposito"},{"url":"/en/business/savings/business-orange-saving-account","text":"Zakelijke Oranje Spaarrekening"},{"url":"/en/business/savings/zakelijke-kwartaal-spaarrekening","text":"Zakelijke Kwartaal Spaarrekening"}]}]}}}