Want to get more out of your savings? This is possible with the Zakelijke Kwartaal Spaarrekening. Every quarter you receive a variable basic interest rate on your savings balance and every quarter a variable bonus interest based on the lowest balance on your savings account in the quarter. You can easily and directly open your Zakelijke Kwartaal Spaarrekening digitally. You can do this via the ING App on your smartphone or via My ING Business. Also good to know:
| Balance | Basic interest | Bonus interest | Maximum interest |
|---|---|---|---|
| Balance up to € 10,000,000 | %{Zakelijkekwartaal.SpaarrentesENG:rente.basis.totenmet10M}% | %{Zakelijkekwartaal.SpaarrentesENG:rente.bonus.totenmet10M}% | %{Zakelijkekwartaal.SpaarrentesENG:rente.maximaal.totenmet10M}% |
Balance above | %{Zakelijkekwartaal.SpaarrentesENG:rente.basis.boven10M}% | %{Zakelijkekwartaal.SpaarrentesENG:rente.bonus.boven10M}% | %{Zakelijkekwartaal.SpaarrentesENG:rente.maximaal.boven10M}% |
Rates apply as of %{Zakelijkekwartaal.Spaarrentes:rente.ingangsdatum}%. The interest percentages are variable (on an annual basis) and can change at any point in time.
"},"alignedImage":{"position":"bottom"}},{"componentType":"accordion","accordionList":[{"title":"How is the interest calculated?","richBody":{"value":"At the end of each day, we calculate how much basic interest you have accrued that day. We do this by dividing the interest rate by 365 (days in the year) and multiplying it by the balance. In a leap year, we set the year to 366 days.
We calculate the bonus interest based on the lowest balance in each quarter. An exception is the 1st quarter after the account is opened. In this quarter, the lowest balance is determined from the day on which the first deposit is made. We divide the bonus interest rate by 365 (days in the year), multiplied by the number of days in the quarter, multiplied by the lowest balance in the quarter. In a leap year, we set the year to 366 days.
If you close the Zakelijke Kwartaal Spaarrekening before the end of the quarter, you will not be eligible for bonus interest for that quarter.
Settlement and effective interest
All interest rates mentioned are variable and on an annual basis. The basic interest and bonus interest is settled once a quarter. As a result, the actual calculated interest (the effective interest) may differ slightly from the nominal interest.
Calculation example:
On February 10, Iris opened a Zakelijke Kwartaal Spaarrekening with a balance of €20,000. On March 1st, Iris withdraws €500. The bonus interest at that time is 0.2%. The bonus interest that Iris receives on April 1st is:
(0.2% / 365) * 50 * 19,500 = €5,34
"},"alignedImage":{"position":"bottom","transformBaseUrl":"https://assets.ing.com/transform/f4e8d36a-ce57-4bce-b089-e9601aabb188/Zakelijke-Kwartaal-Spaarrekening","original":"https://assets.ing.com/m/30f851a339471ebd/original/Zakelijke-Kwartaal-Spaarrekening.jpg","extension":"jpg"}}]},{"componentType":"paragraph","title":"Directly opened in an easy and digital way","richBody":{"value":"
Open your Zakelijke Kwartaal Spaarrekening easily online. You can arrange it via the ING App or in My ING Business. It only takes 3 minutes.
"}},{"componentType":"paragraph","title":"Good to know","richBody":{"value":"Costs may be charged on the Business Account for account information (reporting) about transactions, and therefore also if it concerns a transfer to your savings account. You can see whether this rate applies to you in our rate overview and our brochure "Tarieven Zakelijk Betalingsverkeer". Here you will find a complete overview of our business payment rates
A: This is the same product. In 2021, we stopped offering the Zakelijke Kwartaal Spaarrekening. We see that there is demand for this product again and therefore the Zakelijke Kwartaal Spaarrekening can be opened again.
"}},{"title":"Q: When will the basic and the bonus interest be credited?","richBody":{"value":"A: The interest will be credited on 1 January, 1 April, 1 July and 1 October.
"}},{"title":"Q: Will I also receive bonus interest if I cancel the Zakelijke Kwartaal Spaarrekening before the end of the quarter?","richBody":{"value":"A: If you terminate the Zakelijke Kwartaal Spaarrekening before the end of the quarter, you will not be eligible for bonus interest for that quarter.
"}},{"title":"Q: How is the bonus interest calculated?","richBody":{"value":"A: The bonus interest rate 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 in the quarter. In a leap year, we set the year at 366 days.
Calculation example:
On 10 February 2023, Iris opened a Zakelijke Kwartaal Spaarrekening with a balance of €20,000. On 1 March, Iris withdraws €500 from her Zakelijke Kwartaal Spaarrekening. The bonus interest rate at that time is 0.2%. The bonus interest that Iris receives on 1 April is calculated as follows:
(0.2% / 365) * 50 * 19,500 = € 5.34
"}}]},{"componentType":"cta","textLink":{"url":"https://mijnzakelijk.ing.nl/banking/savings/NL_ZAK_KW_SPRRKG/open","text":"Open Zakelijke Kwartaal Spaarrekening"}},{"componentType":"cards"},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{"url":"https://assets.ing.com/m/6e537597431ce41a/original/ING_voorwaarden_zakelijke_kwartaal_spaarrekening_eng.pdf","text":"Terms and conditions Zakelijke Kwartaal Spaarrekening (PDF)"},{"url":"https://assets.ing.com/m/d90134a7ed4becea/original/ING-voorwaarden-en-overige-regelingen-zakelijk.pdf","text":"Terms and conditions and other business regulations"},{"url":"https://assets.ing.com/m/99785a36382c831/original/ING-voorwaarden-en-overige-regelingen-zakelijk-per.pdf","text":"Terms and conditions and other business regulations as of 9 October 2025"}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"url":"/zakelijk/sparen/automatisch-sparen","text":"Automatic savings"},{"url":"/zakelijk/klantenservice/service-en-dienstverlening/spaarrekening-opzeggen","text":"Cancel Savings Account"}]}]}}}