{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Discover the possibilities to put money aside for your child and choose what fits you best.","robotInstruction":{"noFollow":false,"noIndex":true}},"flexZone":{"flexComponents":[{"comparisonCardList":[{"cta":{"componentType":"cta","textLink":{"text":"More about the Child savings account","url":"/en/personal/children/products/childrens-savings-account"}},"image":{"extension":"jpg","original":"https://assets.ing.com/m/57370bbe0bcd823b/original/Large_Web-and-Screen-A-young-girl-closes-her-eyes-and-blows-on-a-dandelion-clock-outside-1.jpg","publishedAt":"2024-11-17T19:19:05Z","transformBaseUrl":"https://assets.ing.com/transform/7d235204-e144-4811-97dd-d93088f3ad8d/Large_Web-and-Screen-A-young-girl-closes-her-eyes-and-blows-on-a-dandelion-clock-outside-1","type":"image","updatedAt":"2024-11-17T19:19:36Z","width":1920},"subtitle":"Saving in your child’s name (0-18 years)","title":"Child savings account","usps":[{"body":"Savings account in your child’s name","iconType":"check-mark"},{"body":"%{Spaarrentes:PrivateindividualsGGRENG.rente.totenmet10k}% interest up to €10,000. The interest is variable and on an annual basis","iconType":"check-mark"},{"body":"Savings can always be withdrawn","iconType":"check-mark"},{"body":"When your child turns 18, they get access to the savings","iconType":"check-mark"},{"body":"Cuddly savings lion as a gift","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"More about creating savings goals","url":"/en/personal/savings/savings-goals"}},"image":{"extension":"jpg","original":"https://assets.ing.com/m/1fa77f9e0507b500/original/A-father-and-his-young-son-looking-underneath-a-parked-yellow-motorcycle-in-the-backyard.jpg","publishedAt":"2022-10-20T09:22:05Z","transformBaseUrl":"https://assets.ing.com/transform/8075792e-3b5a-4fc3-a0f6-75b86680cf26/A-father-and-his-young-son-looking-underneath-a-parked-yellow-motorcycle-in-the-backyard","type":"image","updatedAt":"2023-11-07T12:52:27Z","width":6000},"subtitle":"A savings goal for your child on your own Savings account","title":"Savings account","usps":[{"body":"Savings account in your name","iconType":"check-mark"},{"body":"%{Spaarrentes:PrivateindividualsOSRENG.rente.totenmet10k}% interest up to €10,000. The interest is variable and on an annual basis","iconType":"check-mark"},{"body":"Savings can always be withdrawn","iconType":"check-mark"},{"body":"You decide when you give the money to your child","iconType":"check-mark"},{"body":"Earn ING Points","iconType":"check-mark"}]},{"cta":{"componentType":"cta","textLink":{"text":"More about Easy invest for children","url":"/en/personal/investing/investments-at-ing/investing-for-your-child"}},"features":{"featureBody":"Please note: Investing involves risks and costs. The value of your investment may fluctuate. You may lose (part of) your investment.","featureTitle":""},"image":{"altTextNL":"Meisje smeert een boterham","extension":"jpg","original":"https://assets.ing.com/m/3a1e144c0e061ca8/original/Young-girl-makes-nutella-and-peanut-butter-sandwich-in-home-kitchen.jpg","publishedAt":"2016-04-12T16:33:31Z","transformBaseUrl":"https://assets.ing.com/transform/30288c91-2c23-467c-b5bb-c90eca81cd4a/Young-girl-makes-nutella-and-peanut-butter-sandwich-in-home-kitchen","type":"image","updatedAt":"2022-11-03T16:22:24Z","width":5520},"subtitle":"In your own or your child’s name","title":"Easy invest","usps":[{"body":"Investment account in your own or your child’s name","iconType":"check-mark"},{"body":"When investing in your own name, you decide when to give the money to your child","iconType":"check-mark"},{"body":"When investing in your child’s name, your child gets access when turning 18","iconType":"check-mark"},{"body":"Investing in one of the ING Global Index Portfolio funds","iconType":"check-mark"},{"body":"Starting is possible from € 10 per month","iconType":"check-mark"},{"body":"Depositing, withdrawing and stopping whenever you want","iconType":"check-mark"}]}],"componentType":"comparisonCards","title":"Child savings account,Savings account,Easy invest"},{"componentType":"sectionTitle","title":"Good to know"},{"accordionList":[{"richBody":{"value":"<ul><li><p>Your child is the owner of the savings account and/or investment account.</p></li><li><p>You can make smart use of the annual gift tax exemption by depositing into the savings account and/or investment account in your child&apos;s name. Read <a href=\"http://www.belastingdienst.nl/wps/wcm/connect/nl/schenken/content/hoeveel-mag-ik-mijn-kind-belastingvrij-schenken\">here</a> about the current amount that you can donate to your child tax-free annually. You can also read more information about the one-off increased exemption <a href=\"http://www.belastingdienst.nl/wps/wcm/connect/nl/schenken/content/hoeveel-mag-ik-mijn-kind-belastingvrij-schenken\">here</a></p></li><li><p>The balance on the savings account and/or investment account is included in the parents&apos; assets in box 3.</p></li><li><p>If you die, the credit balance will belong to your child and your child usually does not have to pay inheritance tax.</p></li></ul><p>Please note: ING does not provide tax advice, but provides information. Tax laws and regulations change annually and the consequences of tax laws and regulations depend on your circumstances. Please check the website of the Tax Administration for further information and contact a financial or tax advisor for personal tax advice.</p><p>Please note when investing in your child&apos;s name: The law requires that the legal representative take the child&apos;s interests into account and thus ensure suitable investments of the child&apos;s assets. The law stipulates that the legal representative must obtain authorisation from the district judge to invest on behalf of a minor. It is not ING&apos;s responsibility to check whether the legal representative has obtained permission from the district judge.</p>"},"title":"What does it mean to save and/or invest in my child’s name?"},{"richBody":{"value":"<ul><li>You are the owner of the savings account and/or investment account.</li><li>Do you want to hand over money to your child? Then take gift tax into account. Read <a href=\"http://www.belastingdienst.nl/wps/wcm/connect/nl/schenken/content/hoeveel-mag-ik-mijn-kind-belastingvrij-schenken\">here</a> what the current amount is that you can donate to your child tax-free annually. You can also read more information about the one-off increased exemption <a href=\"http://www.belastingdienst.nl/wps/wcm/connect/nl/schenken/content/hoeveel-mag-ik-mijn-kind-belastingvrij-schenken\">here</a>.</li><li>The balance on the savings account and/or investment account is included in the parents&apos; assets in box 3.</li><li>If you die, the balance will belong to your estate.</li></ul><p>Please note: ING does not provide tax advice, but provides information. Tax laws and regulations are changed annually and the consequences of tax laws and regulations depend on your circumstances. Please check the website of the Tax Administration for further information and contact a financial or tax advisor for personal tax advice.</p>"},"title":"What does it mean to save and/or invest in my own name?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Children"},"textLinks":[{"text":"Accounts for your child","url":"/en/personal/children"},{"text":"Digital banking for your child","url":"/en/personal/children/service/digital-banking-for-your-child"},{"text":"Conversion of Child current account into a Youth current account (Jongerenrekening) (in Dutch)","url":"/particulier/kind/service/kinderrekening-wordt-jongerenrekening"}]}]},"hasMacro":true,"id":"47fab3e5-1710-4526-a198-74d7ee75f97c","localeString":"en-GB","macros":["Spaarrentes:PrivateindividualsGGRENG.rente.totenmet10k","Spaarrentes:PrivateindividualsOSRENG.rente.totenmet10k"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Accounts for children","url":"/en/personal/children"}},"componentType":"productHeader","coreHeader":{"body":"The day that your child gets his driving license or starts living on his own may seem far away. But if you start putting money aside early, you can help your child even better get started later on. Which option suits you?","headerImage":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/6d0b7b063cae150c/original/Young-girl-laying-beside-baby-brother-both-wearing-red-love-heart-glasses.jpg","publishedAt":"2022-05-26T15:04:57Z","transformBaseUrl":"https://assets.ing.com/transform/43aa4c77-7b22-400c-9e51-abf8a9b4dfcd/Young-girl-laying-beside-baby-brother-both-wearing-red-love-heart-glasses","type":"image","updatedAt":"2022-08-22T08:55:42Z","width":4032},"subtitle":"What suits you?","title":"Putting money aside for your child"}},"publishDate":"2026-09-14T13:38:44.547+02:00"}}