Please note: Investing involves risks and costs. You may (partially) lose your investment amount
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is an emergency fund?","richBody":{"value":"An emergency fund is money you keep in your savings account for unexpected expenses. For example, if your washing machine breaks down or your healthcare costs suddenly increase. If you regularly set money aside, you keep building up your buffer, even if you’ve had to use some of it
"}},{"title":"How do I make sure my emergency fund stays large enough?","richBody":{"value":"Nibud advises saving at least 10% of your net monthly income. This helps you keep your buffer topped up, so you can use it when you really need it
"}},{"title":"How does Round up & Save work?","richBody":{"value":"With Round up & Save, you save while you spend. Every payment you make is rounded up automatically, whether you pay with your debit card, Apple Pay, Google Pay, Garmin Pay or iDEAL. The rounded‑up amount is transferred to your Orange Savings Account the next day. That way, you build up your savings almost without noticing. Want to learn more or turn it on right away? Check out Round up & Save
"}},{"title":"How does Automatic Saving work?","richBody":{"value":"Automatic Saving makes it easier to set money aside. You set it up once, and then your savings happen automatically. You choose the frequency that suits you, for example weekly, monthly or every six months. Read all about it on Automatic Saving
"}},{"title":"I find saving difficult. How can I stick with it?","richBody":{"value":"Your app can help you. For example, turn on Automatic Saving so you don’t have to think about it anymore. Or use Round up & Save, so you automatically save every time you pay in a store or online with iDEAL. Did you know saving becomes easier when you create a personal goal? In the app, you can create your own savings goal for exactly that
"}},{"title":"Should I save or invest?","richBody":{"value":"Investing can help your money grow faster than saving alone, but it also involves risks and costs. Do you already have a healthy emergency fund for unexpected expenses? And are you able to set aside some extra money? Then investing might be an option for you. Use the calculator to see what suits you best
Please note: Investing involves risks and costs. You may (partially) lose your investment amount
"}},{"title":"I can't do this on my own. Where can I get help?","richBody":{"value":"Can't do it on your own or do you have questions? Contact ING for help.
"}}]},{"componentType":"sectionTitle","title":"Make saving easier, and more fun"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Automatic Saving","intro":"It’s reassuring to have money set aside. With just one instruction, you can easily start saving automatically","body":"It’s reassuring to have money set aside. With just one instruction, you can easily start saving automatically","image":{"transformBaseUrl":"https://assets.ing.com/transform/64751f43-93fa-4d1e-814d-47650c497a0b/2025-05-phishing-en-vakantiegeld","type":"image","width":160,"original":"https://assets.ing.com/asset/64751f43-93fa-4d1e-814d-47650c497a0b/2025-05-phishing-en-vakantiegeld.svg","extension":"svg"},"link":{"url":"/en/personal/savings/automatic-savings"},"promoText":"Go to Automatic Saving"},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Round up & Save","intro":"Save automatically with Round up & Save whenever you pay in a store or online with iDEAL","body":"Save automatically with Round up & Save whenever you pay in a store or online with iDEAL","image":{"transformBaseUrl":"https://assets.ing.com/transform/822c1bd6-392b-4693-9844-f4dc795d1716/womanwithpiggybanknopadding","type":"image","width":128,"original":"https://assets.ing.com/asset/822c1bd6-392b-4693-9844-f4dc795d1716/womanwithpiggybanknopadding.svg","extension":"svg"},"link":{"url":"/en/personal/savings/round-up-and-save"},"promoText":"Go to Round up & Save"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Savings Lock","intro":"Lock your Savings Goal and spend less. Unlock? You decide. Save smart.","image":{"transformBaseUrl":"https://assets.ing.com/transform/31ab1391-5af1-4c56-bac5-2bce3d7fc151/closedlock2","type":"image","width":160,"original":"https://assets.ing.com/m/72091172e72f6ae6/original/closedlock2.svg","extension":"svg"},"link":{"url":"/en/personal/savings/savings-lock"}}]},{"componentType":"sectionTitle","title":"Need help?"},{"componentType":"paragraph","richBody":{"value":"Sometimes you lose track of your finances. In those moments, it helps to have someone think along with you, for example to prevent financial worries or arrears.
We also believe it is important that as many people as possible can use our services and products, including people with a disability. That is why we have listed all services and solutions for your situation.
"},"alignedImage":{"transformBaseUrl":"https://assets.ing.com/transform/9528899b-af80-4b66-ac0e-814e774fbfbf/Woman-happy-hands-heart-spot","original":"https://assets.ing.com/m/2ed2342593e50b1f/original/Woman-happy-hands-heart-spot.svg","extension":"svg"}}]},"freeHeaderZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Saving buffer","intro":"How much savings do you need for unexpected costs? Check the Nibud Buffer Calculator","body":"How much savings do you need for unexpected costs? Check the Nibud Buffer Calculator","image":{"transformBaseUrl":"https://assets.ing.com/transform/8b04c662-1d0f-4ed0-9780-bc14a8e31a25/woman-relax-yoga_197x176","type":"image","width":197,"altTextEN":"Private-Banking-Woman-relax-yoga","original":"https://assets.ing.com/m/36b98c5565365827/original/woman-relax-yoga_197x176.png","extension":"png"},"link":{"url":"https://bufferberekenaar.nibud.nl/ing/introductie"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Savings Goals","intro":"What are you saving for? Savings Goals make it clearer and easier to save","body":"What are you saving for? Savings Goals make it clearer and easier to save","image":{"transformBaseUrl":"https://assets.ing.com/transform/55ad7178-09d1-4fce-a25d-9f5a7ab04e4b/Dart-play-scene","type":"image","width":1200,"original":"https://assets.ing.com/m/54d997cb35ea31ce/original/Dart-play-scene.svg","extension":"svg"},"link":{"url":"/en/personal/savings/savings-goals"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Saving tips","intro":"There are many ways to save. Choose what suits you","body":"There are many ways to save. Choose what suits you","image":{"transformBaseUrl":"https://assets.ing.com/transform/d8204a8f-381a-40c5-be0c-90c13fb23547/730872-llustrations-insight-2_288x288px-starters","type":"image","width":288,"original":"https://assets.ing.com/m/648dbdec7c51ad3b/original/730872-llustrations-insight-2_288x288px-starters.jpg","extension":"jpg"},"link":{"url":"/particulier/sparen/sparen-tips"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Saving pitfalls","intro":"Saving can be challenging. Do you recognise the pitfalls?","body":"Saving can be challenging. Do you recognise the pitfalls?","image":{"transformBaseUrl":"https://assets.ing.com/transform/c7dc0f74-b100-499b-8890-a7f02b965468/catflowersfallen","type":"image","width":1500,"original":"https://assets.ing.com/m/8401c2b44dee98f/original/catflowersfallen.svg","extension":"svg"},"link":{"url":"/particulier/sparen/sparen-lastig-herken-de-valkuilen"}}]}]}}}