If you have enough savings set aside, Easy Invest can be a logical next step. Get started online and invest in a diversified portfolio from one of four carefully selected funds. Start Easy Invest today and combine investing with extra savings benefits. That’s smart saving and investing.
"}},{"componentType":"applicationProcess","steps":{"title":"How it works","stepList":[{"title":"Sign up for the promotion","body":"Do so by 21 July 2026 at the latest via the online registration form.","textLink":{"url":"https://mijn.ing.nl/banking/campaign-management/c4eab352-2c8a-5b02-91d7-4c6d5a8a0847","text":"Sign up"}},{"title":"Open an Easy Invest account","body":"Open the account between 21 April and 21 July 2026."},{"title":"Make a deposit","body":"You can start from €10. For the promotion, your net investment (total investments minus withdrawals) made between 21 April and 21 July 2026 counts."},{"title":"Receive the bonus interest","body":"You will receive bonus interest monthly for up to 12 months on your Savings Account, from the moment you sign up for the promotion and open your Easy Invest account.","textLink":{"url":"https://assets.ing.com/asset/798e0bd0-d75b-4f0d-94fe-8f5429549697/ING-Promotional-Terms-and-Conditions-Smart-Saving-and-Investing-Easy-Invest.pdf","text":"Read the full promotion terms and conditions."}}]}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/investments/120/onboarding?roundup=active&EW=true","text":"Start with Easy Invest"}},{"componentType":"sectionTitle","title":"Variable savings interest and bonus interest on the Savings Account"},{"componentType":"paragraph","richBody":{"value":"By participating in this promotion, your savings interest can temporarily increase to a maximum of 2.25% per year. This consists of the current variable savings interest on the Savings Account (Oranje Spaarrekening) and the temporary bonus interest of 1% per year. The savings interest on the Savings Account is variable and may change.
Savings balance
| Savings interest
| Bonus interest
| Temporary maximum interest |
€0 – €10,000 | 1.25% | 1.00% | 2.25% |
€10,000 – €100,000 | 1.00% | 1.00% | 2.00% |
€100,000 – €500,000 | 1.00% | 1.00% | 2.00% |
| €500,000 - €1,000,000 | 1.00% | 0.00% | 1.00% |
Above €1,000,000 | 0.00% | 0.00% | 0.00% |
In the calculation examples below, you can see what the bonus interest could yield. We assume the current variable savings interest rate on the personal Savings Account, currently up to 1.25% per year on a savings balance up to €10,000. Rates may change. Investment returns are not included.
"}},{"componentType":"accordion","accordionList":[{"title":"Example 1: You save €5,000 and invest €3,000","richBody":{"value":"You have €5,000 in savings in your Savings Account and you invest a net €3,000 in Easy Invest. In this example, we assume that both your savings balance and your net investment remain the same for 12 months.
What does this yield over 12 months?
How is this amount calculated?
1. Bonus interest (1% per year)
You receive 1% bonus interest on the portion of your savings equal to your net investment in Easy Invest.
2. Savings interest on the Savings Account (up to 1.25% per year)
In addition, you receive the regular savings interest on your full savings balance:
You have €6,000 in savings in your Savings Account and you first invest a net €4,000 in Easy Invest. After 6 months, you make an additional investment of €2,000, increasing your net investment to €6,000.
What does this yield over 12 months?
How is this amount calculated?
1. Bonus interest (1% per year)
Months 1 to 6
Months 7 to 12 (after the additional investment)
Total bonus interest
€20.00 + €30.00 = €50.00
2. Savings interest on the Savings Account (up to 1.25% per year)
In addition, you receive the regular savings interest on your full savings balance:
Start Easy now and temporarily receive up to 2.25% interest on your savings, equal to your investment in your Easy Invest account.
"},"textLinks":[{"url":"https://mijn.ing.nl/banking/campaign-management/c4eab352-2c8a-5b02-91d7-4c6d5a8a0847","text":"Start now"},{"url":"https://mijn.ing.nl/investments/en-nl/120/onboarding?roundup=active","text":"Open Easy Invest"}]},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What do we mean by ‘getting started with Easy Invest’?","richBody":{"value":"You are considered to have started with Easy Invest if, during the promotional period, you open an Easy Invest account and you have not held a personal Easy Invest account in the 12 months before that. Business Easy Invest accounts do not count.
"}},{"title":"Do I need to sign up for this promotion?","richBody":{"value":"Yes. Signing up for this promotion is very easy and is done via the online registration form in the ING App or Mijn ING. After signing up, you can immediately open an Easy Invest account and make your first deposit.
"}},{"title":"When does the bonus interest period start, and when is it paid out?","richBody":{"value":"The bonus interest period starts as soon as you:
Without a net investment, you will not receive bonus interest. If you invest later, you will receive bonus interest for a shorter period, because the bonus interest period is not extended. So, if you want to benefit from bonus interest for as long as possible, make an investment as soon as possible after signing up.
The bonus interest is paid into your Savings Account monthly, at the end of each month, for a maximum period of 12 months. Do you have multiple savings goals in your Savings Account? Then the bonus interest will be credited to the first savings goal you created.
"}},{"title":"How do I know whether my bonus interest has been paid out?","richBody":{"value":"You will see the bonus interest as a separate interest credit on your Savings Account, visible in the ING App and My ING. Please note: the description of this interest credit is shown in Dutch. For example: “Actierente Eenvoudig Beleggen mei 2026”
"}},{"title":"Does an additional investment after the promotional period still count towards the bonus interest?","richBody":{"value":"Yes. An additional investment after 21 July 2026 counts towards the bonus interest, as long as it is made within your remaining bonus interest period of up to 12 months.
This always concerns your total net investment: the total amount you invest in the investment portfolio of your Easy Invest account, minus any withdrawals.
All net investments count up to a maximum savings balance of €500,000.
Do you make an additional net investment during the bonus interest period? Then the amount on which you receive bonus interest may increase, up to this maximum.
"}},{"title":"What happens if I withdraw money from my Easy Invest account during the bonus interest period?","richBody":{"value":"If you withdraw money from the investment portfolio of your Easy Invest account during the bonus interest period, your net investment decreases. This can also reduce the amount on which you receive bonus interest. Example:
You have €10,000 in savings in your Savings Account and you have invested a net €10,000 to your investment portfolio. You receive bonus interest on €10,000. If you then withdraw €5,000 from your investment portfolio, your net investment becomes €5,000 and from that moment you will receive bonus interest on €5,000.
The bonus interest is calculated daily, so a withdrawal can have an immediate effect on the amount on which you receive bonus interest.
"}},{"title":"Do market fluctuations affect my bonus interest?","richBody":{"value":"No. Market fluctuations in the value of your investment portfolio do not affect the bonus interest.
When calculating bonus interest, we only look at your net investment in the investment portfolio of your Easy Invest account and the savings balance in your Savings Account. If the value of your investment rises or falls due to the market, that does not change the amount on which you receive bonus interest.
"}},{"title":"What happens if my savings balance decreases during the bonus interest period?","richBody":{"value":"If your savings balance decreases, for example because you withdraw or transfer money from your Savings Account, then you will receive bonus interest on the lower savings balance, provided it is at least equal to your net investment to Easy Invest.
"}},{"title":"Can I participate with a business Easy Invest account?","richBody":{"value":"No. This promotion applies only to personal Easy Invest accounts. Participation with a business Easy Invest account is not possible.
"}}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"Terms and conditions apply to this promotion. Read the full promotion terms and conditions.
"}},{"componentType":"paragraph","title":"Important information about investing","richBody":{"value":"Investing involves risks and costs. You may (partially) lose your investment amount. Read more about the risks of investing and how to limit them. And also view the Investment Terms and Conditions.
"}},{"componentType":"paragraph","title":"Important information about the Savings Account","richBody":{"value":"