{"type":"document","data":{"id":"ad9ee331-9f44-4bb5-83c0-d3cfd590c363","localeString":"en-GB","publishDate":"2025-09-02T13:48:28.156+02:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Want to make an early withdrawal from your ING savings or green savings deposit? Here's how.","taxonomies":{"productTaxonomy":{"taxonomyKeys":["products","savings","510","509"],"taxonomyType":"productTaxonomyContainer"}}},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/9bac73df-2c60-44eb-9d5b-5df8909a209c/Man-and-woman-withdrawing-money-at-a-yellow-atm","type":"image","width":3264,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/d915f62fd1b7790/original/Man-and-woman-withdrawing-money-at-a-yellow-atm.jpg","extension":"jpg"},"title":"Withdraw money from your ING savings deposit or green savings deposit","subtitle":"If you have an ING savings deposit or an ING green savings deposit, you've locked your money in over a set period. However, you can withdraw money from your deposit early. Here's how."},"backLink":{"textLink":{"url":"/en/personal/savings","text":"All about saving"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Early withdrawals"},{"componentType":"paragraph","title":"Over the phone","richBody":{"value":"<p>Call <a data-type=\"internal\" href=\"/en/personal/customer-service/phone-numbers\">customer service</a> if you&apos;d like to withdraw money from your ING savings or green savings deposit early.  </p>"}},{"componentType":"paragraph","title":"Fees","richBody":{"value":"<p>We make use of the Net Present Value method, which is a way of converting the interest difference into cash against the current interest rate of an ING (green) savings deposit over the actual remaining term. Even if we (temporarily) don&apos;t offer ING (green) savings deposits, the current interest rate still applies. We&apos;ll share this interest rate at your request. Here&apos;s an overview of early withdrawal fees and example calculations.</p>"}},{"componentType":"sectionTitle","title":"Early withdrawal fees"},{"componentType":"paragraph","richBody":{"value":"<p>What you&apos;ll pay for early withdrawals depend on:</p><ul><li>The interest on your ING (green) savings deposit </li><li>Current interest rate for an ING (green) savings deposit </li><li>Your personal circumstances: In some situations, you won&apos;t pay any withdrawal fees per account holder up to 100,000 euros</li></ul>"}},{"componentType":"sectionTitle","title":"The interest rate on your deposit is equal to than or higher than the current interest rate"},{"componentType":"paragraph","richBody":{"value":"<p>In this case, you&apos;ll pay a fixed withdrawal fee. For savings deposits, the fee is 0.5% of the total withdrawal. For green savings deposits, the fee is 2% of the total withdrawal.</p>"},"textLinks":[{"url":"/en/personal/savings/calculation-example-savings-deposit","text":"View the calculation example"}]},{"componentType":"sectionTitle","title":"The interest rate on your deposit is lower than the current interest rate"},{"componentType":"paragraph","richBody":{"value":"<p>In this case, you&apos;ll pay a fixed withdrawal fee. For savings deposits, the fee is 0.5% of the total withdrawal. For green savings deposits, the fee is 2% of the total withdrawal. You&apos;ll also pay additional fees, which are always determined using the same calculation.</p>"},"textLinks":[{"url":"/en/personal/savings/calculation-example-savings-deposit","text":"View the calculation example"}]},{"componentType":"sectionTitle","title":"Divorce, unemployment, occupational disability or debt restructuring"},{"componentType":"paragraph","richBody":{"value":"<p>If you&apos;re in the midst of one or more of the above and you&apos;d like to make an early withdrawal, you won&apos;t be charged any fees for withdrawals up to 100,000 euros per account holder. However, this only applies if the divorce, unemployment, occupational disability or debt restructuring happened on or after the date on which you&apos;ve opened the deposit. If someone has passed away, you won&apos;t need to pay any fees regardless how much you withdraw from the deposit. See the terms and conditions for more information about these life events. </p>"},"textLinks":[{"url":"/en/personal/savings/calculation-example-savings-deposit","text":"View the calculation example"}]},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{"url":"https://assets.ing.com/m/f2462df8acc0901b/original/Voorwaarden-Spaardeposito.pdf","text":"ING savings deposit terms and conditions (PDF)"},{"url":"https://assets.ing.com/m/258ad9c5ea37abb7/original/Conditions-ING-Green-Savings-Deposit.pdf","text":"Conditions ING Green Savings Deposit (PDF)"}]},{"componentType":"linkList","iconTitle":{"title":"Saving"},"textLinks":[{"url":"/particulier/sparen/niet-meer-te-openen-spaarrekeningen/niet-actieve-spaarproducten","text":"Unavailable savings accounts"},{"url":"/particulier/sparen/meer-dan-sparen","text":"More than just saving"},{"url":"/particulier/sparen/renteberekening-op-je-spaarrekening","text":"Current savings rates"}]}]}}}