{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Open a green savings account (ING Groen Spaardeposito) and contribute to a better world while enjoying tax benefits at the same time.","robotInstruction":{"noFollow":false,"noIndex":false},"taxonomies":{"productTaxonomy":{"taxonomyKeys":["products","savings","510"],"taxonomyType":"productTaxonomyContainer"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Green savings deposit at a glance"},{"componentType":"paragraph","richBody":{"value":"<p>With a savings deposit, you can lock in your money for a fixed term. With an ING green savings deposit, the term is a year. For the duration of the term, you&apos;ll benefit from a fixed interest rate on your savings, so you&apos;ll always know exactly where you stand. The minimum amount that must be deposited into an ING green savings deposit is €5,000.</p>"}},{"componentType":"sectionTitle","title":"Your contribution to a better world"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span>We invest at least 70% of the money you deposit in a </span></span></span></span>green savings deposit<span><span><span><span> in green projects such as solar parks, energy-neutral hotels, and making businesses more sustainable. We invest the remaining 30% in green projects as much as possible, but this may also include non-sustainable projects. </span></span></span></span></p>"},"textLinks":[{"text":"More about sustainable savings at ING","url":"/particulier/sparen/duurzaam-sparen-bij-de-ing"}]},{"componentType":"sectionTitle","title":"Interest rates"},{"componentType":"paragraph","richBody":{"value":"<p>With an ING green savings deposit, you benefit from a fixed interest rate. That means the interest rate will not change for the duration of the term.</p><ul><li>The agreed upon interest rate is on an annual basis (365 days).</li><li>This is how the interest is accrued daily: interest rate / 365 x your account balance.</li><li>The interest is deposited into your current account, so you won&apos;t have to pay interest on your green savings deposit.</li></ul><p> </p><table><thead><tr><th>Term</th><th>Interest rate</th></tr></thead><tbody><tr><td>1 year</td><td>%{Profile.Fixe:Groendeposito.1jr.EN}%</td></tr></tbody><tbody><tr><td><p>These rates apply as of %{Profile.Fixe:Groendeposito.datum}%. Interest rate changes reserved. </p></td></tr></tbody></table>"}},{"accordionList":[{"richBody":{"value":"<p>Imagine the following:</p><ul><li>You have an ING green savings deposit</li><li>Balance: €5,000</li><li>Term: 1 year</li><li>Interest rate: 0.65% on an annual basis (example rate)</li></ul><p>Annual interest: 0.65% x €5,000 = €32.50</p><ul><li>Interest is paid annually (once every 365 days).</li><li>How the interest is accrued daily: interest rate / 365 x your account balance.</li><li>The interest is deposited into your current account, so you won&apos;t have to pay interest on your green savings deposit.</li></ul>"},"title":"How do annual interest payments work?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Open an ING green savings deposit"},{"componentType":"paragraph","richBody":{"value":"<p>You can easily and quickly open an ING green savings deposit in the ING app or online in My ING.</p><p>If you&apos;re not using My ING or the mobile banking app yet, we&apos;d be happy to help you get started at an ING service point or branch. If you&apos;d like to visit a branch, please make an appointment first.</p><p>Please note: we cannot open a green savings deposit for you at an ING service point or branch. We can only help you open one with (an application for) My ING or the mobile banking app.</p>"}},{"componentType":"cta","textLink":{"text":"Start saving","url":"https://mijn.ing.nl/banking/savings/NL_GROEN_SPRDEP/open"}},{"componentType":"paragraph","richBody":{"value":"<p>As of 1 July 2024, ING Groenbank N.V. will cease to exist as a legal entity. ING Groenbank N.V. will become part of ING Bank N.V., which means your savings at ING Groenbank N.V. will be transferred to ING Bank N.V. All of your deposits that are transferred to ING Bank N.V., plus any other deposits at ING Bank, are protected by the Dutch Deposit Guarantee of ING Bank N.V. The Dutch Deposit Guarantee protects your deposits at ING Bank N.V. up to €100,000. The fiscal details of this product and the terms and conditions of an ING green savings will stay the same when ING Groenbank ceases to exist as a legal entity. The only change is that ING Bank N.V. will be listed in the terms and conditions as the deposit manager.</p>"},"title":"ING Groenbank to merge with ING Bank"},{"componentType":"sectionTitle","title":"Your tax benefits with an ING green savings deposit"},{"componentType":"paragraph","richBody":{"value":"<ul><li>The Dutch government stimulates investments in sustainable projects. If you have an ING green savings deposit, you may benefit from tax advantages. You might save on capital gains tax in box 3. The amount of this saving depends on your personal situation. Additionally, there is a tax credit on the exempt amount in green investments to which you and your partner are entitled. This tax credit can be deducted from your income tax.</li><li>The Netherlands Tax Administration determine the assets in box 3 as of January 1 (reference date). Note that for your 2026 tax return (reference date January 1, 2026), the exemption is €26,715 (€53,430 for fiscal partners) and the tax credit for green investments is 0,1%. <span><span>The exemption for the 2027 tax year (reference date January 1, 2027) is €200 (€400 for fiscal partners). The tax credit is 0.1%. These arrangements will in all likelihood be completely phased out as of January 1, 2028. </span></span>Legislative changes can affect the tax benefit. More information can be found on the <a href=\"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/vermogen_en_aanmerkelijk_belang/vermogen/beleggen_met_belastingvoordeel/groene_beleggingen\">Tax Administration’s website</a>.</li></ul>"},"textLinks":[{"text":"More about tax benefits with an ING green savings deposit","url":"/en/personal/savings/tax-benefits-green-savings-deposit"}]},{"componentType":"sectionTitle","title":"Sustainable investments"},{"componentType":"paragraph","richBody":{"value":"<p>Combine sustainable saving and investing. Sustainable investments are available with all our investment options.</p>"},"textLinks":[{"text":"Explore your options","url":"/particulier/beleggen/duurzaam-beleggen"}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Even though your money will be locked in for a fixed term with a savings deposit, you may benefit from a higher interest rate with a savings account. And you can always withdraw money from a savings account at no additional cost.</li><li>You can only make a one-off deposit into your green savings deposit. You can, however, open multiple savings deposits.</li><li>If you withdraw money from the deposit before the end of the fixed term, charges may apply. <a data-type=\"internal\" href=\"/particulier/sparen/tussentijdseopname-spaardeposito\">Here&apos;s how it works</a>.</li><li>In the event of special circumstances (divorce, unemployment, disability, debt restructuring), you can withdraw up to €100,000 per account holder free of charge, provided that the relevant situation occurs on or after the date the deposit was opened. If you have multiple fixed-rate savings accounts, this €100,000 exemption applies to all savings accounts combined.</li><li>If you want to cancel your green savings deposit before the end of the term, charges may apply. <a data-type=\"internal\" href=\"/particulier/klantenservice/bankzaken-beginnen-of-beeindigen/spaarrekening-vaste-rente-opzeggen\">Learn more</a>.</li><li>At the end of your term, your initial deposit and the accrued interest on your savings account with a variable interest rate will be sent to green savings deposits opened from 21-08-2024. If you don&apos;t have a savings account yet, we&apos;ll open one for you.</li><li>Your savings in a green savings deposit are managed by  ING Bank N.V. Money in this account is legally protected under the <a data-type=\"internal\" href=\"/particulier/sparen/depositogarantiestelsel\">Dutch Deposit Guarantee</a>, from 1 cent to €100,000. This protection applies per bank and per person. For more information, visit <a data-type=\"internal\" href=\"/particulier/sparen/depositogarantiestelsel\">ing.nl/dgs</a>.</li></ul>"}},{"componentType":"linkList","iconTitle":{"title":"Downloads & information"},"textLinks":[{"text":"ING green savings deposit terms and conditions (PDF)","url":"https://assets.ing.com/m/258ad9c5ea37abb7/original/Conditions-ING-Green-Savings-Deposit.pdf"}]},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"All about savings interest rates","url":"/particulier/sparen/spaarrente"}]},{"componentType":"linkList","iconTitle":{"title":"Saving"},"textLinks":[{"text":"Unavailable savings accounts","url":"/particulier/sparen/niet-meer-te-openen-spaarrekeningen/niet-actieve-spaarproducten"},{"text":"More than just saving","url":"/particulier/sparen/meer-dan-sparen"},{"text":"Current savings rates","url":"/particulier/sparen/renteberekening-op-je-spaarrekening"}]}]},"hasMacro":true,"id":"fdb009cf-762b-468c-af06-408d636acc1e","localeString":"en-GB","macros":["Profile.Fixe:Groendeposito.1jr.EN","Profile.Fixe:Groendeposito.datum"],"mainHeaderZone":{"backLink":{"textLink":{"text":"All about saving","url":"/en/personal/savings"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/4bede0c7087aa2a8/original/Young-woman-on-forest-trail-meditates.jpg","transformBaseUrl":"https://assets.ing.com/transform/df07a2d4-6c42-4fbb-b4bb-9765f6dc98a9/Young-woman-on-forest-trail-meditates","type":"image","width":4904},"subtitle":"Save during a fixed term at a fixed rate. Contribute to a better world in terms of sustainability and benefit from tax advantages. That's the ING green savings deposit.","title":"Green savings deposit"},"cta":{"componentType":"cta","textLink":{"text":"Start saving","url":"https://mijn.ing.nl/banking/savings/NL_GROEN_SPRDEP/open"}},"headerNotification":{"notification":{"body":"See ‘Your tax benefit with ING green savings deposit’ for more information about the tax benefit for green investments.","notificationType":"information","personalizationTaxonomy":{"taxonomyType":"personalizationTaxonomy"},"productTaxonomy":{"taxonomyType":"productTaxonomyContainer"}}},"usps":[{"body":"Fixed interest rate and term","icon":{"altTextEN":"\"\"","altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/4502ced1e63e3ee0/original/percentage.svg","transformBaseUrl":"https://assets.ing.com/transform/e95c12ef-7593-4561-85eb-6d0e2c4374c5/percentage","type":"image","width":32}},{"body":"Tax-advantaged saving","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/5ff1f9245a34e532/original/Loans_goals-Garden_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/084d1446-655b-4620-80b6-b535efb565a9/Loans_goals-Garden_Outline","type":"image","width":32}},{"body":"From € 5,000","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/322ddaa7a44e9598/original/Savings_goals-Pig_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/5455fc3f-9953-4879-925c-06db6daa2665/Savings_goals-Pig_Outline","type":"image","width":32}}]},"publishDate":"2026-04-23T15:18:02.594+02:00"}}