{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Open a savings account (Oranje Spaarekening) and create up to 10 piggy banks. It comes free with an ING current account and takes just a couple of minutes to open.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Open a free Orange Savings Account (Oranje Spaarrekening)"},{"componentType":"paragraph","richBody":{"value":"<p>Opening a savings account is easy. You can do so in our app or by logging in at ing.nl. If you don&apos;t bank with ING yet, <a data-type=\"internal\" href=\"/en/personal/payments/bank-accounts/open-an-account\">open a current account</a> first.</p>"}},{"componentType":"cta","textLink":{"text":"Open Orange Savings Account","url":"https://mijn.ing.nl/banking/mobile/savings/NL_ORANJE_SPRRKG/open?EW=true"}},{"componentType":"sectionTitle","title":"Targeted savings for different goals"},{"componentType":"appPromoter","featureSlideList":[{"body":"Going on holiday? Set a date on which you'd like to transfer money from your savings account to your current account. This may come in handy when it's time to make your rent or mortgage payment, for instance.","image":{"extension":"png","original":"https://assets.ing.com/m/60dfd790f9a3e222/original/Spaarrekening_ENG.png","transformBaseUrl":"https://assets.ing.com/transform/149d892f-d570-4a1e-a029-7d0551aef01f/Spaarrekening_ENG","type":"image","width":750},"title":"Automatic Savings"},{"body":"Are you trying to save for something special, like that long trip through Europe? But are ads flying at you and do you often feel tempted to dip into your savings? Try temporarily locking it. This gives you some time to think and makes saving even easier.","image":{"extension":"png","original":"https://assets.ing.com/m/1d96d747b9699602/original/Spaarslot-ENG.png","transformBaseUrl":"https://assets.ing.com/transform/87eccfb7-1893-4408-b259-adcb15a90a1c/Spaarslot-ENG","type":"image","width":375},"link":{"text":"More about Savings Lock","url":"/en/personal/savings/savings-lock"},"title":"Savings Lock"},{"body":"Saving is not always easy. Automatic deposits can help. Even a small amount deposited on the day you receive your salary.\r\n\r\nTip: if you're worried you'll be withdrawing from your Savings Goal anyway? You can hide your Savings Goals in your app and My ING through the eye icon on the top right of your overview.","image":{"extension":"png","original":"https://assets.ing.com/m/66efab1e8258eb9d/original/SPAREN-Automatisch-Sparen-UK.png","transformBaseUrl":"https://assets.ing.com/transform/77f35b9d-37cc-42ba-a8ad-183c00e2f61e/SPAREN-Automatisch-Sparen-UK","type":"image","width":375},"link":{"text":"More about Automatic Savings","url":"/en/personal/savings/automatic-savings"},"title":"Automatic Savings"},{"body":"Multiple dreams, multiple Savings Goals. With a savings account, you can easily create different Savings Goals. Each with a designated name and goal.","image":{"extension":"png","original":"https://assets.ing.com/m/31c7a406fc264b58/original/Savings-goal-ENG.png","transformBaseUrl":"https://assets.ing.com/transform/0714276d-da8d-44b6-be41-6eed97843189/Savings-goal-ENG","type":"image","width":375},"link":{"text":"More about Savings Goals","url":"/en/personal/savings/savings-goals"},"title":"A Savings Goal for each goal"},{"body":"Save almost unnoticed with Round up & Save. With every payment, in-store or online, the amount is automatically rounded up and the difference deposited into your savings account. This way, you can effortlessly put money aside, simply with your spare change.","image":{"extension":"png","original":"https://assets.ing.com/m/5e0cef397488475a/original/Round-up-and-save-ENG.png","transformBaseUrl":"https://assets.ing.com/transform/3f48ee9b-1782-44ed-996b-f3560d0114c8/Round-up-and-save-ENG","type":"image","width":375},"link":{"text":"More about Round up & Save","url":"/en/personal/savings/round-up-and-save"},"title":"Round up & Save"}]},{"componentType":"sectionTitle","title":"Interest rates Orange Savings Account"},{"componentType":"paragraph","richBody":{"value":"<table><thead><tr><th>Balance</th><th>Interest*</th><th>Extra interest ING Extra**</th><th>Extra interest ING Max**</th></tr></thead><tbody><tr><td>€ 0 to € 10,000</td><td>%{Spaarrentes:PrivateindividualsOSRENG.rente.totenmet10k}%</td><td><p>+%{Spaarrentes:PrivateindividualsORANJEBEST-additionelerenteENG.rente.totenmet10K}%</p></td><td><p>+%{Spaarrentes:PrivateindividualsORANJEULTIMATE-additionelerenteENG.rente.totenmet10K}%</p></td></tr><tr><td>From € 10,000 to € 100,000</td><td>%{Spaarrentes:PrivateindividualsOSRENG.rente.boven10ktotenmet100k}%</td><td> </td><td> </td></tr><tr><td>From € 100,000 to €1,000,000</td><td>%{Spaarrentes:PrivateindividualsOSRENG.rente.boven100ktotenmet1M}%</td><td> </td><td> </td></tr><tr><td>Above € 1,000,000</td><td>%{Spaarrentes:PrivateindividualsOSRENG.rente.boven1M}%</td><td> </td><td> </td></tr></tbody><tbody /></table><ul><li>* This interest applies from %{Spaarrentes:PrivateindividualsOSRENG.rente.ingangsdatum}%.</li><li><p>** The extra interest applies from June 10, 2026, for customers with an ING Extra or ING Max payment package. On balances up to €10,000 in the Orange Savings Account, these customers receive up to 1.75% interest (1.25% + 0.50%) with ING Extra and up to 2.25% interest (1.25% + 1.00%) with ING Max.</p></li><li><p>The interest on the Orange Savings Account (including any extra interest) is variable and calculated on an annual basis.</p></li><li><p>On your Orange Savings Account, interest is calculated by adding up the balances of the various savings goals.</p></li><li><p>The amount of extra variable interest you may receive on (part of) the balance in your Orange Savings Account depends on the payment package you have chosen and may vary per package. Upon changing or terminating the payment package, this additional interest will lapse, depending on your package choice. You can find more information about the ING Extra and ING Max payment packages <a data-type=\"internal\" href=\"/en/personal/plans/new-plans\">here</a>.</p></li></ul>"},"textLinks":[{"text":"How is the savings interest calculated?","url":"/en/personal/savings/savings-account-interest-calculation"}]},{"componentType":"sectionTitle","title":"Inflation and your savings"},{"componentType":"paragraph","richBody":{"value":"<p>You&apos;ve probably seen it on the news: life is getting more and more expensive. That’s because of inflation – money is becoming increasingly less valuable. But what does that mean for your savings?</p><p>Say you&apos;re saving for an electric car, a holiday or a renovation. What can you even buy for that money in five years?</p>"},"textLinks":[{"text":"Calculate what your savings will be worth in the future","url":"/particulier/sparen-en-beleggen/inflatie-berekenen"}]},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"<ul><li>Your money in this account is legally protected under the <a href=\"https://www.dnb.nl/betrouwbare-financiele-sector/nederlandse-depositogarantie/\">Dutch Deposit Guarantee</a>, from 1 cent to €100,000. <a data-type=\"internal\" href=\"/en/personal/savings/deposit-guarantee-scheme\">This protection of your money</a> applies per bank and per person.</li><li>You cannot link a savings account to a different account. You can only close a savings account, then open a new one and link it to the desired current account.</li><li><span><span>You can open one Orange Savings Account (Oranje Spaarrekening) for every current account you have.</span></span></li><li>You&apos;ll receive or pay interest once a year (on 1 January). The interest is deposited to or debited from the savings account for each savings goal.</li><li>You can view the interest rate calculation details in the transaction overview of your account or savings goals. Select &quot;How do we calculate this?&quot;.</li><li>The interest rate on a savings account is variable and determined once every year. </li></ul>"}},{"componentType":"paragraph","richBody":{"value":"<p>Important information you should know about savings accounts before opening one.</p>"},"textLinks":[{"text":"View terms and conditions","url":"https://assets.ing.com/m/4144f92ab9e9da9c/original/terms_and_conditions_oranje_spaarrekening.pdf"}],"title":"Terms and conditions"},{"componentType":"cta","textLink":{"text":"Open Orange Savings Account","url":"https://mijn.ing.nl/banking/mobile/savings/NL_ORANJE_SPRRKG/open?EW=true"}},{"accordionList":[{"richBody":{"value":"<p><strong>My ING</strong> <br />Open a savings account directly and start saving easily. Log in to My ING and confirm this login with your Mobile Banking App. Go to products and click on Orange Savings Account (Oranje Spaarrekening). Read the information and choose &quot;open now&quot;. Here you will see the terms and conditions and you can click &quot;agree&quot; if you agree and want to open the account.</p><p>Click on the new savings account in your overview and then on &apos;deposit&apos;. Choose the amount you want to deposit and add a description.</p><p><strong>Mobile Banking App</strong> <br />Open a savings account directly and start saving easily. Open your Mobile Banking app, choose &quot;products&quot; at the bottom right and click on &quot;savings&quot;. There you will see the full range of our savings products. Choose the Orange Savings Account and within a few clicks you are done.</p><p>Click on the new savings account in your overview and then on &apos;deposit&apos;. Choose the amount you want to deposit and add a description.</p>"},"title":"How do I open a savings account?"},{"richBody":{"value":"<p>Your savings account doesn&apos;t have a designated IBAN but is linked to your own Current account. To deposit money into your savings account, you must transfer it to your current account first.</p>"},"title":"What is my savings account's IBAN?"},{"richBody":{"value":"<p>Withdrawing money from your savings account is quick and easy. In My ING or the app, go to your savings account and select &quot;Withdraw&quot;. Then follow the steps.</p>"},"title":"How do I send money from my savings account to my current account?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"More about"},"textLinks":[{"text":"All about savings interest rates","url":"/particulier/sparen/spaarrente"},{"text":"Automatic savings","url":"/en/personal/savings/automatic-savings"},{"text":"Savings goals","url":"/en/personal/savings/savings-goals"},{"text":"Round up & Save","url":"/particulier/sparen/rond-af-spaar"}]},{"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"}]},{"componentType":"feature","featureName":"survey-starter?surveyName=e3369100-b147-4574-ba37-44304ee06439&withCard=True"}]},"hasMacro":true,"id":"869ec71e-9c5a-413b-ab55-4f3857e9a0cb","localeString":"en-GB","macros":["Spaarrentes:PrivateindividualsOSRENG.rente.totenmet10k","Spaarrentes:PrivateindividualsORANJEBEST-additionelerenteENG.rente.totenmet10K","Spaarrentes:PrivateindividualsORANJEULTIMATE-additionelerenteENG.rente.totenmet10K","Spaarrentes:PrivateindividualsOSRENG.rente.boven10ktotenmet100k","Spaarrentes:PrivateindividualsOSRENG.rente.boven100ktotenmet1M","Spaarrentes:PrivateindividualsOSRENG.rente.boven1M","Spaarrentes:PrivateindividualsOSRENG.rente.ingangsdatum","Spaarrentes:PrivateindividualsORANJEULTIMATE-absoluterenteENG.rente.totenmet10K"],"mainHeaderZone":{"backLink":{"textLink":{"text":"All about saving","url":"/en/personal/savings"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/12a0659e6051f850/original/People-riding-bicycle-by-railing-against-sea.jpg","transformBaseUrl":"https://assets.ing.com/transform/ff5ac05b-22ab-432d-88a3-b055ed2e7f04/People-riding-bicycle-by-railing-against-sea","type":"image","width":6720},"promoLabel":{"labelType":"commercial"},"subtitle":"Enjoy the benefits of saving with an Orange Savings Account (Oranje Spaarrekening). Such as creating Savings Goals, making automatic deposits, and being able to withdraw your money anytime, anywhere.","title":"Open a Savings Account"},"cta":{"componentType":"cta","microCopy":"6 million customers went before you","textLink":{"text":"Open Orange Savings Account","url":"https://mijn.ing.nl/banking/mobile/savings/NL_ORANJE_SPRRKG/open?EW=true"}},"usps":[{"body":"Included in your current account","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Create up to 10 Savings Goals","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Up to %{Spaarrentes:PrivateindividualsORANJEULTIMATE-absoluterenteENG.rente.totenmet10K}% interest on the first €10,000","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}}]},"publishDate":"2026-07-29T13:21:46.418+02:00"}}