Opening a savings account is easy. You can do so in our app or by logging in at ing.nl. If you don't bank with ING yet, open a current account first.
"}},{"componentType":"cta","textLink":{"text":"Start saving","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 vacation? 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":"Schedule withdrawals"},{"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 goal? 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 on the day you receive your salary.\r\n\r\nTip: worried you'll be withdrawing from your piggy bank anyway? You can hide your piggy banks 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":"Read more","url":"/en/personal/savings/automatic-savings"},"title":"Automatic deposits"},{"body":"Multiple dreams, multiple savings goals. With a savings account, you can easily create different piggy banks. Each with a designated name and savings 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":"Read more","url":"/en/personal/savings/savings-goals"},"title":"A piggy bank 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 Oranje Spaarrekening"},{"componentType":"paragraph","richBody":{"value":"
| Balance | Interest |
|---|---|
| € 0 to € 10,000 | %{Spaarrentes:PrivateindividualsOSRENG.rente.totenmet10k}% |
| € 10,000 to € 100,000 | %{Spaarrentes:PrivateindividualsOSRENG.rente.boven10ktotenmet100k}% |
| € 100,000 to €1,000,000 | %{Spaarrentes:PrivateindividualsOSRENG.rente.boven100ktotenmet1M}% |
| Above € 1,000,000 | %{Spaarrentes:PrivateindividualsOSRENG.rente.boven1M}% |
These rates apply as of %{Spaarrentes:PrivateindividualsOSRENG.rente.ingangsdatum}%. The interest rate on a savings account is variable and on an annual basis.
The interest on your Oranje Spaarrekening is calculated based on the total amount of your savings goals.
"},"textLinks":[{"text":"How is the interest calculated?","url":"/particulier/sparen/renteberekening-op-je-spaarrekening"}]},{"componentType":"sectionTitle","title":"Inflation and your savings"},{"componentType":"paragraph","richBody":{"value":"
You'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?
Say you're saving for an electric car, a holiday or a renovation. What can you even buy for that money in five years?
"},"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":"
Important information you should know about savings accounts before opening one.
"},"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":"Start saving","url":"https://mijn.ing.nl/banking/mobile/savings/NL_ORANJE_SPRRKG/open?EW=true"}},{"accordionList":[{"richBody":{"value":"My ING
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 'Oranje Spaarrekening'. Read the information and choose 'open now'. Here you will see the terms and conditions and you can click 'agree' if you agree and want to open the account.
Click on the new savings account in your overview and then on 'deposit'. Choose the amount you want to deposit and add a description.
Mobile Banking App
Open a savings account directly and start saving easily. Open your Mobile Banking app, choose 'products' at the bottom right and click on 'savings'. There you will see the full range of our savings products. Choose the 'Oranje Spaarrekening' and within a few clicks you are done.
Click on the new savings account in your overview and then on 'deposit'. Choose the amount you want to deposit and add a description.
"},"title":"How do I open a savings account?"},{"richBody":{"value":"Your savings account doesn't have a designated IBAN but is linked on your own Current account. To deposit money into your savings account, you must transfer it to your current account first.
"},"title":"What is my savings account's IBAN?"},{"richBody":{"value":"Withdrawing money from your savings account is quick and easy. In My ING or the app, go to your savings account and select 'Withdraw’. Then follow the steps.
"},"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:PrivateindividualsOSRENG.rente.boven10ktotenmet100k","Spaarrentes:PrivateindividualsOSRENG.rente.boven100ktotenmet1M","Spaarrentes:PrivateindividualsOSRENG.rente.boven1M","Spaarrentes:PrivateindividualsOSRENG.rente.ingangsdatum"],"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":{"body":"Offer","labelType":"commercial"},"subtitle":"Enjoy the perks of saving with a savings account (Oranje Spaarrekening). Like savings lock, automatic deposits and being able to withdraw your money anytime, anywhere.","title":"Open a Savings Account"},"cta":{"componentType":"cta","microCopy":"Join 5 million other customers","textLink":{"text":"Start saving ","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 piggy banks","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:PrivateindividualsOSRENG.rente.totenmet10k}% interest","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":"2026-05-21T16:00:00.314+02:00"}}