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** 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.
The interest on the Orange Savings Account (including any extra interest) is variable and calculated on an annual basis.
On your Orange Savings Account, interest is calculated by adding up the balances of the various Savings Goals. With a Savings Goal you save specifically for a goal by choosing an amount and end date, so that you can easily see how much you have already saved and what you still need.
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 here.
The interest rate on the Orange Savings Account and the Child Savings Account is variable and calculated annually. We use balance classes: these are groups of balance amounts. Depending on the amount of money in your account, the interest rate may vary.
Example calculation:
On January 1, there is €5,000 in your Oranje Savings Account. On March 1, you deposit an amount of €1,000. For the rest of the year, you make no additional deposits or withdrawals.
Example with an interest rate of 1.25% (for a balance of €0 to €10,000)
The interest is calculated daily based on the balance currently in your account:
1.25% * €5,000 * (59 days / 365 days) = €10.10
1.25% × €6,000 × (306 days / 365 days) = €62.88 = €62.88
Total interest over the year: €10.10 + €62.88 = €72.98
The interest is credited once a year, on January 1, per Savings Goal.
This is a sample calculation. The balance classes and interest rates above are subject to change. For current balance classes and rates, please see the relevant product page.
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| Savings Deposit* | 1 year | %{Profile.Fixe:Spaardeposito.1jtot10K.EN}% | %{Profile.Fixe:Spaardeposito.1jrmeerdan10K.EN}% |
3 years | %{Profile.Fixe:Spaardeposito.3jr.EN}% | %{Profile.Fixe:Spaardeposito.3jr.EN}% | |
5 years | %{Profile.Fixe:Spaardeposito.5jr.EN}% | %{Profile.Fixe:Spaardeposito.5jr.EN}% | |
| Green Savings Deposit* | 1 year | %{Profile.Fixe:Groendeposito.1jr.EN}% | %{Profile.Fixe:Groendeposito.1jr.EN}% |
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Example calculation:
This is a sample calculation. The interest rates above are subject to change. For current balance classes and percentages, please see the relevant product page.
"},"title":"Calculation example"},{"richBody":{"value":"Money in this account is legally protected under the Dutch Deposit Guarantee, from 1 cent to €100,000. This protection applies per bank and per person. For more information, visit Protecting your money- ING.
"},"title":"Good to know about the Dutch Deposit Guarantee Scheme"}],"componentType":"accordion"},{"componentType":"cta","textLink":{"text":"More about Savings Deposit","url":"/en/personal/savings/savings-deposit"}},{"componentType":"cta","textLink":{"text":"More about Green Savings Deposit","url":"/en/personal/savings/green-savings-deposit"}},{"componentType":"sectionTitle","title":"How interest is calculated"},{"componentType":"paragraph","richBody":{"value":"At the end of each day, we calculate how much interest you accrue that day. This is calculated as follows: the interest rate applicable to the balance class, divided by 365 (days in a year), multiplied by the balance. In a leap year, the year is set at 366 days.
At ING, you can choose a savings account with a fixed interest rate or a variable interest rate. Discover how savings interest works and what the key differences are between fixed and variable interest.
"}},{"componentType":"cta","textLink":{"text":"Read more about savings interest","url":"/en/personal/savings/savings-interest-rate"}},{"componentType":"sectionTitle","title":"Discover our smart savings tools"},{"componentType":"paragraph","richBody":{"value":"Make saving easier and more fun with our smart savings tools. Discover Automatic Savings, Savings Goals, Round up & Save, and Savings Lock. Which tool will you choose? Smart saving feels good.
"}},{"componentType":"sectionTitle","title":"Getting more out of your money: saving or investing?"},{"componentType":"paragraph","richBody":{"value":"Besides saving, you can also invest to potentially achieve a higher return. Keep in mind that investing involves risks: you could lose (part of) your investment. Therefore, investing is only suitable if you're willing to take risks and don't need your money right away.
"}},{"componentType":"cta","textLink":{"text":"Saving or investing?","url":"/en/personal/investing/investments-at-ing/saving-or-investing"}},{"componentType":"sectionTitle","title":"Disclaimer"},{"componentType":"paragraph","richBody":{"value":"Despite the constant care and attention ING devotes to the composition of its website www.ing.nl, it is unfortunately possible that the rates listed contain typographical errors. ING is not liable for any direct or indirect damages that may result to you from any typographical errors.
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