{"type":"document","data":{"id":"af2c3678-0708-47a7-9393-9e2eec6f2593","localeString":"en-GB","publishDate":"2026-02-18T14:41:57.067+01:00","contentType":"onecms:productPage","hasMacro":true,"macros":["Spaarrentes:PrivateindividualsOSRENG.rente.totenmet10k","Spaarrentes:PrivateindividualsOSRENG.rente.boven10ktotenmet100k","Spaarrentes:PrivateindividualsOSRENG.rente.boven100ktotenmet1M","Spaarrentes:PrivateindividualsOSRENG.rente.boven1M","Spaarrentes:PrivateindividualsGGRENG.rente.totenmet10k","Spaarrentes:PrivateindividualsGGRENG.rente.boven10ktotenmet100k","Spaarrentes:PrivateindividualsGGRENG.rente.boven100ktotenmet1M","Spaarrentes:PrivateindividualsGGRENG.rente.boven1M","Spaarrentes:PrivateindividualsOSRENG.rente.ingangsdatum","Profile.Fixe:Spaardeposito.1jtot10K.EN","Profile.Fixe:Spaardeposito.1jrmeerdan10K.EN","Profile.Fixe:Spaardeposito.3jr.EN","Profile.Fixe:Spaardeposito.5jr.EN","Profile.Fixe:Groendeposito.1jr.EN","Profile.Fixe:Spaardeposito.datum","Profile.Fixe:Groendeposito.datum"],"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"The current interest rate per personal savings account with a variable interest rate.","taxonomies":{"productTaxonomy":{"taxonomyKeys":["products","savings","523","506"],"taxonomyType":"productTaxonomyContainer"}}},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"On this page, you'll find an overview of the current interest rates for each savings product and how we calculate them. Whether you choose an Orange Savings Account, Savings Deposit, Green Savings Deposit, or a Child Savings Account for your child, we'll explain the applicable interest rates and how they're calculated. This way, you'll know exactly what to expect and can discover which savings product best suits your financial situation.\r\n\r\nThe (variable or fixed) interest rate is calculated daily on the total balance of your savings account. The interest rate may vary by balance category. A balance category is a category of balance size that determines the applicable interest rate.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/cec6f1b2-b634-48be-bb17-db20c97e8fae/Close-up-view-of-multi-colored-abacus-beads","type":"image","width":4240,"original":"https://assets.ing.com/m/39b23b3d2a1df620/original/Close-up-view-of-multi-colored-abacus-beads.jpg","extension":"jpg"},"title":"Current ING savings interest rates: Overview of savings products and how the calculation is made."},"backLink":{"textLink":{"url":"/en/personal/savings","text":"All about saving"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Interest on variable savings accounts with a variable interest rate"},{"componentType":"paragraph","richBody":{"value":"
Savings AccountSavings balanceSavings interest
Orange Savings Account*€ 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}%
Child Savings Account*€ 0 to € 10,000%{Spaarrentes:PrivateindividualsGGRENG.rente.totenmet10k}%
 € 10,000 to € 25,000%{Spaarrentes:PrivateindividualsGGRENG.rente.boven10ktotenmet100k}%
 € 25,000 to € 1,000,000%{Spaarrentes:PrivateindividualsGGRENG.rente.boven100ktotenmet1M}%
 Above € 1,000,000%{Spaarrentes:PrivateindividualsGGRENG.rente.boven1M}%

*These rates are variable and annual and apply per %{Spaarrentes:PrivateindividualsOSRENG.rente.ingangsdatum}%. Balance classes are subject to change.

"}},{"componentType":"accordion","accordionList":[{"title":"How is this variable annual interest rate calculated?","richBody":{"value":"

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.

"}}]},{"componentType":"accordion","accordionList":[{"title":"How does interest payment work?","richBody":{"value":"

Example calculation:

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.

"}}]},{"componentType":"cta","textLink":{"url":"/en/personal/savings/savings-account","text":"More about Orange Savings Account"}},{"componentType":"cta","textLink":{"url":"/en/personal/children/products/childrens-savings-account","text":"More about Child Savings Account"}},{"componentType":"sectionTitle","title":"Interest on savings accounts with a fixed term"},{"componentType":"paragraph","richBody":{"value":"
Savings Account

Term 

Interest on deposits of €500 - €10,000 

Interest on deposits of €10,000 or more

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}%

*These rates apply per %{Profile.Fixe:Spaardeposito.datum}%. Interest rate changes reserved.

**These rates apply per %{Profile.Fixe:Groendeposito.datum}%. Interest rate changes reserved.

"}},{"componentType":"accordion","accordionList":[{"title":"How is the fixed interest rate calculated?","richBody":{"value":""}}]},{"componentType":"accordion","accordionList":[{"title":"How does interest payment work on an ING Savings Deposit or Green Savings Deposit?","richBody":{"value":"

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.

"}}]},{"componentType":"cta","textLink":{"url":"/en/personal/savings/savings-deposit","text":"More about Savings Deposit"}},{"componentType":"cta","textLink":{"url":"/en/personal/savings/green-savings-deposit","text":"More about 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.

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.

"}},{"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":{"url":"/en/personal/investing","text":"Discover investing"}},{"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"}]}]}}}