With a Savings Deposit, you lock your money away for a fixed period—such as 9 months. During this term, you receive a fixed interest rate, calculated annually. This way, you know exactly what to expect and you get more out of your savings.
"},"title":"What is a Savings Deposit? "},{"componentType":"sectionTitle","title":"How does the promotion work? "},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/e6f4e29d58b8378/original/Money-calendar-coins.svg","transformBaseUrl":"https://assets.ing.com/transform/368e2688-8de8-442a-a268-b742619e7f0c/Money-calendar-coins"},"componentType":"paragraph","richBody":{"value":"You receive a fixed annual interest rate of 2.70% on new savings that you deposit into the 6-month Savings Deposit at ING. But what do we mean by new savings?
Here’s how we calculate it:
On June 20, we will look at the total amount in all your ING accounts. This includes your Current Accounts, Savings Accounts, Savings Deposits, and the cash portion of your Investment Accounts.
New savings are defined as the total amount you receive in your ING accounts during the promotional period (June 25 to July 10), in addition to the previously determined total amount, minus all debits from your ING accounts during that period.
You may deposit this new savings into the 9-month Savings Deposit with promotional interest. You can view how much you can deposit at any time in the ING app.
Please note:
If money is withdrawn from your ING accounts (for example, via direct debit or transfer), this reduces the amount you are allowed to deposit.
Previous deposits into a Savings Deposit during the promotion period also count as withdrawals.
You can read the full terms and conditions for this promotion here.
"}},{"componentType":"cta","textLink":{"text":"Open Savings Deposit","url":"https://mijn.ing.nl/banking/savings/NL_SPRDEP/open"}},{"componentType":"sectionTitle","title":"Want to deposit more into the 9-month Savings Deposit than is currently available to you?"},{"componentType":"paragraph","richBody":{"value":"You can! Between June 25 and July 10, 2026, you can deposit additional funds into your ING account(s). This extra amount counts as new savings and determines how much you can deposit into the 9-month Savings Deposit with a temporary promotional interest rate of 2.70% per year. The more you deposit, the higher your allowed deposit will be. In other words: deposit more = benefit more.
Please note: You have until July 10 to open the 9-month Savings Deposit with the temporary promotional interest rate of 2.70% per year. ING reserves the right to unilaterally end the promotion at any time.
"}},{"componentType":"sectionTitle","title":"An example calculation – How much can you deposit?"},{"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"Suppose that on June 20, 2026, you have a total of €25,000 in your ING accounts:
Current account(s): €2,000
Savings account(s): €15,000
Cash portion of Investment account: €8,000
During the promotion period (June 25 - July 10), your total balance grows to €30,000:
Current account(s): €6,000
Savings account(s): €14,000
Cash portion of Investment account: €10,000
Difference compared to June 20 = €5,000. That amount is what you may deposit into the 9-month Savings Deposit with the temporary 2.70% interest rate.
Important to know:
If money is withdrawn from your ING accounts (for example, by direct debit or transfer), this reduces the amount you are allowed to deposit.
Previous deposits into a Savings Deposit during the promotion period also count as withdrawals.
You receive a fixed interest rate that depends on the chosen term. This rate is annual and remains unchanged throughout the entire term of your Savings Deposit. This way, you know exactly what to expect.
Term | Interest for deposits from €500 - €10,000 | Interest for deposits from €10,000 or above |
9 months (promotion*) | 2.70% | 2.70% (maximum deposit: €100,000) |
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}% |
*This promotion runs from June 25 until July 10, 2026.
**These rates apply as of %{Profile.Fixe:Spaardeposito.datum}%. Interest rate changes reserved.
"}},{"componentType":"sectionTitle","title":"Example – How is the interest calculated for a 9-month term?"},{"componentType":"paragraph","richBody":{"value":"Suppose you open an ING Savings Deposit with:
Deposit: €5,000
Term: 9 months (274 days)
Fixed annual interest rate: 2.70%
Interest payout after 9 months: 2.70% / 365 * 274 days * €5,000 = €101.34 interest.
At the end of the term, your deposit plus interest will be automatically transferred to your ING savings account with a variable interest rate. View the terms and more information about the Savings Deposit here.
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions – 9-Month Savings Deposit"},{"accordionList":[{"richBody":{"value":"A Savings Deposit allows you to lock your money away for a fixed time period. You choose the term, make a one-time deposit, and receive a fixed interest rate for the duration. The minimum deposit for an ING Savings Deposit is €500.
During the term of the Savings Deposit, you receive a fixed interest rate (per year) on the amount you have deposited.
Would you like to withdraw money from your ING Savings Deposit or ING Green Savings Deposit during the term? Please contact our customer service.
Once the period ends, we automatically transfer the amount, including the accrued interest, back to your Orange Savings Account. If you don't have an Orange Savings Account yet, we will automatically open one for you.
Advantage: You know in advance exactly how much interest you will earn on your money in the Savings Deposit.
A 9-month Savings Deposit is a Savings Deposit with a term of 9 months.
"},"title":"What is a 9-month Savings Deposit?"},{"richBody":{"value":"The minimum deposit is €500. The maximum deposit for the 9-month Savings Deposit is €100,000.
"},"title":"What is the minimum deposit for the 9-month Savings Deposit and what is the maximum deposit?"},{"richBody":{"value":"We look at the total amount in all your ING accounts on June 20, 2026. This includes your current accounts, savings accounts, Savings Deposits, and the cash portion of your investment accounts. Anything you deposit above that amount during the promotional period counts as new savings. You may deposit this into the 9-month Savings Deposit with the promotional interest rate.
Please note: all debits during this period reduce the amount that can be deposited.
When opening the Savings Deposit, you’ll see the amount eligible for the Savings Deposit. Want to check the amount yourself?
For example, download a statement for all your different accounts with an end date of June 20, 2026. In the app, you do this via the “Service” page by clicking on “Your account” and then going to “Download statements”.
You can download a statement for the cash portion of your investment account by first going to your investment account in the app. Click on “Settings” and then click on “Download statement”.
Add up the amounts of all statements from June 20. Compare this with the current total balance of your current accounts, savings accounts, Savings Deposits, and the cash portion of your investment accounts. You may deposit the difference into the 9-month Savings Deposit with promotional interest.
No, the value of your investments has no influence. To determine the balance on accounts at ING, we only look at the cash portion of your investment account. So, the amount that is not invested.
"},"title":"Does the value of my investment account affect my maximum deposit?"},{"richBody":{"value":"As a bank, we want to continue growing so we can continue investing in our services and developing new products. To make that possible, we want to attract new savings. This campaign helps us to achieve that. At the same time, our customers can benefit from an attractive interest rate. A win-win situation, in other words.
"},"title":"Why does only new savings count as new money?"},{"richBody":{"value":"After the term of the Savings Deposit ends—in this case, 9 months—ING will transfer the full amount including interest to your savings account (Oranje Spaarrekening). If you do not yet have a savings account at that time, we will automatically and free of charge open one for you.
"},"title":"How is the payout handled after the 9-month Savings Deposit ends?"},{"richBody":{"value":"Yes, a trustee may open a Savings Deposit for the customer. The request can be submitted by email to bewindvoering@ing.nl.
"},"title":"As a guardian, can I open a Savings Deposit for a person under guardianship?"}],"componentType":"accordion"},{"componentType":"paragraph","richBody":{"value":"Check promotional terms and conditions here.
Check here for the terms and more information about the Savings Deposit.