{"type":"document","data":{"id":"aa63133d-3b0b-41f0-bd27-e57bcaa68cba","localeString":"en-GB","publishDate":"2026-01-22T17:00:28.330+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"With an ING green savings deposit (Groen Spaardeposito) you contribute to a better world and get tax benefits. Discover all the benefits.","taxonomies":{"productTaxonomy":{"taxonomyKeys":["products","savings","510"],"taxonomyType":"productTaxonomyContainer"}}},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"With an ING green savings deposit, you contribute to a better world in terms of sustainability and could get tax benefits at the same time. Discover all the benefits below.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/a748038f-7d74-4ceb-b8c9-16f700cb11ea/Woman-laughing-while-a-green-parrot-is-sitting-on-her-shoulder","type":"image","width":6000,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/17ea1eb1e418e39c/original/Woman-laughing-while-a-green-parrot-is-sitting-on-her-shoulder.jpg","extension":"jpg"},"title":"Partial tax-free saving","subtitle":"Save with tax benefits with the ING green savings deposit (Groen Spaardeposito)"},"backLink":{"textLink":{"url":"/en/personal/savings","text":"savings"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Tax on your assets"},{"componentType":"paragraph","richBody":{"value":"<p>The Netherlands Tax Administration sees your savings as part of your assets. You pay tax on your assets in box 3 of your tax return (box 3 tax). The tax-free allowance is €<span><span><span><span>59,357</span></span></span></span> (2026). You pay box 3 tax on your assets above €<span><span><span><span>59,357</span></span></span></span>. Tax partners have a tax-free allowance of € <span><span><span lang=\"EN-US\" dir=\"ltr\"><span>118,714</span></span></span></span> together (2026).</p>"}},{"componentType":"sectionTitle","title":"Extra allowance for ING green savings deposit"},{"componentType":"paragraph","richBody":{"value":"<p>There’s a tax-free allowance of €26,715 (2026) for money in an <a data-type=\"internal\" href=\"/particulier/sparen/groen-spaardeposito\">ING green savings deposit</a>. This is in addition to the personal €<span><span><span><span>59,357</span></span></span></span> allowance. If you have a tax partner, this tax benefits applies up to €<span><span><span lang=\"EN-US\" dir=\"ltr\"><span>53,430</span></span></span></span> (2026). If you have more than that in your ING green savings deposit, you only pay box 3 tax on the amount above €26,715 (or €53,430).</p>"}},{"componentType":"sectionTitle","title":"Additional tax credit"},{"componentType":"paragraph","richBody":{"value":"<p>In addition to the exemption from capital gains tax, there is also an additional tax credit. You can deduct this from your income tax. The tax credit is calculated on the total amount of your green investments, including the balance on your ING green savings deposit, up to a maximum of €26,715 (2026). In 2026, a tax credit of 0.1% will apply.</p>"}},{"componentType":"sectionTitle","title":"Reference date"},{"componentType":"paragraph","richBody":{"value":"<p>The Tax Administration measures the assets in box 3 at 1 January (reference date). This means that if you open a green savings deposit after 1 January 2026, the tax benefit will apply to your 2027 income tax return.</p><p> </p>"}},{"componentType":"sectionTitle","title":"Important"},{"componentType":"paragraph","richBody":{"value":"<p>All amounts apply for 2026 unless otherwise stated.</p><ul><li><a href=\"https://www.belastingdienst.nl/wps/wcm/connect/bldcontentnl/belastingdienst/prive/inkomstenbelasting/heffingskortingen_boxen_tarieven/heffingskortingen/korting_voor_groene_beleggingen\">Netherlands Tax Administration: green investments</a></li></ul>"}},{"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"}]}]}}}