Your financial situation evolves over time. To ensure your savings rate reflects this more quickly, we now review your invested assets on a weekly basis. This means your savings interest can reflect your current situation more quickly. You can see the adjusted interest rate directly in My ING and the ING App.
"},"textLinks":[{"text":"Discover investing at ING Private Banking","url":"/en/private-banking/investing"}]},{"componentType":"paragraph","richBody":{"value":"Discuss with our experts which part of your wealth should remain readily available and which part may be suitable for your longer-term investment strategy.
"},"title":"Align your savings and investments"},{"componentType":"testimonial","testimonialList":[{"authorInfo":{"authorName":"Maarten","image":{"extension":"png","original":"https://assets.ing.com/asset/c66bc784-cb70-4e4f-a899-39b2c14c060f/Private_Banking_1.png","publishedAt":"2026-08-04T08:35:09Z","transformBaseUrl":"https://assets.ing.com/transform/c66bc784-cb70-4e4f-a899-39b2c14c060f/Private_Banking_1","type":"image","updatedAt":"2026-08-04T08:35:21Z","width":183},"jobTitle":"ING Private Banking client"},"testimonialText":{"body":"Together with my Relationship Manager, I reviewed which part of my wealth should remain readily available and which part could be invested for the longer term. This helped create an allocation aligned with my overall wealth plan."}}]},{"componentType":"sectionTitle","title":"Interest rates"},{"componentType":"paragraph","richBody":{"value":"| Invested assets in advisory and managed portfolios | Balance savings on Private Banking Savings Account | Interest rate |
|---|---|---|
| €0 to €500,000 | €0 to €10,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.totenmet10k}% |
| €10,000 to €100,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven10ktotenmet100k}% | |
| €100,000 to €1,000,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven100ktotenmet1M}% | |
| €1,000,000 to €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven1Mtotenmet10M}% | |
| > €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven10M}% | |
| €500,000 to € 1,000,000 | €0 to €500,000 | %{Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.totenmet500K}% |
| €500,000 to €5,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven500Ktotenmet5M}% | |
| €5,000,000 to €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven5Mtotenmet10M}% | |
| > €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven10M}% | |
| €1,000,000 to €2,500,000 | €0 to €500,000 | %{Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.totenmet500K}% |
| €500,000 to €5,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven500Ktotenmet5M}% | |
| €5,000,000 to €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven5Mtotenmet10M}% | |
| > €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven10M}% | |
| ≥ €2,500,000 | €0 to €500,000 | %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.totenmet500K}% |
| €500,000 to €5,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven500Ktotenmet5M}% | |
| €5,000,000 to €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven5Mtotenmet10M}% | |
| > €10,000,000 | %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven10M}% |
These interest rates apply from %{Spaarrentes:PrivateindividualsPBSRbasisENG.rente.ingangsdatum}%.
The interest rates are variable and may change. The rates shown are annual rates.
Accrued interest is automatically credited to your account on 1 January each year.
On Monday morning, your invested assets in advisory and discretionary management portfolios amount to €600,000.
This places you in the balance tier from €500,000 to €1,000,000.
The Private Banking Savings Account is available exclusively to Private Banking clients. The interest rate on your Private Banking Savings Account is linked to both your savings balance and the invested assets you hold with ING in advisory and discretionary portfolios. The higher your invested assets, the higher your interest rate tier may be.
You can easily open a Private Banking Savings Account, for personal or business use, online via My ING and the ING App, or through your Relationship Manager.
"},"title":"Who is the Private Banking Savings Account for?"},{"richBody":{"value":"To determine your interest rate, invested assets held with ING in advisory and discretionary portfolios are taken into account. Investments in Private Markets are also included in your invested assets from the booking date onwards. The booking date is the moment when the investment has been processed administratively. From that point, the amount is included in your total invested assets and may affect the interest rate on your Private Banking Savings Account. For Private Markets investments, processing may take longer than for regular investments. As a result, the booking date may be later than the date on which the investment is made. The booking date can be found in My ING and the ING App.
The link with your investments in advisory and discretionary portfolios applies from the moment the Private Banking Savings Account is opened. Invested assets held before the account opening date are not taken into account when determining the interest rate. The savings account therefore always serves as the starting point for the interest rate calculation.
"},"title":"Which investments are included when determining the interest rate on the Private Banking Savings Account?"},{"richBody":{"value":"Yes, you can combine the Private Banking Savings Account with a Private Banking Savings Deposit Account. This allows you to keep part of your assets readily available when flexibility is needed, while setting aside another part for the longer term.
"},"title":"Can I combine the Private Banking Savings Account with a fixed-term deposit account?"},{"richBody":{"value":"Your savings held in the Private Banking Savings Account are covered by the Dutch Deposit Guarantee Scheme. This means that savings of up to €100,000 per person, per bank are legally protected. This provides clarity on which part of your immediately available assets falls within this scheme.
More information about the Dutch Deposit Guarantee Scheme at ING.
"},"title":"How much of the savings held in the Private Banking Savings Account is covered by the Deposit Guarantee Scheme?"}],"componentType":"accordion"},{"componentType":"linkList","iconTitle":{"title":"Shortcut to"},"textLinks":[{"text":"Savings rate overview","url":"/en/private-banking/savings/savings-rates"},{"text":"Secure banking","url":"/en/private-banking/daily-banking/secure-banking"},{"text":"Historical savings rates personal","url":"/particulier/sparen/historische-rentetarieven"},{"text":"Historical savings rates business","url":"/en/business/savings/historical-savings-rates"}]},{"componentType":"feature","featureName":"survey-starter?surveyName=d852f65c-4141-4a39-b86f-a7083617361d"}]},"hasMacro":true,"id":"6323c20d-cbe7-4409-b86c-b32b722c5092","localeString":"en-GB","macros":["Spaarrentes:PrivateindividualsPBSRbasisENG.rente.totenmet10k","Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven10ktotenmet100k","Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven100ktotenmet1M","Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven1Mtotenmet10M","Spaarrentes:PrivateindividualsPBSRbasisENG.rente.boven10M","Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.totenmet500K","Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven500Ktotenmet5M","Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven5Mtotenmet10M","Spaarrentes:PrivateindividualsPBSRSP1ENG.rente.boven10M","Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.totenmet500K","Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven500Ktotenmet5M","Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven5Mtotenmet10M","Spaarrentes:PrivateindividualsPBSRSP2ENG.rente.boven10M","Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.totenmet500K","Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven500Ktotenmet5M","Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven5Mtotenmet10M","Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.boven10M","Spaarrentes:PrivateindividualsPBSRbasisENG.rente.ingangsdatum"],"mainHeaderZone":{"backLink":{"textLink":{"text":"Saving","url":"/en/private-banking/savings"}},"componentType":"productHeader","coreHeader":{"body":"With the Private Banking Savings Account, your savings remain readily available, while the interest rate is linked to your invested assets held in advisory and discretionary portfolios with ING. You can open a Private Banking Savings Account for both personal and business purposes.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/365f68d4e5af1464/original/Woman-looks-at-art-in-home.jpg","publishedAt":"2025-12-17T11:27:16Z","transformBaseUrl":"https://assets.ing.com/transform/a9ff58aa-77e5-4491-96a0-d5d1072b81d2/Woman-looks-at-art-in-home","type":"image","updatedAt":"2025-12-17T11:27:34Z","width":7008},"promoStickerLayout":"Default","promoText":"New: your invested assets are reviewed weekly, allowing your interest rate to reflect changes more quickly","subtitle":"Maintain the flexibility to act, with immediate access to your savings and an interest rate linked to your invested assets with ING.","title":"Private Banking Savings Account"},"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"/en/private-banking/contact-bevestiging"}},"secondaryCta":{"textLink":{"text":"View the current interest rates","url":"https://www.ing.nl/en/private-banking/savings/private-banking-savings-account#interest-rates"}},"usps":[{"body":"For funds you want to keep available at all times","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/181f14d5-5b2d-41a8-b83d-902fd70bd151/Devices-Stop_Watch_Outline.svg","publishedAt":"2022-07-04T15:01:59Z","transformBaseUrl":"https://assets.ing.com/transform/181f14d5-5b2d-41a8-b83d-902fd70bd151/Devices-Stop_Watch_Outline","type":"image","updatedAt":"2023-12-21T14:42:39Z","width":32}},{"body":"Interest rates up to %{Spaarrentes:PrivateindividualsPBSRSP3ENG.rente.totenmet500K}% based on your invested assets with ING","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/c549a4cb-c50a-4d19-8a0e-ef371e9b4f6b/Products-Moneybag_Outline.svg","publishedAt":"2022-07-04T13:55:17Z","transformBaseUrl":"https://assets.ing.com/transform/c549a4cb-c50a-4d19-8a0e-ef371e9b4f6b/Products-Moneybag_Outline","type":"image","updatedAt":"2023-12-21T15:57:59Z","width":32}},{"body":"Your interest rate is determined weekly","icon":{"extension":"svg","original":"https://assets.ing.com/asset/0b337436-a72a-4415-a6d1-3c30ec5c303e/Persons-Avatar_Business_Outline.svg","publishedAt":"2022-07-04T09:04:03Z","transformBaseUrl":"https://assets.ing.com/transform/0b337436-a72a-4415-a6d1-3c30ec5c303e/Persons-Avatar_Business_Outline","type":"image","updatedAt":"2023-12-21T14:37:04Z","width":32}}]},"publishDate":"2026-10-07T10:40:33.506+02:00"}}