The interest rate is based on the total assets you invest with ING in advisory and discretionary portfolios. Based on this, you are assigned to an interest rate tier. The more you invest with ING, the higher the interest rate tier that applies to your savings.
This tier is reviewed automatically each month and adjusted if your situation changes. In this way, your interest rate moves in line with your broader wealth position.
Example
Suppose your invested assets in advisory and managed portfolios amount to €600,000 on 23 June. From 1 July, you will receive the interest rate applicable to the tier for invested assets between €500,000 and €1,000,000.
The overview below shows how the interest rate is structured.
| Invested assets in advisory and managed portfolios | Balance savings on Private Banking Savings Account | Interest rate |
|---|---|---|
| €0 to €500,000 | €0 to €10,000 | 1.25% |
| €10,000 to €100,000 | 1.10% | |
| €100,000 to €1,000,000 | 1.00% | |
| €1,000,000 to €10,000,000 | 0.35% | |
| > €10,000,000 | 0.00% | |
| €500,000 to € 1,000,000 | €0 to €500,000 | 1.55% |
| €500,000 to €5,000,000 | 1.45% | |
| €5,000,000 to €10,000,000 | 1.35% | |
| > €10,000,000 | 0.00% | |
| €1,000,000 to €2,500,000 | €0 to €500,000 | 1.60% |
| €500,000 to €5,000,000 | 1.50% | |
| €5,000,000 to €10,000,000 | 1.40% | |
| > €10,000,000 | 0.00% | |
| ≥ €2,500,000 | €0 to €500,000 | 1.70% |
| €500,000 to €5,000,000 | 1.60% | |
| €5,000,000 to €10,000,000 | 1.45% | |
| > €10,000,000 | 0.00% |
These rates apply from 1 June 2026.
The interest rate is variable and calculated on an annual basis.
The interest rate on the Private Banking Savings Account is currently positive.
Interest is credited annually on 1 January.
Please note: The connection to your invested assets starts from the moment you open your Private Banking Savings Account. Investments held before that time are not included when determining your interest rate. Your savings account is therefore always the starting point for the interest calculation.
"},"textLinks":[{"text":"Private Banking Savings Account Terms and Conditions as of July 1, 2025 (pdf)","url":"https://assets.ing.com/asset/d5f08e03-41b7-4194-be59-6903d64dd414/Terms-and-Conditions-Private-Banking-Spaarrekening-266624-0518.pdf"}]},{"componentType":"sectionTitle","title":"Security for your savings"},{"componentType":"paragraph","richBody":{"value":"Your savings 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 makes it clear which part of your directly available assets falls within this scheme.
Read more about the Dutch Deposit Guarantee Scheme or visit the ING webpage on the deposit guarantee scheme for more information.
"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"The Private Banking Savings Account is intended for ING Private Banking customers who wish to keep part of their assets available, without losing sight of the bigger picture.
"},"title":"Who is the Private Banking Savings Account intended for?"},{"richBody":{"value":"You can easily open a Private Banking Savings Account yourself online or through your Relationship Manager.
"},"title":"How do I open a Private Banking Savings Account?"},{"richBody":{"value":"The Private Banking Savings Account is exclusively available to Private Banking customers. Unlike a regular savings account, the interest rate depends not only on market rates but also on the amount you invest with ING in advisory and discretionary portfolios. The higher your invested assets, the higher your interest rate may be.
"},"title":"What is the difference between the Private Banking Savings Account and an Orange Savings Account?"},{"richBody":{"value":"The interest rate on the Private Banking Savings Account is linked to the invested assets you hold with ING in advisory and discretionary portfolios. Each month, on the 23rd, the value of these invested assets is assessed. This is the fixed reference date.
Based on the amount held on this reference date, you are assigned to an interest rate tier. The applicable rate takes effect on the first day of the following month.
If your invested assets increase on the reference date, your interest rate may rise. If your assets decrease, your interest rate may also be reduced. This linkage applies only when the savings account and the investments are held in the name of the same individual or legal entity.
Example
Suppose your total invested assets amount to €600,000 on 23 June. From 1 July, you will receive the interest rate applicable to the tier for invested assets between €500,000 and €1,000,000.
Please note: The connection with your invested assets starts from the moment you open your Private Banking Savings Account. Investments held before that time are not included when determining your interest rate.
Your savings account is always the starting point for calculating your interest.
"},"title":"How is the interest rate on the Private Banking Savings Account determined?"},{"richBody":{"value":"Yes. Private Markets investments count as invested assets from the booking date.
The booking date is the moment the investment is processed administratively. From that date, the amount is included in your total invested assets and may affect the interest rate on your Private Banking Savings Account.
Please note: Processing times for Private Markets may be longer than for regular investments, so the booking date may fall after the moment you entered into the investment. You can find the booking date in My ING.
"},"title":"Do Private Markets investments count as invested assets?"},{"richBody":{"value":"If your invested assets change, your interest rate will change too. It may increase if your invested assets rise or decrease if they fall. We review this each month and automatically apply any new rate from the following month.
"},"title":"What happens to my interest rate if my invested assets change?"},{"richBody":{"value":"Yes, the Private Banking Savings Account can be used for both personal and business savings.
"},"title":"Can I use the Private Banking Savings Account for both personal and business purposes?"},{"richBody":{"value":"Yes, you can combine the Private Banking Savings Account with a Private Banking Savings Deposit. This allows you to keep part of your assets available so you can act when needed, while setting aside another part for a future moment.
"},"title":"Can I combine the Private Banking Savings Account with a Private Banking Savings Deposit?"},{"richBody":{"value":"Savings held in the Private Banking Savings Account are covered by the Dutch Deposit Guarantee Scheme. This means that savings up to €100,000 per person, per bank are legally protected.
For more information, please visit the ING webpage on the deposit guarantee scheme.
"},"title":"What amount of my savings are protected?"},{"richBody":{"value":"The Private Banking Savings Account is available to ING Private Banking customers. If you are not yet a customer, you can schedule an appointment to discuss whether ING Private Banking and its savings solutions are right for you.
"},"textLinks":[{"text":"Make an appointment","url":"/en/private-banking/customer-service"}],"title":"I am not yet an ING Private Banking customer. Can I still open a Private Banking Savings Account?"}],"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":false,"id":"6323c20d-cbe7-4409-b86c-b32b722c5092","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Saving","url":"/en/private-banking/savings"}},"componentType":"productHeader","coreHeader":{"body":"The Private Banking Savings Account is intended for assets you want to keep available so you can act when the time is right. For example, if you are considering an investment, purchase, or gift and want to leave the timing open. Your savings remain directly accessible, while the interest rate is aligned with the assets you invest with ING. The account can be opened for both personal and business use.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/365f68d4e5af1464/original/Woman-looks-at-art-in-home.jpg","transformBaseUrl":"https://assets.ing.com/transform/a9ff58aa-77e5-4491-96a0-d5d1072b81d2/Woman-looks-at-art-in-home","type":"image","width":7008},"subtitle":"Flexible saving as part of your overall wealth","title":"Private Banking Savings Account"},"cta":{"componentType":"cta","textLink":{"text":"Make an appointment","url":"/en/private-banking/customer-service"}},"usps":[{"body":"Immediate access to your funds","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/181f14d5-5b2d-41a8-b83d-902fd70bd151/Devices-Stop_Watch_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/181f14d5-5b2d-41a8-b83d-902fd70bd151/Devices-Stop_Watch_Outline","type":"image","width":32}},{"body":"Aligned with your overall wealth","icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/asset/c549a4cb-c50a-4d19-8a0e-ef371e9b4f6b/Products-Moneybag_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/c549a4cb-c50a-4d19-8a0e-ef371e9b4f6b/Products-Moneybag_Outline","type":"image","width":32}},{"body":"Available for personal and business use","icon":{"extension":"svg","original":"https://assets.ing.com/asset/0b337436-a72a-4415-a6d1-3c30ec5c303e/Persons-Avatar_Business_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/0b337436-a72a-4415-a6d1-3c30ec5c303e/Persons-Avatar_Business_Outline","type":"image","width":32}}]},"publishDate":"2026-06-26T16:55:22.154+02:00"}}