As of 1 June, your invested assets are assessed monthly rather than quarterly, ensuring your interest rate better reflects your current assets.
You will benefit sooner from a higher savings interest rate as your investments with ING increase.
As of 1 June, the savings interest rates on the Private Banking Savings Account have been adjusted:
Assets under management, investment advisory and Portfolio management | Balance on Private Banking Savings Account | Savings 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% |
| > €1,.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% |
Available to open for both private and business clients. For more information about the Private Banking Savings Account, please click here.
The interest rate is variable and calculated on an annual basis.
"}},{"componentType":"sectionTitle","title":"FAQ"},{"accordionList":[{"richBody":{"value":"The interest on your Private Banking Savings Account is linked to the invested assets you hold with ING in advisory and discretionary portfolios. Each month, on the 23rd, we assess the value of your invested assets (fixed reference date). This determines your interest rate category.
Your new interest rate will apply from the first day of the following month. If your invested assets increase, your interest rate may rise. If they decrease, your rate may also be lowered.
This applies only if your savings account and investments are held in the name of the same person or entity.
Example
Suppose your invested assets in advisory and discretionary portfolios amount to €600,000 on 23 May. From 1 June, you will receive the interest rate that applies to the balance tier for invested assets between €500,000 and €1,000,000.
Good to know: The link 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.
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 date you made the investment. You can find the booking date in My ING.
"},"title":"Do Private Markets investments count as invested assets?"}],"componentType":"accordion"},{"accordionList":[{"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?"}],"componentType":"accordion"}]},"hasMacro":false,"id":"802b1d86-ab31-481d-8caa-bca7da8bf600","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Saving","url":"/en/private-banking/savings"}},"componentType":"editorialHeader","coreHeader":{"subtitle":"You will benefit from a higher savings interest rate when you hold more invested assets with ING","title":"Enhancements interest calculation and rate adjustments Private Banking Savings Account"},"date":"2026-06-01","readingTime":2},"publishDate":"2026-06-01T16:41:01.436+02:00"}}