{"type":"document","data":{"id":"7ca5cc6c-c4fd-48dc-8120-3e4b8b2c3716","localeString":"nl-NL","publishDate":"2026-04-21T00:00:00.191+02:00","contentType":"onecms:categoryPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Sparen bij ING? Check de rentes en voordelen van de verschillende ING spaarrekeningen en start met sparen.","taxonomies":{"productTaxonomy":{"taxonomyKeys":["savings"],"taxonomyType":"productTaxonomyContainer","canonkey":"savings"}}},"mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"title":"Alles over sparen","subtitle":"Wat je nodig hebt om een buffer op te kunnen bouwen, te sparen voor een doel of juist slimme manieren die je helpen, je vindt ze hier."}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Spaarrekening openen"},{"componentType":"paragraph","richBody":{"value":"<p>Je kunt op veel verschillende manieren sparen, welke rekening bij jou past, bepaal je helemaal zelf. </p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Oranje Spaarrekening","intro":"Jouw ING spaarrekening. Variabele rente, gemak en altijd toegang. Ruim 5 miljoen klanten gingen je voor.","image":{"transformBaseUrl":"https://assets.ing.com/transform/45a6071e-7c06-4ed2-85df-d05496b7794f/piggybank","type":"image","width":160,"original":"https://assets.ing.com/m/4258249d9db85694/original/piggybank.svg","extension":"svg"},"link":{"url":"/particulier/sparen/oranje-spaarrekening"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Spaardeposito","intro":"Kies voor zekerheid en spaar met een vaste rente en vaste looptijd. Ontdek de huidige rente.","image":{"transformBaseUrl":"https://assets.ing.com/transform/368e2688-8de8-442a-a268-b742619e7f0c/Money-calendar-coins","type":"image","width":160,"original":"https://assets.ing.com/m/e6f4e29d58b8378/original/Money-calendar-coins.svg","extension":"svg"},"link":{"url":"/particulier/sparen/spaardeposito"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Groen Spaardeposito","intro":"Duurzaam sparen met vaste rente en looptijd. Zekerheid én belastingvoordeel. Minimale inleg: €5.000.","image":{"transformBaseUrl":"https://assets.ing.com/transform/d007b8b2-af79-48de-a33e-5f9ead3ee036/People-world-hug-sustainable","type":"image","width":1200,"original":"https://assets.ing.com/m/1405acbb92c29bf4/original/People-world-hug-sustainable.svg","extension":"svg"},"link":{"url":"/particulier/sparen/groen-spaardeposito"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Groei Groter Rekening","intro":"Sparen voor de toekomst van je kind. Geef je kind een vliegende start. Toegang op de 18e verjaardag.","image":{"transformBaseUrl":"https://assets.ing.com/transform/417cb9fe-dcdf-41bf-9f7b-daa084436400/stork-money-bag","type":"image","width":0,"original":"https://assets.ing.com/m/381e1325d0c30b/original/stork-money-bag.svg","extension":"svg"},"link":{"url":"/particulier/kind/producten/groei-groter-rekening"}}]},{"componentType":"promotionalBanner","icon":{"transformBaseUrl":"https://assets.ing.com/transform/300285ee-9cbd-4bfd-a362-e2630fe51269/Circle-Piggy-bank-10","type":"image","width":64,"original":"https://assets.ing.com/asset/300285ee-9cbd-4bfd-a362-e2630fe51269/Circle-Piggy-bank-10.svg","extension":"svg"},"body":"Start nu met Eenvoudig Beleggen en krijg","bodyBold":"tijdelijk tot 2,25% rente","bodyThree":"over je spaargeld, gelijk aan het bedrag dat je nieuw belegt. Let op: beleggen kent risico’s en kosten. Je kunt je inleg verliezen.","date":{"date":"2026-07-21","body":"Deze actie loopt t/m"},"textLink":{"url":"/particulier/beleggen/beleggen-bij-ing/easy-invest-save-and-invest-april-2026","text":"Bekijk de actie & voorwaarden"}},{"componentType":"sectionTitle","title":"Actuele spaarrentres"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Ontdek de actuele spaarrentes","intro":"Ontdek de actuele spaarrentes en kies het spaarproduct dat het beste bij jou past. Slim sparen!","image":{"transformBaseUrl":"https://assets.ing.com/transform/d3cb8c75-9e6d-4c58-b8a0-6eecff00ff67/DAT-glass-jar-money-hand-no-padding-png","type":"image","width":1802,"original":"https://assets.ing.com/m/515c68abea1edf94/original/DAT-glass-jar-money-hand-no-padding-png.png","extension":"png"},"link":{"url":"/particulier/sparen/renteberekening-op-je-spaarrekening"}}]},{"componentType":"sectionTitle","title":"Slim sparen met handige tools"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span>Met onderstaande tools maak je sparen makkelijker én leuker.</span></span></span></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Automatisch Sparen","intro":"Spaar automatisch met vaste opdrachten. Ruim 1,7 miljoen gebruikers gingen je voor.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7e8a94bd-897d-4461-9b29-4a4f9dbef6af/handpointingcalendarpaymentnopadding","type":"image","width":0,"original":"https://assets.ing.com/m/d0fb69b6e13d671/original/handpointingcalendarpaymentnopadding.svg","extension":"svg"},"link":{"url":"/particulier/sparen/automatisch-sparen"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Spaardoelen","intro":"Spaar makkelijker met spaardoelen op je Oranje Spaarrekening. Bereik je doelen.","image":{"transformBaseUrl":"https://assets.ing.com/transform/91a0e433-727e-4564-8b9f-b0ab3d6fdf66/target","type":"image","width":160,"original":"https://assets.ing.com/m/1c4a47ef2fd112cb/original/target.svg","extension":"svg"},"link":{"url":"/particulier/sparen/spaardoelen"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Rond af & Spaar","intro":"Rond elke betaling automatisch af. Spaar bijna ongemerkt. 700.000+ gebruikers.","image":{"transformBaseUrl":"https://assets.ing.com/transform/5651c852-7f55-4952-bb4d-cf4f9dd6d0d2/Terminal-phone-hand-4-spot","type":"image","width":160,"original":"https://assets.ing.com/m/57723fc18f2d359b/original/Terminal-phone-hand-4-spot.svg","extension":"svg"},"link":{"url":"/particulier/sparen/rond-af-spaar"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Spaarslot","intro":"Zet je spaardoel op slot en geef minder uit. Slot eraf? Jij bepaalt. Slim sparen.","image":{"transformBaseUrl":"https://assets.ing.com/transform/31ab1391-5af1-4c56-bac5-2bce3d7fc151/closedlock2","type":"image","width":160,"original":"https://assets.ing.com/m/72091172e72f6ae6/original/closedlock2.svg","extension":"svg"},"link":{"url":"/particulier/sparen/spaarslot"}}]},{"componentType":"sectionTitle","title":"Makkelijker sparen"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>Sparen kan </span></span></span><span><span><span>ook best lastig zijn. Spaar jij nog niet</span></span></span><span><span><span> of lukt het niet altijd</span></span></span><span><span><span>? Tijd om dat te veranderen! Wees gerust: ook met kleine stapjes kun je heel ver komen. </span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Hoeveel spaargeld heb je nodig?","intro":"Bereken bij het Nibud de buffer die jij nodig hebt om onvoorziene uitgaven te kunnen betalen.","image":{"transformBaseUrl":"https://assets.ing.com/transform/221cf6ea-9c7d-495e-b6d5-5c8f2e0d039b/Savings_goals-Debt_Payback_Euro_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/72e8a79aa7601f80/original/Savings_goals-Debt_Payback_Euro_Outline.svg","extension":"svg"},"link":{"url":"https://bufferberekenaar.nibud.nl/ing/introductie"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Spaartips en meer","intro":"Spaar jij nog niet of weet je niet waar je moet beginnen? Tijd om dat te veranderen! Wees gerust: ook met kleine stapjes kun je heel ver komen.","image":{"transformBaseUrl":"https://assets.ing.com/transform/e2274273-96dc-48a1-9c2c-17f9311aed5e/Feedback-Light_Bulb_Outline","type":"image","width":32,"altTextNL":"\"\"","original":"https://assets.ing.com/m/6c2465a2e1603f5f/original/Feedback-Light_Bulb_Outline.svg","extension":"svg"},"link":{"url":"/particulier/sparen/sparen-tips"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Herken de valkuilen","intro":"We wéten dat sparen verstandig is, maar doen automatisch toch iets anders. Je eigen valkuilen herkennen kan je helpen om je spaargedrag te veranderen.","image":{"transformBaseUrl":"https://assets.ing.com/transform/6884a6c1-76d6-467c-bbd0-71d288bc7d63/icon_custom_alert_transp","type":"image","width":288,"original":"https://assets.ing.com/m/7aa811de1688bd1b/original/icon_custom_alert_transp.png","extension":"png"},"link":{"url":"/particulier/sparen/sparen-lastig-herken-de-valkuilen"}}]},{"componentType":"sectionTitle","title":"Meer uit je geld halen"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span><span><span><span>Met het geld dat je spaart kun je op een veilige manier een buffer opbouwen, om de onverwachte uitgaven op te kunnen vangen. Zodra je voldoende buffer hebt opgebouwd, zijn er verschillende manieren om meer uit je geld te halen. </span></span></span></span></span></span></p>"}},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Alternatieven naast sparen","intro":"Bekijk welke alternatieven er zijn voor alleen sparen. En bepaal zelf wat er bij jou en je situatie past.","image":{"transformBaseUrl":"https://assets.ing.com/transform/de9d2125-cead-47bc-8ca2-9988dfa1a101/Woman-behind-laptop-thinking-about-finances","type":"image","width":480,"original":"https://assets.ing.com/m/71f9b801ac8b3a65/original/Woman-behind-laptop-thinking-about-finances.png","extension":"png"},"link":{"url":"/particulier/sparen/meer-dan-sparen"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Keuzehulp","intro":"Wil je een mooi bedrag opbouwen, maar weet je nog niet zeker welke producten het best bij je passen? Beantwoord 2 tot 6 simpele vragen en ontdek het in twee minuten.","image":{"transformBaseUrl":"https://assets.ing.com/transform/cca7e465-169a-460f-9db5-67657f084a46/savingspiggybank3","type":"image","width":160,"original":"https://assets.ing.com/m/37d6d356070684fe/original/savingspiggybank3.svg","extension":"svg"},"link":{"url":"/particulier/sparen-en-beleggen/keuzehulp-2"}},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Inzicht Gesprek","intro":"Wil je graag met een Financieel Coach bespreken hoe je meer uit je geld kan halen? Plan dan een gratis Inzicht Gesprek. Dit kan digitaal of op een ING-kantoor.","image":{"transformBaseUrl":"https://assets.ing.com/transform/6846f082-1fe5-4d40-bc8a-94cc21f75c92/employeereportclientnopadding","type":"image","width":1061,"original":"https://assets.ing.com/m/2f4af354e5a9adb2/original/employeereportclientnopadding.svg","extension":"svg"},"link":{"url":"/particulier/financieel-gezond/inzichtgesprek"}}]},{"componentType":"sectionTitle","title":"Inflatie en je spaargeld"},{"componentType":"feature","featureName":"ing-inflation-widget?isWidget"},{"componentType":"sectionTitle","title":"Sparen combineren met beleggen?"},{"componentType":"paragraph","richBody":{"value":"<p>Heb je wat langer de tijd? Dan geeft beleggen naar verwachting meer rendement dan sparen. Ook als je weinig verstand hebt van beleggen. Met een kant-en-klare oplossing als Eenvoudig Beleggen, hebben de experts van ING het moeilijkste al gedaan. Je hoeft alleen te bepalen bij welk risico je je comfortabel voelt en hoeveel je inlegt.</p>"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Eenvoudig Beleggen","intro":"Dé kant-en-klare oplossing: praktisch geen omkijken naar","image":{"transformBaseUrl":"https://assets.ing.com/transform/a04503f0-8a43-4e80-8ac7-226e470b0c18/Save-Invest-Easy-Invest-Homepage-banner","type":"image","width":800,"original":"https://assets.ing.com/asset/a04503f0-8a43-4e80-8ac7-226e470b0c18/Save-Invest-Easy-Invest-Homepage-banner.png","extension":"png"},"link":{"url":"/particulier/beleggen/beleggen-bij-ing/eenvoudig-beleggen"},"checkMarkList":["Populair onder beginners","Als je duurzaamheid ook belangrijk vindt","Automatisch goed gespreid"],"promoText":"Actie: Slim Sparen & Beleggen"},{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Wat levert 't op?","intro":"Bereken in een minuut wat het combineren van sparen en beleggen kan opleveren","image":{"transformBaseUrl":"https://assets.ing.com/transform/4a154d03-250a-4d07-895c-e24c8d2482f1/img_icon_vermogensbeheer_revisie","type":"image","width":96,"original":"https://assets.ing.com/m/74435a46784fca55/original/img_icon_vermogensbeheer_revisie.png","extension":"png"},"link":{"url":"/particulier/beleggen/beleggen-bij-ing/wat-levert-beleggen-op"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Alle beleggings­rekeningen","intro":"Kant-en-klare oplossing, of liever zelf aan de knoppen draaien? Check alle type beleggingsrekeningen bij ING.","image":{"transformBaseUrl":"https://assets.ing.com/transform/7715acab-0fb9-4b38-9491-48e1bf048a06/African-man-opening-camper-window","type":"image","width":5683,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/517e59bf9e87585d/original/African-man-opening-camper-window.jpg","extension":"jpg"},"link":{"url":"/particulier/beleggen/beleggen-bij-ing"}}]},{"componentType":"paragraph","richBody":{"value":"<p>Goed om te weten: beleggen brengt kosten en risico met zich mee. Je kunt (een deel van) je inleg verliezen. </p>"},"textLinks":[{"url":"/particulier/beleggen/beleggen-bij-ing/risicos-van-beleggen","text":"Meer over de risico’s en hoe die te beperken"}]},{"componentType":"linkList","iconTitle":{"icon":{"transformBaseUrl":"https://assets.ing.com/transform/95731d9b-ba39-4cbb-9d2d-925c77564226/Artboard","type":"image","width":18,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/42e517ebb26928c4/original/Artboard.svg","extension":"svg"},"title":"Direct naar:"},"textLinks":[{"url":"/particulier/sparen/renteberekening-op-je-spaarrekening","text":"Actuele spaarrentes"},{"url":"/particulier/sparen/spaarrente","text":"Meer informatie over sparen en rente"},{"url":"/particulier/sparen/niet-meer-te-openen-spaarrekeningen/niet-actieve-spaarproducten","text":"Niet meer te openen spaarrekeningen"},{"url":"/particulier/sparen/historische-rentetarieven","text":"Historische rentetarieven"}]},{"componentType":"feature","featureName":"survey-starter?surveyName=1e999cb5-d436-4104-831c-6b0d3f7dec76&withCard=True"}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Ook interessant"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"Jouw financiële gezondheid","intro":"Hoe houd je grip op je geld en kun je slimmere keuzes maken voor nu en later?","image":{"transformBaseUrl":"https://assets.ing.com/transform/29cc6f3a-4bcc-4650-b111-7a0394fb3744/Woman-behind-laptop-thinking-about-finances","type":"image","width":160,"altTextEN":"Financial Health","altTextNL":"Financieel gezond","original":"https://assets.ing.com/m/3173b948aa03e67a/original/Woman-behind-laptop-thinking-about-finances.jpg","extension":"jpg"},"link":{"url":"/particulier/financieel-gezond"}}]}]}}}