ING
Oranje Spaarrekening
Interest rate
1.25%APY
Access
Instant
Protection
€100k
Best for:ING CustomersConvenienceTraditional
EU Deposit Guarantee
Protected up to €100,000
ING savings account integrated with your payment account. Convenient but rate is low at 1.25%. Best for convenience, not returns.
Rates last verified: 12 June 2026
The verdict
What we like
- Largest Dutch bank
- Seamless app integration
- Instant transfers to current account
- Reliable and stable
What to consider
- Low interest rate (1.25%)
- Requires ING current account
- Much better rates elsewhere
- Rate varies by balance tier
Account details
Standard interest rate1.25% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
1.25%
annual interest
You'll need your BSN and valid ID
Quick facts
Provider
ING
Access time
Instant
Protection
€100k guaranteed
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