{"type":"document","data":{"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/25767fdbfd6d47c9/original/investing-for-beginners-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/35900c88-f0fb-497f-a071-6622a59e2f4e/investing-for-beginners-1920","type":"image","width":1920},"intro":"Read everything (truly everything!) about how to start investing","link":{"url":"/en/individuals/investing/investing-for-beginners"},"title":"Investing for beginners"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/1d05b1ae693addd7/original/deals-woman-shopping-bags.jpg","transformBaseUrl":"https://assets.ing.com/transform/37bc04ea-f3ac-499a-945e-0576e0e1b607/deals-woman-shopping-bags","type":"image","width":8192},"intro":"Pay with your ING cards at the selected retailer and get cashbacks up to 11%.","link":{"url":"/en/individuals/daily-banking/ing-plus-deals"},"title":"Get cashbacks on your purchases"}],"componentType":"cards"}]},"contentType":"onecms:categoryPage","flexPageMetadata":{"afmBanner":false,"description":"Building a savings plan is essential to achieve financial goals. Discover the tips to increase your saving capacity.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Activate your savings smartly with ING"},{"componentType":"paragraph","title":"Explore ING’s solutions to build your savings"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/23738d6568dacbac/original/Woman-relax-yoga-coins-scene-1.svg","transformBaseUrl":"https://assets.ing.com/transform/af48e5e2-e8a1-43a4-a981-fe44fa4d14bd/Woman-relax-yoga-coins-scene-1","type":"image","width":1200},"intro":"Save small amounts without even realizing","link":{"url":"/en/individuals/services/ing-save-up-save-your-change"},"title":"ING Save Up"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/e6f4e29d58b8378/original/Money-calendar-coins.svg","transformBaseUrl":"https://assets.ing.com/transform/368e2688-8de8-442a-a268-b742619e7f0c/Money-calendar-coins","type":"image","width":160},"intro":"Save automatically and easily","link":{"url":"/en/individuals/saving/standing-order"},"title":"Recurring saving"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/564b42e7cfd964d9/original/Calculator-2-1.svg","transformBaseUrl":"https://assets.ing.com/transform/2a9171f0-0f51-48dd-8871-0a1ccfc6623b/Calculator-2-1","type":"image","width":49},"intro":"Estimate how much your savings could grow over time","link":{"url":"/en/individuals/saving/savings-simulator"},"title":"Savings simulator"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Other products complementary to your savings"},{"componentType":"paragraph","title":"Explore the opportunities beyond savings accounts"},{"cards":[{"cardSize":"medium","cardType":"product","checkMarkList":["Predictable returns and fixed rate","Tax on interest earnings","Funds locked for a fixed period"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/1ae2c172867b4076/original/A-woman-wearing-glasses-and-headphones-works-on-her-computer-in-the-kitchen.jpg","transformBaseUrl":"https://assets.ing.com/transform/91767df2-9b1d-4818-b4c8-e56bfb6b4fde/A-woman-wearing-glasses-and-headphones-works-on-her-computer-in-the-kitchen","type":"image","width":1920},"link":{"url":"/en/individuals/saving/term-deposit"},"title":"Term deposit"},{"cardSize":"medium","cardType":"product","checkMarkList":["Generate interests on the locked amount","Simple, fast, and free of charge","Risks associated with savings accounts"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/26d3d359afa22a2e/original/rental-guarantee-account-v2-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/80bb228a-448d-4812-8dd2-e22d7a8f32b1/rental-guarantee-account-v2-1920","type":"image","width":1920},"link":{"url":"/en/individuals/saving/rental-guarantee"},"title":"Rental Guarantee"},{"cardSize":"medium","cardType":"product","checkMarkList":["More comfortable retirement","Tax benefits","Long-term strategy"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/67f3e437690483bb/original/Barcelona-spain-father-and-son-at-home.jpg","transformBaseUrl":"https://assets.ing.com/transform/e5a8a2ab-d2af-411c-9748-f0b03a71901e/Barcelona-spain-father-and-son-at-home","type":"image","width":5760},"link":{"url":"/en/individuals/pension"},"title":"Pension savings"},{"cardSize":"medium","cardType":"product","checkMarkList":["Even for small amounts","Diversified solutions","Building long-term wealth"],"componentType":"productCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/2e2739cd89b0ae9b/original/Female-chef-carefully-adds-salt-in-the-pan.jpg","transformBaseUrl":"https://assets.ing.com/transform/22f8dbc7-ee0a-4c8d-a2cf-d882f33ddf83/Female-chef-carefully-adds-salt-in-the-pan","type":"image","width":6969},"link":{"url":"/en/individuals/investing/start-small"},"title":"Start to invest"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Tips to stay a step ahead with savings"},{"cards":[{"body":"What factors do they depend on? How are they calculated?","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2025-12-16","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/22bd6a74aa4c01c5/original/Two-colleagues-laugh-while-having-coffee-together-on-outdoor-terrace.jpg","transformBaseUrl":"https://assets.ing.com/transform/52b57a4f-3d47-43e6-91d3-36568f5f8e77/Two-colleagues-laugh-while-having-coffee-together-on-outdoor-terrace","type":"image","width":5616},"link":{"url":"/en/individuals/saving/interest-rates-savings-account"},"title":"Interest on a savings account: everything you need to know."},{"body":"Learn how to save money with these effective savings tips, from tracking expenses to drawing up a budget and finding ways to reduce your spending.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2025-12-16","image":{"extension":"jpg","original":"https://assets.ing.com/m/47dde74125d2d6d7/original/Close-up-of-female-accountant-or-banker-making-calculations.jpg","transformBaseUrl":"https://assets.ing.com/transform/7a763db3-4343-4121-9c33-fee66872b4c8/Close-up-of-female-accountant-or-banker-making-calculations","type":"image","width":2508},"link":{"url":"/en/individuals/saving/increase-your-saving-capacity-9-tips"},"title":"Top savings tips to reduce your spending"},{"body":"What is a savings account? How do savings account interest rates work? ING Belgium’s guide explains how these regulated and non-regulated bank accounts work.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2025-12-14","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/1d3b874460c98ddf/original/Woman-sitting-on-sofa.jpg","transformBaseUrl":"https://assets.ing.com/transform/88b3ebdd-1b83-457f-8a4c-7b18cf4a40fd/Woman-sitting-on-sofa","type":"image","width":6943},"link":{"url":"/en/individuals/saving/savings-accounts-and-interest-rates-explained"},"title":"Savings accounts and interest rates explained"},{"body":"Discover our 4 tips on how to determine the best amount you would save.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2024-06-27","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/3ec3d738d201ae4f/original/Small-business-owner-in-Brussels.jpg","transformBaseUrl":"https://assets.ing.com/transform/a481d9a3-b4bc-4964-a94a-35421d7a4bef/Small-business-owner-in-Brussels","type":"image","width":5616},"link":{"url":"/en/individuals/saving/emergency-fund"},"title":"How much would be best to save?"},{"body":"Simple actions today that bring your future home closer","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2025-12-02","image":{"extension":"jpg","original":"https://assets.ing.com/m/2f1eb16b4232717e/original/Woman-walking-home.jpg","transformBaseUrl":"https://assets.ing.com/transform/b9a46e0a-78e1-467d-8f5d-82c9b309f6b7/Woman-walking-home","type":"image","width":8192},"link":{"url":"/en/individuals/saving/turn-saving-into-owning"},"title":"Turn saving into owning"}],"componentType":"cards"},{"componentType":"paragraph","textLinks":[{"text":"Read more advice on savings","url":"/en/individuals/saving/savings-advice"}]},{"componentType":"cards"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"<p>Opening and closing the savings account is completely free of charge, as are transfers. Online transactions and account statements consulted using Home&apos;Bank are free. The charges for sending account statements to your home are mentioned in the <a href=\"https://assets.ing.com/m/4f78f60fd9714d80/original/pricing-list-private-new-EN.pdf\">current price list</a>.</p>"},"title":"What does a savings account cost?"},{"richBody":{"value":"<p>Yes, you can open our <a data-type=\"internal\" href=\"/en/individuals/saving/compare-savings-accounts\">savings accounts</a> online and at no cost.</p>"},"title":"Can I open a savings account online?"},{"richBody":{"value":"<p>The purpose of <a data-type=\"internal\" href=\"/en/individuals/saving/long-term-savings-explained\">long-term saving</a> is to enable you to achieve financial goals in the future, finance the purchase of a house or your children&apos;s higher education or improve your standard of living when it is time for retirement.</p><p>As a general rule, the longer the investment period, the more your savings can absorb the volatility of the financial markets, thus earning more interest and returns than short-term savings. Based on your investor profile and your financial goals, choose the <a data-type=\"internal\" href=\"/en/individuals/saving/long-term-savings-explained\">long-term savings solution</a> that best suits you, as each product has its own advantages and disadvantages.</p>"},"title":"How to save for the long term?"},{"richBody":{"value":"<p>Saving and <a data-type=\"internal\" href=\"/en/individuals/investing\">investing </a>are both ways of growing your money, but they differ in terms of risk, return and availability of your money.</p><p><strong>In a nutshell,</strong> saving is safer, has lower risk and lower returns, while <a data-type=\"internal\" href=\"/en/individuals/investing\">investing </a>involves more risk, potentially higher returns, but also requires more research and knowledge.</p><p>It is important to consider your own financial goals, risk tolerance and time horizon when choosing between saving and <a data-type=\"internal\" href=\"/en/individuals/investing\">investing</a>.</p>"},"title":"What is the difference between saving and investing?"},{"richBody":{"value":"<p>A current account is a <a data-type=\"internal\" href=\"/en/individuals/daily-banking/compare-bank-accounts\">bank account</a> you use for your daily financial transactions. Usually, you will have your wages deposited into a current account. A current account also allows you to use a bank card and/or credit card.</p><p>A <a data-type=\"internal\" href=\"/en/individuals/saving/compare-savings-accounts\">savings account</a> aims to put money aside and you also receive interest on it.</p>"},"title":"What is the difference between a current account and a savings account?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Contact and services"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"png","original":"https://assets.ing.com/m/6e6f3de4c512a23f/original/Fingerprint-phone-hand-spot.png","transformBaseUrl":"https://assets.ing.com/transform/4c8f79aa-f653-430e-bd15-7a94e7640b59/Fingerprint-phone-hand-spot","type":"image","width":615},"intro":"Directly online","link":{"url":"/banking/retention-flow?EW=true"},"title":"I close my savings account"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/3acbbaeee094da51/original/House-with-green_Spot.svg","transformBaseUrl":"https://assets.ing.com/transform/06588d61-45f9-438d-ad2a-686167f7440b/House-with-green_Spot","type":"image","width":160},"intro":"Discover how to proceed","link":{"url":"/en/individuals/saving/rental-guarantee-closure"},"title":"I release my rental guarantee"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/6171d84dc30fcb0b/original/Phonechat.svg","transformBaseUrl":"https://assets.ing.com/transform/f8ff5633-eb8c-4873-961b-e52b1729f05f/Phonechat","type":"image","width":1080},"intro":"The easiest way? Via the chat available in the app","link":{"url":"/en/individuals/services/get-in-touch"},"title":"I contact ING"},{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"extension":"svg","original":"https://assets.ing.com/m/7a2129767fd78dda/original/handshake.svg","transformBaseUrl":"https://assets.ing.com/transform/4c4227dd-6875-40f6-abc9-b645a05571fe/handshake","type":"image","width":160},"intro":"In a branch","link":{"url":"/en/individuals/services/branches"},"title":"I make an appointment"}],"componentType":"cards"}]},"freeHeaderZone":{"flexComponents":[{"cards":[{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/1c1f59e0eeeca572/original/compare-savings-accounts.PNG","transformBaseUrl":"https://assets.ing.com/transform/08e6fa78-8960-4d5b-b7a5-7aa3102460e8/compare-savings-accounts","type":"image","width":581},"intro":"Set money aside for yourself","link":{"url":"/en/individuals/saving/compare-savings-accounts"},"title":"Savings accounts"},{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/34e8bb25f5dfa20e/original/compare-savings-accounts-kids.PNG","transformBaseUrl":"https://assets.ing.com/transform/f0580146-2982-4ab4-ad3f-b94ebb064ef4/compare-savings-accounts-kids","type":"image","width":581},"intro":"Set money aside for your kids","link":{"url":"/en/individuals/saving/compare-savings-accounts-youth"},"title":"Savings accounts for children"}],"componentType":"cards"}]},"hasMacro":false,"id":"8cd0f41f-1bf9-4a6a-b1e8-adc0110b5c75","localeString":"en-GB","mainHeaderZone":{"componentType":"categoryHeader","coreHeader":{"subtitle":"Discover our solutions to save at your own pace","title":"Saving"}},"publishDate":"2026-03-27T15:28:55.611+01:00"}}