ING Conto Arancio review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
ING Conto Arancio gives Italian savers an easy access account with a variable rate of 4%, no monthly fee and no minimum deposit. It suits freelancers and anyone already holding a Conto Corrente Arancio, which the savings must be linked to.
Key facts
- Best for
- Freelancers parking cash in an easy access account linked to a Conto Corrente Arancio.
- Headline rate
- 4%↗
- Rate type
- Variable↗
- Minimum deposit
- €0↗
- Access terms
- No lock-in, savings free to withdraw or transfer at any time; first deposit of any amount required; must be linked to a Conto Corrente Arancio (default account); interest credited at year end or on account closure↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- ING BANK N.V. Milan Branch↗
- Headquarters
- Italy↗
- Founded
- 2001↗
- Support channels
- Phone, Help-centre, Email↗
- Pricing model
- No monthly fee
- Official website
- ing.it
Everyday accounts
- Local account details
- IBAN↗
- Transfer fee
- 0 EUR for SEPA and instant SEPA transfers↗
- Audience
- Freelancers
- Features
- Joint account, Digital-only, Free ATM withdrawals
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- No monthly fee at €0 and no minimum deposit at €0
- Easy access savings you can withdraw or transfer at any time
- Variable rate of 4%, ranking 142 of 473 brands
- 0 EUR for SEPA and instant SEPA transfers
Cons
- Interest is credited at year end or on account closure
- The rate is variable, so the return can move
- The account must be linked to a Conto Corrente Arancio, a separate product to open
Who it suits
- Freelancers in Italy who keep a Conto Corrente Arancio as their main account
- Anyone saving in euros who needs access to the money without notice
- Joint households who want both partners on the same easy access savings
Who should look elsewhere
- People who want a fixed return for a set term, since this rate is variable
- AXI Card Tarjeta y Credito and Plazo ES, which pay headline rates of 21.59% and 24.19%
How ING Conto Arancio compares
9.3 vs 8.6
9.3 vs 9.5
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 8.9
9.3 vs 8.7- 9.3 vs 8.0
9.3 vs 9.0
9.3 vs 8.1
9.3 vs 8.7
9.3 vs 8.0
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 9.0
Where ING Conto Arancio is available
- Available
- Italy
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does ING Conto Arancio pay?+
It pays a variable headline rate of 4% on the balance. Most savings accounts on the site are variable, and this one ranks 142 of 473 brands on headline rate.
Is there a monthly fee or a minimum deposit?+
There is a monthly fee of €0 and a minimum deposit of €0, with a first deposit of any amount needed to start. That is a low barrier next to a site median of €0.
Can I get at my money while it earns interest?+
Yes. The account kind is easy access with no lock-in, so savings are free to withdraw or transfer at any time. Interest is credited at year end or on account closure rather than added to the balance along the way.
Do I need a current account to open it?+
The savings has to be linked to a Conto Corrente Arancio, the default current account, so two ING products are paired. The joint account, digital-only service and free ATM withdrawals come from that current account.
Which legal entity holds the money?+
The account is run by ING BANK N.V. Milan Branch, headquartered in Italy, with the group operating since 2001. A local IBAN is provided, the most common local detail across the site at 73.8%.
Who is it aimed at?+
The listed audience is freelancers, and the wider site leans towards business, where 56.5% of brands target it. Freelancers cover 18.8% of the site, so this is a more targeted account than most.
What support channels are available?+
Support runs on phone, help centre and email, a broad mix, since phone support appears on 79.5% of brands. A help centre and email mean questions can be raised outside banking hours.
How does the rate compare with other savings?+
The site median headline rate is 3% and the upper quartile is 4.15%, so 4% sits above the median but under the upper quartile. Easy access accounts make up 76.7% of the site.
Sources
- ing.it/chi-e-ing/societa.html checked September 26, 2026
Backs: Founded
“Turn on the future (2011) - We celebrated 10 years of activity in Italy”
- ing.it/collegamenti-utili/disclaimer.html checked September 26, 2026
Backs: Legal entity
“ING BANK N.V. Milan Branch is the sole owner of the Site and its content”
- ing.it/conti-correnti/confronta-conti.html checked September 26, 2026
Backs: Transfer fee
“SEPA transfers, also instant: 0 EUR”
- ing.it/conto-arancio/conto-deposito-online.html checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Headquarters, Minimum deposit, Pricing model, Monthly fee, Rate type, Support channels
“Savings on Conto Arancio (deposit account) are free, not tied. You can withdraw or transfer the money at any time”
- ing.it/conto-corrente-arancio/conto-corrente-online.html checked September 26, 2026
Backs: Audience, Features
“If you are a self-employed professional or a sole trader, we will ask for your VAT number certificate”
- ing.it/faq/conto-corrente-arancio.html checked September 26, 2026
Backs: Local account details
“Where do I find my IBAN details? Can I get an account title document?”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Deposit protection.
Related by the facts
ING Conto Arancio
Freelancers parking cash in an easy access account linked to a Conto Corrente Arancio.