ING Cuenta Naranja is Spain's most famous savings account, but in 2026 it pays only 0.30% APY — well below what other platforms offer without conditions. Here's the real analysis and where to find better rates.
How much does ING Cuenta Naranja pay in 2026?
New clients get 3.00% APY for the first 90 days (welcome deposit). After that: 0.30% APY on the Cuenta Naranja, indefinitely. The gap between ING (0.30%) and the best alternatives (2.27%-3.50%) means leaving €172-320/year on the table per €10,000 saved.
Better alternatives in 2026
- XTB: 3.50% APY, no conditions
- Scalable Capital: 2.50% APY, no conditions
- Revolut: 2.27% APY, no conditions
- Trade Republic: 2.02% APY, no conditions
FAQ
How much does ING Cuenta Naranja pay in 2026?
0.30% APY ongoing. New customers get 3.00% APY for the first 90 days on the welcome deposit, then it drops to 0.30%.
Does ING Cuenta Naranja require a payroll direct debit?
No. The Cuenta Naranja has no payroll requirement. Only a linked ING current account is needed.