Looking for the best savings account rates in the Netherlands (spaarrente Nederland)? Below we compare the highest interest savings accounts – including flexible savings and fixed-term deposits.
All accounts mentioned are protected by the EU deposit guarantee.
Savings interest rates in the Netherlands have been quite volatile over the last few years. After years of extremely low yields, rates were increased significantly but are now on the way back down again.
When you account for surging inflation (which has been running between 3% and 15%) and box 3 wealth tax (about 1%) the reality is that you likely face negative real returns on your money.
Below we give an overview of the:
- top Dutch savings accounts
- best standard savings account rates in the Netherlands
- best 1 year fixed rate deposit accounts in the Netherlands
- best 2 year fixed rate deposit accounts in the Netherlands
If your savings are parked in one of the big 3 banks (ABN Amro, ING and Rabobank) then at least consider securing a better rate elsewhere.
Rates updated weekly – latest check: 22 Sep 2026
Best Variable Savings Account Rates Netherlands
| Bank Account | Interest Rate | |
 EuroExtravia Raisin +3.05% bonus | 2.35% | Open Account |
| IKB & others via Raisin +3.05% bonus | 2.25% | Open Account |
 OpenbankOpen Spaarrekening | 2.25% | |
 KlarnaFlex Rekening +3.00% bonus | 2.20% | Open Account |
 BigbankFlexibel Sparen +2.75% bonus | 2.00% | Open Account |
 AnadolubankSmart Savings | 1.90% | |
 ArgentaSpaarrekening | 1.90% | |
| Ayvens Bank Flexibel Sparen | 1.85% | |
| DHB Bank S@veOnlinerekening | 1.85% | |
| Yapi-Kredi Euro-Plus Savings | 1.80% | |
| Garanti BBVA Bank Gouden Internet Rekening | 1.55% | |
| NIBC Direct Spaarrekening | 1.55% | |
| bunq Savings 3.01% bonus rate | 1.51% | Open Account  |
| Lloyds Bank Internet Spaarrekening | 1.50% | |
| Rabobank Rabo SpaarRekening | up to 1.50% | |
| ABN AMRO Direct Sparen | up to 1.45% | Open Account |
| ASN Bank Ideaalsparen | up to 1.30% | |
| Nationale Nederlanden Internetsparen | up to 1.30% | |
 KNABFlexibel Sparen | 1.25% | |
| ING Bank Oranje Spaarrekening | up to 1.25% | |
| Triodos Bank Internet Sparen | up to 1.15% | |
| N26 Instant Savings 1.50% – new Metal accounts | 0.30% | Open Account |
These are variable interest rates and can change at any time.
Flags denote country of deposit guarantee with links to info from the respective finance authorities:
Netherlands Austria Belgium Estonia
France Germany 
Latvia 
Lithuania 
Portugal
Spain Sweden
Banks registered in the EU will have deposits covered by €100,000 (or equivalent).
For slightly higher rates you may choose to tie your money up for a fixed amount of time with ‘deposito’ accounts. Note that some term accounts require a minimum investment.
Here is an overview of 1 year (12 months) accounts:
Best 1 Year Fixed Rate Accounts in the Netherlands 2026
| Bank Account 1yr | Interest Rate | |
| BluOr Bank & SME Bank via Raisin min €10,000/€20,000 | 3.45% | Open account |
| Bigbank Deposito min €1,000 | 3.40% | Open account |
| Mano Bank via Raisin min €20,000 | 3.36% | Open account |
| Anadolubank Time Deposit | 3.10% | |
| Yapi-Kredi Euro-Plus Deposit | 3.10% | |
| Klarna Vaste Rekening No min deposit | 3.00% | Open account |
| DHB Bank MaxiSpaarrekening | 2.85% | |
| Garanti BBVA Bank Gouden Termijn Deposito | 2.85% | |
| Ayvens Bank Deposito sparen | 2.75% | |
| Argenta Termijndeposito | 2.70% | |
| NIBC Direct Termijndeposito | 2.56% | |
| bunq Termijndeposito | 2.11% | Open account |
| Triodos Bank Spaar Deposito | 2.10% | |
| Nationale Nederlanden Depositosparen | 2.00% | |
| KNAB Deposito sparen | 1.80% |
Here is an overview of 2 year (24 months) high yield accounts:
Best 2 Year Fixed Rate Accounts in the Netherlands 2026
| Bank Account 2yrs | Interest Rate | |
| Bigbank Deposito min €1,000 | 3.40% | Open account |
| InBank & Mano Bank via Raisin min €500/€20,000 | 3.36% | Open account |
| Anadolubank Time Deposit | 3.15% | |
| DHB Bank MaxiSpaarrekening | 3.10% | |
| Yapi-Kredi Euro-Plus Deposit | 3.10% | |
| Klarna Vaste Rekening No min deposit | 3.05% | Open account |
| Argenta Termijndeposito | 3.00% | |
| Ayvens Bank Deposito sparen | 2.85% | |
| Garanti BBVA Bank Gouden Termijn Deposito | 2.85% | |
| NIBC Direct Termijndeposito | 2.61% | |
| Triodos Bank Spaar Deposito | 2.15% | |
| Nationale Nederlanden Depositosparen | 2.10% | |
| bunq Termijndeposito | 1.91% | Open account |
| KNAB Deposito sparen | 1.90% |
Are foreign EU banks safe?
You may have noted the presence of some foreign banks in the Netherlands listings above. All are covered by the EU deposit scheme.
- The Turkish banks Anadolubank, DHB Bank (Demir-Halk Bank), Garanti BBVA Bank and Yapi-Kredi are all registered in the Netherlands and are covered by the Dutch deposit guarantee.
- Argenta is an independent bank from Belgium.
- Lloyds Bank is from the UK but its Dutch business is registered in Germany.
- Openbank is part of the Santander Group in Spain.
- Klarna is a well known Swedish financial services firm.
- Raisin is an international portal based in Germany which offers free access to high-rate savings and fixed term accounts across the EU. Deposit guarantee depends on location of partner bank.
- N26 is an app-based bank from Germany with free and paid accounts.
- Bigbank is an Estonian financial institution involved in consumer credit with an online presence in the Netherlands.
- KNAB is a Dutch digital bank which is now owned by Austrian BAWAG Group and is covered by the Austrian deposit guarantee.
The following are Dutch banks headquartered in the Netherlands: ABN AMRO, ASN Bank, Ayvens Bank, bunq, ING Bank, Nationale Nederlanden, NIBC Direct, Rabobank and Triodos Bank. See our guide How to Open a Dutch bank account
Netherlands Interest Rates
Netherlands is in the Eurozone and uses the euro (€) as its currency.
The European Central Bank (ECB) sets interest rates across the entire eurozone. Netherlands interest rates are therefore set by the ECB.
There are 2 key rates:
- Deposit Rate (banks use this to make overnight deposits with the ECB)
- Base rate (also called Main refinancing operations, a higher rate where banks can borrow funds from the ECB on a weekly basis)
Current ECB rate
The current ECB rates stand at 2.65% (base rate) and 2.50% (deposit rate). Source: ECB
- Following the 2007-8 financial crisis Eurozone interest rates were reduced to practically 0%
- The deposit rate was actually negative between 2014-2022
- Interest rates rose in 2022-23 with the deposit rate peaking at 4.00%
- Interest rates were cut 7 times during 2024-45 down to 2.00% (deposit rate)
- Rates have been raised 50 basis points in 2026 (last raise 16 Sep 2026)
De Nederlandsche Bank (DNB) is the national central bank for the Netherlands within the Eurosystem. It is headquartered in Amsterdam and manages the the Dutch deposit guarantee scheme.
When the guilder was replaced by the Euro in 2002 the DNB stopped setting interest rates in the Netherlands.
How to Choose a Savings Account in the Netherlands
Choosing the best savings account in the Netherlands depends on your goals, flexibility needs and risk preferences. Here are a few key factors:
1. Variable vs Fixed Interest Rates
Variable savings accounts (spaarrekening or flexibel sparen) offer the most flexibility and you can generally withdraw your money at any time. However the underlying rate can change.
Fixed-term deposits (deposito) on the other hand offers a fixed higher interest rate, but your money is locked in for a set period (e.g. 1 or 2 years). Interest rates are usually higher for longer dated terms, however the yield curve flattens out after about 2 years.
If you think you may need access to your funds, a variable account is usually the better choice.
2. Interest Rate (and Bonus Rates)
Some banks offer introductory bonus rates for new customers but note these typically last only a few months. Make sure to check the standard rate after the bonus period ends as your rate could fall significantly.
3. Deposit Guarantee Scheme (Safety)
As we have seen, savings in the Netherlands and across the EU are protected under the
Deposit Guarantee Scheme. This covers up to €100,000 per bank (or banking group) per person. De Nederlandsche Bank manages this facility in the Netherlands.
4. Foreign vs Dutch Banks
Many of the highest savings rates in the Dutch market come from foreign EU banks. These are generally run via online platforms such as Raisin and there may be no physical branches in the Netherlands. Customer service could be international rather than local.
5. Minimum Deposits & Withdrawal Conditions
Some accounts require a minimum deposit – for example Bigbank requires €1,000 minimum for a fixed rate account. Some accounts may have restrictions on withdrawals so always check the terms before opening an account.
6. Taxes on Savings (Box 3)
Assets and savings in the Netherlands are subject to ‘Box 3’ reporting on tax returns. Any assets are taxed on assumed returns, not on the actual interest earned. See more on taxation in the Netherlands
7. Ease of Use & Access
You should also consider some practical factors such as whether there is an English-language interface, how quickly accounts can be opened, what are the ID requirements, how easy it is to deposit or withdraw funds. Neobanks like bunq and N26 offer an app-based banking ecosystem.
Banks using English portals for Netherlands customers are: ABN Amro, Anadolubank, bunq, N26 and Yapi Kredi.
Choosing a higher rate savings account is one aspect of managing your finances. If you need flexibility choose a variable account. If you seek high returns then consider foreign banks like Raisin or fixed deposit rates.
Savings Accounts Dutch Glossarysparen – savings |
This page is for information purposes only, we are not offering any financial advice. Interest rates in tables are listed in order (highest to lowest) – any equal rates are listed in alphabetical order of bank name.
We try to present accurate info but as ever products and interest rates can change at any time beyond our control.
Last checked and updated 22 September 2026.
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