Savings interest rates in the Netherlands have been quite volatile over the last few years. After years of extremely low rates, rates were increased significantly but are now on the way down again.
When you account for surging inflation (which has been running between 3% and 15%) and wealth tax (about 1%) the reality is that you likely face negative real returns on your money.
Below we give an overview of the best standard savings account rates 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.
Some of the highest savings account rates currently available in the Netherlands are from Raisin NL. This is an international portal (based in Germany) which offers free access to high-rate savings and fixed term accounts across the EU.
It has 800,000 customers and all savings accounts are covered by the EU deposit guarantee. Open a high interest Raisin account here
Best Savings Accounts Rates Netherlands – April 2025
| Bank Account | Interest Rate | |
| Openbank Open Spaarrekening * | 2.50% | Apply |
| Distingo via Raisin | 2.31% | Apply |
| Bigbank Flexibel Sparen | 2.30% | Apply |
| Morrow via Raisin | 2.30% | Apply |
| Anadolubank Alfa Slimmer Sparen | 2.20% | |
| Yapi-Kredi Euro-Plus Savings | 2.20% | |
| Argenta Internet Spaarrekening | 2.00% | |
| DHB Bank S@veOnlinerekening | 2.00% | |
| Lloyds Bank Internet Spaarrekening | 2.00% | |
| Ayvens Bank Flexibel Sparen | 1.80% | |
| bunq Savings * | 1.76% | Apply |
| Garanti Bank Gouden Internet Rekening * | 1.75% | |
| KNAB Flexibel Sparen | 1.75% | |
| NIBC Direct Spaarrekening | 1.75% | |
| Nationale Nederlanden Internetsparen | up to 1.75% | |
| Rabobank Rabo SpaarRekening | up to 1.70% | |
| ASN Bank Ideaalsparen | up to 1.55% | |
| SNS Bank Internet Sparen | up to 1.55% | |
| ABN AMRO Direct Sparen | 1.50% | Apply |
| ING Bank Oranje Spaarrekening | up to 1.50% | |
| Triodos Bank Internet Sparen | up to 1.45% | |
| N26 Instant Savings Account * | 0.80% | Apply |
These are variable interest rates and can change at any time.
* Savings Accounts with Bonus Rates (new customers)
| Bank Account | Bonus Rate | Bonus Term | |
| Garanti Bank Gouden Internet Rekening | 3.05% | 3 months | |
| Openbank Welkom Open Spaarrekening | 2.75% | 6 months | Apply |
| bunq Savings | 2.51% | 0-6 months | Apply |
| N26 Instant Savings Account (Metal) | 2.50% | ongoing | Apply |
You will note the presence of some foreign banks in the above listing.
- The Turkish banks Anadolubank, DHB Bank (Demir-Halk Bank), Garanti 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 now registered in Germany.
- Openbank is part of the Santander Group in Spain.
- Bigbank is an Estonian financial institution involved in consumer credit with an online presence in the Netherlands.
For slightly higher rates you may choose to tie your money up for a fixed amount of time. Here is an overview of 1 year accounts:
Best 1 Year Fixed Rate Accounts in the Netherlands 2025
| Bank Account 1yr | Interest Rate | |
| BluOr Bank via Raisin | 2.66% | Apply |
| Fjord Bank / SME Bank via Raisin | 2.55% | Apply |
| Anadolubank Termijn Deposito | 2.50% | |
| Argenta Termijndeposito | 2.50% | |
| Bigbank Deposito | 2.40% | Apply |
| Garanti Bank Gouden Termijn Deposito | 2.40% | |
| NIBC Direct Termijndeposito | 2.35% | |
| Yapi Kredi Euro-Plus Deposit | 2.35% | |
| Ayvens Bank Deposito sparen | 2.30% | |
| DHB Bank MaxiSpaarrekening | 2.30% | |
| KNAB Deposito sparen | 2.15% | |
| Nationale Nederlanden Depositosparen | 2.15% | |
| Openbank Spaardeposito | 2.02% | Apply |
| Triodos Bank Spaar Deposito | 1.95% |
Some term accounts require a minimum investment. Higher rates are available for longer fixed terms.
Netherlands Interest Rates
Interest rates in the Netherlands are set by the European Central Bank (ECB) as the country is part of the euro currency.
The ECB raised its benchmark rates 4 times in 2022 and 6 times in 2023.
In 2025 it has lowered rates 2 times (last 12 Mar 25) after lowering 4 times in 2024. It stands at 2.65% (base rate) and 2.50% (deposit rate). Source: ECB
Savings Accounts Dutch Glossary
sparen – savings
spaarrekening – savings account
rente – interest rate
deposito – fixed term deposit
This page is for information purposes only, we are not offering any financial advice. We try to present accurate info but as ever products and interest rates can change at any time.
Last updated 1 April 2025.
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