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 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 Dutch bonus rates savings account rates
- best standard savings account rates in the Netherlands.
- best 1 year fixed rate deposit accounts in the Nethelands
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.
Openbank has a welcome 3.00% interest rate for 3 months to new customers opening a savings account. Their standard account rate is 1.90%, still one of the market leading rates.
Check Openbank’s welcome offer here (Dutch).
Dutch Savings Accounts with Bonus Rates (new customers)
| Bank Account | Bonus Rate | |
| Openbank | 3.00% (3 months) | Apply |
| Yapi Kredi | 3.00% (3 months) | |
| Raisin | 2.85% (3 months) | Apply |
| bunq | 2.01% (0-6 months) | Apply |
Best Savings Accounts Rates Netherlands – January 2026
| Bank Account | Interest Rate | |
| Bigbank Flexibel Sparen | 2.10% | |
| BW-Bank via Raisin | 1.92% | Apply |
| Distingo via Raisin | 1.91% | Apply |
| Openbank Open Spaarrekening | 1.90% | Apply |
| Ayvens Bank Flexibel Sparen | 1.85% | |
| Yapi-Kredi Euro-Plus Savings | 1.80% | |
| Anadolubank Alfa Slimmer Sparen | 1.75% | |
| Klarna Flex Rekening | 1.75% | Apply |
| Argenta Internet Spaarrekening | 1.60% | |
| DHB Bank S@veOnlinerekening | 1.60% | |
| Garanti Bank Gouden Internet Rekening | 1.55% | |
| bunq Savings | 1.51% | Apply |
| Lloyds Bank Internet Spaarrekening | 1.50% | |
| NIBC Direct Spaarrekening | 1.45% | |
| ABN AMRO Direct Sparen | up to 1.45% | Apply |
| KNAB Flexibel Sparen | up to 1.40% | |
| Rabobank Rabo SpaarRekening | up to 1.40% | |
| ASN Bank Ideaalsparen | up to 1.30% | |
| Nationale Nederlanden Internetsparen | up to 1.30% | |
| ING Bank Oranje Spaarrekening | up to 1.25% | |
| Triodos Bank Internet Sparen | up to 1.25% | |
| N26 Instant Savings Account | 0.30% |
These are variable interest rates and can change at any time.
You may have noted the presence of some foreign banks in the Netherlands listings above. Banks registered in the EU will all be covered by their particular county’s deposit scheme – all roughly €100,000.
- 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 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.
- 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.
Interestingly, the 3 main banks and the so-called “sustainable” banks (ASN and Triodos) offer some of the lowest rates.
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 2026
| Bank Account 1yr | Interest Rate | |
| Bigbank Deposito | 2.70% | |
| Fjord Bank via Raisin | 2.70% | Apply |
| SME Bank via Raisin | 2.70% | Apply |
| BluOr Bank via Raisin | 2.66% | Apply |
| Anadolubank Termijn Deposito | 2.35% | |
| Yapi Kredi Euro-Plus Deposit | 2.35% | |
| Garanti Bank Gouden Termijn Deposito | 2.15% | |
| bunq Termijndeposito | 2.11% | Apply |
| Klarna Fix Rekening | 2.11% | Apply |
| Argenta Termijndeposito | 2.10% | |
| Ayvens Bank Deposito sparen | 2.10% | |
| DHB Bank MaxiSpaarrekening | 2.05% | |
| NIBC Direct Termijndeposito | 2.00% | |
| KNAB Deposito sparen | 1.80% | |
| Triodos Bank Spaar Deposito | 1.80% | |
| Nationale Nederlanden Depositosparen | 1.70% |
Some term accounts require a minimum investment.
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.
In 2025 it has lowered rates 4 times (last 11 Jun 25) after lowering 4 times in 2024. It stands at 2.15% (base rate) and 2.00% (deposit rate). Source: ECB
Official deposit guarantee info: Up to what amount is my money protected? (Dutch Central Bank)
Savings Accounts Dutch Glossary
sparen – savings
spaarrekening – savings account
rente – interest rate
deposito – fixed term deposit
depositogarantie / stortinggarantie – deposit guarantee
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 3 January 2026.
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