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Savings Accounts Rates in the Netherlands

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.

klarna logoThe highest 2 year deposit account rate currently available in the Netherlands is from Klarna. This is a financial services company based in Sweden and is covered by the Swedish (EU) deposit scheme.

 Open a 2 year Klarna deposit (2.80%) account

Best Savings Accounts Rates Netherlands – July 2025

Bank Account
Interest Rate
Bigbank Flexibel Sparen
2.05% Apply
Carrefour / Distingo via Raisin2.01% Apply
Klarna Flex Rekening
1.90% Apply
Openbank Open Spaarrekening *
1.90% Apply
Yapi-Kredi Euro-Plus Savings
1.80%
Anadolubank Alfa Slimmer Sparen
1.75%
DHB Bank S@veOnlinerekening
1.70%
Argenta Internet Spaarrekening1.60%
Ayvens Bank Flexibel Sparen1.55%
Garanti Bank Gouden Internet Rekening1.55%
NIBC Direct Spaarrekening1.55%
bunq Savings *
1.51% Apply
Lloyds Bank Internet Spaarrekening1.50%
KNAB Flexibel Sparenup to 1.50%
Rabobank Rabo SpaarRekeningup to 1.50%
ABN AMRO Direct Sparenup to 1.45% Apply
ASN Bank Ideaalsparenup to 1.40%
Nationale Nederlanden Internetsparenup to 1.40%
Triodos Bank Internet Sparenup to 1.30%
ING Bank Oranje Spaarrekeningup to 1.25%
N26 Instant Savings Account *
0.30%
Apply

These are variable interest rates and can change at any time.

* Savings Accounts with Bonus Rates (new customers)

Bank Account
Bonus RateBonus Term
Openbank Welkom Open Spaarrekening2.40%6 monthsApply
bunq Savings2.01%
0-6 months Apply
N26 Instant Savings Account (Metal)2.00%ongoingApply

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 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.
  • 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 2025

Bank Account 1yr
Interest Rate
SME Bank via Raisin2.65% Apply
Mano Bank via Raisin2.61% Apply
Klarna2.53% Apply
Bigbank Deposito2.40% Apply
Anadolubank Termijn Deposito2.15%
Garanti Bank Gouden Termijn Deposito2.15%
Yapi Kredi Euro-Plus Deposit2.15%
Argenta Termijndeposito2.10%
Ayvens Bank Deposito sparen2.05%
DHB Bank MaxiSpaarrekening2.05%
NIBC Direct Termijndeposito2.00%
KNAB Deposito sparen1.80%
Nationale Nederlanden Depositosparen1.70%
Triodos Bank Spaar Deposito1.65%

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.

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

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 11 July 2025.

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