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.
The 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 Raisin | 2.01% | 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 Spaarrekening | 1.60% | |
| Ayvens Bank Flexibel Sparen | 1.55% | |
| Garanti Bank Gouden Internet Rekening | 1.55% | |
| NIBC Direct Spaarrekening | 1.55% | |
| bunq Savings * | 1.51% | Apply |
| Lloyds Bank Internet Spaarrekening | 1.50% | |
| KNAB Flexibel Sparen | up to 1.50% | |
| Rabobank Rabo SpaarRekening | up to 1.50% | |
| ABN AMRO Direct Sparen | up to 1.45% | Apply |
| ASN Bank Ideaalsparen | up to 1.40% | |
| Nationale Nederlanden Internetsparen | up to 1.40% | |
| Triodos Bank Internet Sparen | up to 1.30% | |
| ING Bank Oranje Spaarrekening | up 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 Rate | Bonus Term | |
| Openbank Welkom Open Spaarrekening | 2.40% | 6 months | Apply |
| bunq Savings | 2.01% | 0-6 months | Apply |
| N26 Instant Savings Account (Metal) | 2.00% | 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 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 Raisin | 2.65% | Apply |
| Mano Bank via Raisin | 2.61% | Apply |
| Klarna | 2.53% | Apply |
| Bigbank Deposito | 2.40% | Apply |
| Anadolubank Termijn Deposito | 2.15% | |
| Garanti Bank Gouden Termijn Deposito | 2.15% | |
| Yapi Kredi Euro-Plus Deposit | 2.15% | |
| Argenta Termijndeposito | 2.10% | |
| Ayvens Bank Deposito sparen | 2.05% | |
| DHB Bank MaxiSpaarrekening | 2.05% | |
| NIBC Direct Termijndeposito | 2.00% | |
| KNAB Deposito sparen | 1.80% | |
| Nationale Nederlanden Depositosparen | 1.70% | |
| Triodos Bank Spaar Deposito | 1.65% |
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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