Savings interest rates in the Netherlands have increased over the last couple of years after being very low.
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.
One 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 2024
| Bank Account | Interest Rate | |
| bunq Easy Savings | 3.36% | Apply |
| Distingovia Raisin | 3.26% | Apply |
| Collector Bank / Morrow / Nordax Bank via Raisin | 3.23% | Apply |
| HoistSparen / CKV via Raisin | 3.20% | Apply |
| N26 Instant Savings Account * | up to 3.00% | Apply |
| Openbank Open Spaarrekening + | 2.75% | Apply |
| Bigbank Flexibel Sparen | 2.70% | |
| Yapi-Kredi Euro-Plus Savings | 2.60% | |
| Lloyds Bank Internet Spaarrekening | 2.50% | |
| Anadolubank Alfa Slimmer Sparen | 2.30% | |
| DHB Bank S@veOnlinerekening | 2.30% | |
| LeasePlan Bank Flexibel Sparen | 2.20% | |
| Argenta Internet Spaarrekening | 2.15% | |
| NIBC Direct Spaarrekening | 2.00% | |
| KNAB Flexibel Sparen | up to 2.00% | |
| Nationale Nederlanden Internetsparen | up to 2.00% | |
| SNS Bank Internet Sparen | up to 1.80% | |
| Garanti Bank Gouden Internet Rekening | 1.75% | |
| ASN Bank Ideaalsparen | up to 1.75% | |
| Rabobank Rabo SpaarRekening | up to 1.70% | |
| Triodos Bank Internet Sparen | up to 1.70% | |
| ABN AMRO Direct Sparen | 1.50% | Apply |
| ING Bank Oranje Spaarrekening | up to 1.50% |
These are variable interest rates and can change at any time.
* N26 offers a rate of 3.00% for Metal customers only. ‘You’ customers get 2.00% and ‘Smart’/’Standard’ get 1.7%.
+ Openbank has a 6 month 3.65% bonus rate available for new ‘Welkom Open Spaarrekening‘ customers.
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 2024
| Bank Account 1yr | Interest Rate | |
| Banca Progetto via Raisin | 3.70% | Apply |
| BluOr Bank / LHV via Raisin | 3.60% | Apply |
| ProCredit Bank via Raisin | 3.56% | Apply |
| Openbank Spaardeposito | 3.45% | Apply |
| Yapi Kredi Euro-Plus Deposit | 3.30% | |
| Anadolubank Termijn Deposito | 3.25% | |
| Bigbank Deposito | 3.20% | |
| Argenta Termijndeposito | 3.00% | |
| DHB Bank MaxiSpaarrekening | 3.00% | |
| Garanti Bank Gouden Termijn Deposito | 2.90% | |
| KNAB Deposito sparen | 2.90% | |
| LeasePlan Bank Deposito sparen | 2.75% | |
| NIBC Direct Termijndeposito | 2.70% | |
| Nationale Nederlanden Depositosparen | 2.50% | |
| Triodos Bank Spaar Deposito | 2.35% |
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 2024 it has lowered rates once. It stands at 4.25% (base rate) and 3.75% (deposit rate).
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 23 August 2024.
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