Where do your savings earn the most interest?

Current savings rates from 15 banks.Rates updated on 22 October 2026

			Guarantee
Trade Republic	2.50%	new customers · up to €50,0003.00%	EU
Openbank	up to €300,0002.25%	6 mo · up to €1,000,0003.10%	ES
Santander Consumer Bank	2.20%	6 mo · up to €250,0003.01%	ES
DHB BankHas conditions	2.00%	—	NL
DHB Bank	1.85%	6 mo · up to €50,0003.00%	NL
Yapı Kredi Bank	1.80%	3 mo3.30%	NL
bunq	up to €10,0001.61%	2 mo3.11%	NL
NIBCHas conditions	1.60%	—	NL
Rabobank	up to €10,0001.60%	—	NL
NIBC	1.55%	—	NL
Lloyds Bank	1.50%	—	DE
Nationale-Nederlanden	up to €10,0001.50%	—	NL
ABN AMROHas conditions	1.30%	—	NL
ASN Bank	up to €25,0001.30%	—	NL
ABN AMRO	up to €500,0001.25%	—	NL
ING	up to €10,0001.25%	—	NL
Knab	1.25%	—	NL
Triodos Bank	up to €10,0001.15%	—	NL

All details and the rate per balance are in the calculator.

Choose how much you save. We work out how much interest you get in one year at each bank.

Your savings

Count welcome ratesInclude accounts with conditions

Trade Republic3.00% for new customers€750.003.00% on average
Rate per balance
On the whole balance 2.50%
- 3.00% for new customers (up to €50,000)
- The higher rate is for new customers. Trade Republic gives no end date. Existing customers get the ECB deposit rate.
- You need the Trade Republic app. You get interest on money you do not invest.
- Partner banks' deposit guarantee
More about Trade Republic Go to Trade Republic ↗Checked on 22 October 2026
Openbank3.10% welcome rate, 6 months€668.752.68% on average
Rate per balance
€0 to €300,000 2.25%
Above €300,000 0.00%
- 3.10% welcome rate, 6 months (up to €1,000,000)
- Openbank states no rate above the maximum. We count 0% there.
- Santander Consumer Bank is the same bank. The € 100,000 deposit guarantee covers both together.
- Spanish deposit guarantee
More about Openbank Go to Openbank ↗Checked on 22 October 2026
Santander Consumer Bank3.01% welcome rate, 6 months€651.252.61% on average
Rate per balance
On the whole balance 2.20%
- 3.01% welcome rate, 6 months (up to €250,000)
- Openbank is the same bank. The € 100,000 deposit guarantee covers both together.
- Spanish deposit guarantee
More about Santander Consumer Bank Go to Santander Consumer Bank ↗Checked on 22 October 2026
DHB Bank3.00% welcome rate, 6 months€606.252.43% on average
Rate per balance
On the whole balance 1.85%
- 3.00% welcome rate, 6 months (up to €50,000)
- The welcome offer is only for people who were not a customer in the last 2 years.
- Dutch deposit guarantee
More about DHB Bank Go to DHB Bank ↗Checked on 22 October 2026
Yapı Kredi Bank3.30% welcome rate, 3 months€543.752.18% on average
Rate per balance
On the whole balance 1.80%
- 3.30% welcome rate, 3 months
- The welcome offer is only for new customers.
- Dutch deposit guarantee
More about Yapı Kredi Bank Go to Yapı Kredi Bank ↗Checked on 22 October 2026
DHB BankHas conditions€500.002.00% on average
Rate per balance
On the whole balance 2.00%
- You can withdraw 33 days after you announce it.
- Minimum € 500.
- Dutch deposit guarantee
More about DHB Bank Go to DHB Bank ↗Checked on 22 October 2026
bunq3.11% welcome rate, 2 months€452.501.81% on average
Rate per balance
€0 to €10,000 1.61%
Above €10,000 1.51%
- 3.11% welcome rate, 2 months
- Until the next 1 January or 1 July you get 3.11% on all your savings. After that only on money above your highest balance of the past six months.
- You need a bunq account. The free plan is enough.
- Dutch deposit guarantee
More about bunq Go to bunq ↗Checked on 22 October 2026
NIBCHas conditions€400.001.60% on average
Rate per balance
On the whole balance 1.60%
- This rate includes the quarterly bonus. You only get it if you meet the conditions.
- Dutch deposit guarantee
More about NIBC Go to NIBC ↗Checked on 22 October 2026
NIBC€387.501.55% on average
Rate per balance
On the whole balance 1.55%
- Works with your own current account at another bank.
- Dutch deposit guarantee
More about NIBC Go to NIBC ↗Checked on 22 October 2026
Rabobank€380.001.52% on average
Rate per balance
€0 to €10,000 1.60%
€10,000 to €20,000 1.50%
€20,000 to €100,000 1.40%
€100,000 to €5,000,000 1.30%
Above €5,000,000 0.00%
- You need a Rabobank current account.
- Dutch deposit guarantee
More about Rabobank Go to Rabobank ↗Checked on 22 October 2026
Lloyds Bank€375.001.50% on average
Rate per balance
On the whole balance 1.50%
- Lloyds Bank GmbH is a German bank.
- German deposit guarantee
More about Lloyds Bank Go to Lloyds Bank ↗Checked on 22 October 2026
Nationale-Nederlanden€345.001.38% on average
Rate per balance
€0 to €10,000 1.50%
€10,000 to €25,000 1.30%
€25,000 to €100,000 1.20%
Above €100,000 1.10%
- Works with your own current account at another bank.
- Dutch deposit guarantee
More about Nationale-Nederlanden Go to Nationale-Nederlanden ↗Checked on 22 October 2026
ABN AMROHas conditions€325.001.30% on average
Rate per balance
On the whole balance 1.30%
- 0.75% base rate plus 0.55% bonus. You only get the bonus if you meet the conditions for that quarter.
- Dutch deposit guarantee
More about ABN AMRO Go to ABN AMRO ↗Checked on 22 October 2026
ASN Bank€325.001.30% on average
Rate per balance
€0 to €25,000 1.30%
€25,000 to €50,000 1.20%
€50,000 to €100,000 1.20%
Above €100,000 1.00%
- SNS and RegioBank are now part of ASN Bank.
- Dutch deposit guarantee
More about ASN Bank Go to ASN Bank ↗Checked on 22 October 2026
ABN AMRO€312.501.25% on average
Rate per balance
€0 to €500,000 1.25%
€500,000 to €1,000,000 1.45%
Above €1,000,000 0.00%
- You need an ABN AMRO current account.
- Dutch deposit guarantee
More about ABN AMRO Go to ABN AMRO ↗Checked on 22 October 2026
Knab€312.501.25% on average
Rate per balance
On the whole balance 1.25%
- You need a Knab current account. It has a monthly fee.
- Dutch deposit guarantee
More about Knab Go to Knab ↗Checked on 22 October 2026
ING€275.001.10% on average
Rate per balance
€0 to €10,000 1.25%
€10,000 to €100,000 1.00%
€100,000 to €1,000,000 1.00%
Above €1,000,000 0.00%
- You need an ING current account.
- With ING Extra or ING Max you get extra interest on the first € 10,000.
- Dutch deposit guarantee
More about ING Go to ING ↗Checked on 22 October 2026
Triodos Bank€250.001.00% on average
Rate per balance
€0 to €10,000 1.15%
€10,000 to €25,000 0.90%
€25,000 to €100,000 0.90%
Above €100,000 0.80%
- Dutch deposit guarantee
More about Triodos Bank Go to Triodos Bank ↗Checked on 22 October 2026

Rate per balance
On the whole balance	2.50%

Rate per balance
€0 to €300,000	2.25%
Above €300,000	0.00%

Rate per balance
On the whole balance	2.20%

Rate per balance
On the whole balance	1.85%

Rate per balance
On the whole balance	1.80%

Rate per balance
On the whole balance	2.00%

Rate per balance
€0 to €10,000	1.61%
Above €10,000	1.51%

Rate per balance
On the whole balance	1.60%

Rate per balance
On the whole balance	1.55%

Rate per balance
€0 to €10,000	1.60%
€10,000 to €20,000	1.50%
€20,000 to €100,000	1.40%
€100,000 to €5,000,000	1.30%
Above €5,000,000	0.00%

Rate per balance
On the whole balance	1.50%

Rate per balance
€0 to €10,000	1.50%
€10,000 to €25,000	1.30%
€25,000 to €100,000	1.20%
Above €100,000	1.10%

Rate per balance
On the whole balance	1.30%

Rate per balance
€0 to €25,000	1.30%
€25,000 to €50,000	1.20%
€50,000 to €100,000	1.20%
Above €100,000	1.00%

Rate per balance
€0 to €500,000	1.25%
€500,000 to €1,000,000	1.45%
Above €1,000,000	0.00%

Rate per balance
On the whole balance	1.25%

Rate per balance
€0 to €10,000	1.25%
€10,000 to €100,000	1.00%
€100,000 to €1,000,000	1.00%
Above €1,000,000	0.00%

Rate per balance
€0 to €10,000	1.15%
€10,000 to €25,000	0.90%
€25,000 to €100,000	0.90%
Above €100,000	0.80%

How we calculate

We read the rates from each bank’s website every day. Each account shows when we last did.
Many banks pay less above a certain amount. Each rate applies only to the part of your balance inside that band. We calculate it the same way.
We assume your balance stays the same for a year. We do not count interest on interest: over one year it makes a difference of a few cents.
We count a welcome rate only for the months you get it. The normal rate counts for the rest of the year.

Is my money safe?

At every bank in this list, your savings are protected up to € 100,000 per person per bank by a deposit guarantee scheme. At a German or Spanish bank, it is that country’s scheme. Trade Republic keeps your money at European partner banks, under that bank’s scheme. The amount is the same everywhere. Note: Santander Consumer Bank and Openbank are the same bank, so the € 100,000 covers both together.

Frequently asked questions

Which bank has the highest savings rate?

Without a promotion, Trade Republic pays the highest rate now: 2.50% on the Betaalrekening met rente. With a welcome rate for new customers, Yapı Kredi Bank is highest: 3.30% for 3 months. What earns you the most depends on your balance. The calculator works it out.

What is the difference between the normal rate and a welcome rate?

Everyone gets the normal (base) rate. A welcome rate is a higher rate for new customers, for a few months. After that you get the normal rate. The calculator counts the welcome rate only for the months you get it.

What is a balance band?

Many banks pay a different rate above a certain amount. Each part of your balance gets the rate of its own band. For example: if you get 1.60% up to € 10,000 and 1.50% above, then on € 15,000 you get 1.60% on the first € 10,000 and 1.50% on the last € 5,000.

Are my savings safe?

At every bank in this comparison, your savings are protected up to € 100,000 per person per bank by a deposit guarantee scheme. If you have more, you can spread it over several banks.

How often are the rates updated?

Every day. We read the rates from the websites of all 15 banks. Each bank shows when we last did. Always check the rate with the bank before you move money.

What does easy access mean?

You can take your money out at any time, with no fee and without losing interest. Accounts with a notice period, or a bonus you lose when you withdraw, are marked "Has conditions".