The best savings account for €100,000 (October 2026)
With €100,000, Keytrade Bank pays the most now: you keep €1,853.00 after tax in the first year, on the Spaarrekening High Fidelity. At BNP Paribas Fortis you would keep €500.00. That is €1,353.00 less in one year.
Interest on €100,000 in the first year, after tax
| # | Bank | Rate | Guarantee | After tax |
|---|---|---|---|---|
| 1 | Keytrade BankSpaarrekening High Fidelity · French | 2,00% | French | €1,853.00 |
| 2 | Santander Consumer BankVision Plus · Spanish | 2,00% | Spanish | €1,853.00 |
| 3 | NIBCGetrouwheidsrekening · Dutch | 1,80% | Dutch | €1,683.00 |
| 4 | ArgentaGetrouwheidsrekening · Belgian | 1,70% | Belgian | €1,598.00 |
| 5 | MeDirectMeDirect Fidelity Sparen · Belgian | 1,70% | Belgian | €1,598.00 |
| 6 | BelfiusBelfius Fidelity Spaarrekening · Belgian | 1,65% | Belgian | €1,555.50 |
| 7 | BankBBankB-spaarrekening · Belgian | 1,50% | Belgian | €1,428.00 |
| 8 | INGING Spaarrekening · Belgian | 1,50% | Belgian | €1,428.00 |
| 9 | NagelmackersSuperior+ Spaarrekening · Belgian | 1,50% | Belgian | €1,428.00 |
| 10 | bunqSpaarrekening · Dutch | 1,61%3,11% welcome rate, 2 months | Dutch | €1,302.00 |
| 11 | Triodos BankTriodos Impact Savings Fidelity · Dutch | 1,20% | Dutch | €1,173.00 |
| 12 | Trade RepublicRente op je geldrekening · Partner banks | 2,50%3,00% for new customers | Partner banks | €1,050.00 |
| 13 | BeobankFidelity Plus spaarrekening · Belgian | 0,80% | Belgian | €800.00 |
| 14 | EuropabankRenteboekje · Belgian | 0,75% | Belgian | €750.00 |
| 15 | KBCKBC-Spaarrekening · Belgian | 0,60% | Belgian | €600.00 |
| 16 | BNP Paribas FortisSpaarrekening · Belgian | 0,50% | Belgian | €500.00 |
Only easy-access accounts: you can take your money out at any time. The rate is the base rate plus the fidelity premium. The interest is what you keep after withholding tax, if the money stays 12 months. Welcome rates count for the months you get them. One account per bank: the one that pays the most.
What to look out for
- The fidelity premium is paid only on money that stays in the account for 12 months in a row. The list counts it, so it assumes you leave the money for a year.
- On a regulated savings account, the first €1,020 of interest per person per year is tax-free. Above it, you pay 15%.
- Some accounts are not regulated. There you pay 30% tax from the first euro, so a higher rate can still give you less.
Frequently asked questions
Which bank pays the most interest on €100,000?
With €100,000, Keytrade Bank pays the most now: you keep €1,853.00 after tax in the first year, on the Spaarrekening High Fidelity.
How much interest do I get on €100,000?
Between €500.00 and €1,853.00 after tax in the first year, depending on the bank.
Do I pay tax on the interest?
On a regulated savings account, the first €1,020 of interest per person per year is tax-free. Above that, the bank withholds 15%. On an account that is not regulated, the bank withholds 30% from the first euro. The amounts on this page are after tax.
Are my savings safe?
Yes, up to € 100,000 per person per bank. Every bank on this page is covered by a deposit guarantee scheme. If a bank fails, the scheme pays your savings back up to that amount.