The best savings account for couples (October 2026)
At these banks you can open a savings account together, as a joint account. With €50,000, Keytrade Bank pays the most now: you keep €1,000.00 after tax in the first year, on the Spaarrekening High Fidelity. This counts the tax-free amount for a married or legally cohabiting couple: €2,040 of interest together.
Interest on €50,000 in the first year, after tax
| # | Bank | Rate | Joint account | After tax |
|---|---|---|---|---|
| 1 | Keytrade BankSpaarrekening High Fidelity · Yes | 2,00% | Yes | €1,000.00 |
| 2 | Santander Consumer BankVision Plus · Yes | 2,00% | Yes | €1,000.00 |
| 3 | NIBCGetrouwheidsrekening · Yes | 1,80% | Yes | €900.00 |
| 4 | ArgentaGetrouwheidsrekening · Yes | 1,70% | Yes | €850.00 |
| 5 | MeDirectMeDirect Fidelity Sparen · Yes | 1,70% | Yes | €850.00 |
| 6 | BelfiusBelfius Fidelity Spaarrekening · Yes | 1,65% | Yes | €825.00 |
| 7 | INGING Spaarrekening · Yes | 1,50% | Yes | €750.00 |
| 8 | NagelmackersSuperior+ Spaarrekening · Yes | 1,50% | Yes | €750.00 |
| 9 | bunqSpaarrekening · Yes | 1,61%3,11% welcome rate, 2 months | Yes | €651.00 |
| 10 | Triodos BankTriodos Impact Savings Fidelity · Yes | 1,20% | Yes | €600.00 |
| 11 | BeobankFidelity Plus spaarrekening · Yes | 0,80% | Yes | €400.00 |
| 12 | KBCKBC-Spaarrekening · Yes | 0,60% | Yes | €300.00 |
| 13 | BNP Paribas FortisSpaarrekening · Yes | 0,50% | Yes | €250.00 |
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.
Good to know when you save together
- Married and legally cohabiting partners each have a tax-free €1,020 of interest per year on regulated savings accounts. Together that is €2,040.
- On a joint account the deposit guarantee covers € 100,000 per account holder. For two people that is € 200,000 at one bank.
- Agree with the bank how you can use the money: each of you alone, or only together.
- 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.
Frequently asked questions
Which bank has the best joint savings account?
With €50,000, Keytrade Bank pays the most now: you keep €1,000.00 after tax in the first year, on the Spaarrekening High Fidelity.
Do we get the tax-free amount twice?
Yes, if you are married or legally cohabiting. Each partner has €1,020 of tax-free interest per year on regulated savings accounts, so €2,040 together.
How much of a joint account is protected?
The deposit guarantee covers € 100,000 per person per bank. On a joint account of two people, that is € 200,000 together, if neither of you has other savings at that bank.
We check facts such as a joint account or an English app by hand, on the banks’ own websites. Last checked on 27 October 2026. Banks can change them, so check with the bank before you open an account.