The best savings account for a large amount (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. Above € 100,000, the deposit guarantee is the bigger question: it covers € 100,000 per person per bank.
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.
How to save a large amount
- Spread your savings so that you have at most € 100,000 at each bank. Then all of it is protected.
- Some brands are the same bank: KBC, KBC Brussels and CBC; BNP Paribas Fortis, Fintro and Hello bank!; Santander Consumer Bank and Openbank. The € 100,000 covers each group together.
- The tax-free €1,020 of interest is per person for all your regulated savings accounts together, not per bank.
- Some accounts pay a lower rate, or no rate, above a certain amount. The list counts this.
Frequently asked questions
Which bank pays the most on a large amount?
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.
What happens to savings above € 100,000 if a bank fails?
The deposit guarantee does not cover the part above € 100,000. You become a creditor of the bank, and you may not get that part back.
How do I protect more than € 100,000?
Open savings accounts at more than one bank, with at most € 100,000 at each. Check that the banks are not part of the same group.
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.