Savings accounts that work with your own current account (October 2026)
At these banks you do not need a current account. You link the savings account to your own current account at another bank. With €25,000, Santander Consumer Bank pays the most now: you keep €500.00 after tax in the first year, on the Vision Plus.
Interest on €25,000 in the first year, after tax
| # | Bank | Rate | Own current account | After tax |
|---|---|---|---|---|
| 1 | Santander Consumer BankVision Plus · Yes | 2,00% | Yes | €500.00 |
| 2 | NIBCGetrouwheidsrekening · Yes | 1,80% | Yes | €450.00 |
| 3 | MeDirectMeDirect Fidelity Sparen · Yes | 1,70% | Yes | €425.00 |
| 4 | BankBBankB-spaarrekening · Yes | 1,50% | Yes | €375.00 |
| 5 | INGING Spaarrekening · Yes | 1,50% | Yes | €375.00 |
| 6 | Triodos BankTriodos Impact Savings Fidelity · Yes | 1,20% | Yes | €300.00 |
| 7 | BeobankFidelity Plus spaarrekening · Yes | 0,80% | Yes | €200.00 |
| 8 | BNP Paribas FortisSpaarrekening · Yes | 0,50% | Yes | €125.00 |
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 it works
- You choose one current account in your own name. The bank calls it the reference account.
- You can only take money out to that reference account. This makes it harder for someone else to take your savings.
- You keep your current bank for your salary and payments. Only your savings move.
Frequently asked questions
Which savings account without a current account pays the most?
With €25,000, Santander Consumer Bank pays the most now: you keep €500.00 after tax in the first year, on the Vision Plus.
What is a reference account?
Your own current account at another bank. You transfer money to the savings account from it, and the bank only pays money out to it.
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.
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.