MeDirect savings account (October 2026)

MeDirect pays a 1,40% base rate and a 0,80% fidelity premium, 2,20% in total on the MeDirect Essential Sparen.

Checked on 27 October 2026

MeDirect savings accounts

MeDirect Essential SparenHas conditions

€0 to €25,000	1,40% + 0,80%
Above €25,000	0,00% + 0,80%

Category B: a savings account with a condition on the amount.
The balance may be at most € 25,000. Above it, we count 0%.
Online only.
Belgian Guarantee Fund

MeDirect Fidelity Sparen

Base rate	0,20%
Fidelity premium	+ 1,50%

Category A: a classic savings account with no extra conditions.
Online only.
Belgian Guarantee Fund

MeDirect Dynamic Sparen

Base rate	1,20%
Fidelity premium	+ 0,30%

Category A: a classic savings account with no extra conditions.
Online only.
Belgian Guarantee Fund

Go to the MeDirect website ↗

MeDirect compared with other banks

With € 25,000, MeDirect ranks 7 of 16 banks. Net in the first year, if your money stays 12 months:

Savings	MeDirect	Best bank	Best bank
€10,000	€220.00	NIBC	€350.00
€25,000	€550.00	NIBC	€875.00
€50,000	€750.00	NIBC	€1,640.50

Work out your net interest for any amount →

Frequently asked questions

What is the rate on the MeDirect savings account?

MeDirect pays a 1,40% base rate and a 0,80% fidelity premium, 2,20% in total on the MeDirect Essential Sparen.

Are my savings safe at MeDirect?

Yes. MeDirect has a Belgian banking licence. Your savings are protected up to € 100,000 per person by the Belgian Guarantee Fund.

Which bank has the highest savings rate?

Over a full year, Trade Republic pays the most now: 2,50% on the Rente op je geldrekening (base rate and fidelity premium together). What earns you the most depends on your balance and on withholding tax. The calculator works it out.