Openbank savings rate (October 2026)
Openbank pays 2.25% interest on the Open Spaarrekening on your balance up to €300,000. New customers get 3.10% for 6 months on up to €1,000,000.
Openbank savings accounts
Open Spaarrekening
| €0 to €300,000 | 2.25% |
|---|---|
| Above €300,000 | 0.00% |
| Welcome rate (up to €1,000,000) | 3.10% · 6 mo |
- Openbank states no rate above the maximum. We count 0% there.
- Santander Consumer Bank is the same bank. The € 100,000 deposit guarantee covers both together.
- Spanish deposit guarantee
Openbank compared with other banks
With € 25,000, Openbank ranks 2 of 15 banks. In the first year, with welcome rates:
| Savings | Openbank | Best bank | Best bank |
|---|---|---|---|
| €10,000 | €267.50 | Trade Republic | €300.00 |
| €25,000 | €668.75 | Trade Republic | €750.00 |
| €50,000 | €1,337.50 | Trade Republic | €1,500.00 |
Frequently asked questions
What is the savings rate at Openbank?
Openbank pays 2.25% interest on the Open Spaarrekening on your balance up to €300,000. New customers get 3.10% for 6 months on up to €1,000,000.
Are my savings safe at Openbank?
Yes. Openbank is covered by the Spanish deposit guarantee scheme. Your savings are protected up to € 100,000 per person. The amount is the same as in the Netherlands. Santander Consumer Bank and Openbank are the same bank: the € 100,000 covers both together.
Which bank has the highest savings rate?
Without a promotion, Trade Republic pays the highest rate now: 2.50% on the Betaalrekening met rente. With a welcome rate for new customers, Yapı Kredi Bank is highest: 3.30% for 3 months. What earns you the most depends on your balance. The calculator works it out.
Savings rates at other banks
- ABN AMRO savings rate
- ASN Bank savings rate
- bunq savings rate
- DHB Bank savings rate
- ING savings rate
- Knab savings rate
- Lloyds Bank savings rate
- Nationale-Nederlanden savings rate
- NIBC savings rate
- Rabobank savings rate
- Santander Consumer Bank savings rate
- Trade Republic savings rate
- Triodos Bank savings rate
- Yapı Kredi Bank savings rate