Where do your savings earn the most interest?
The current base rate and fidelity premium at 16 banks.Rates updated on 27 October 2026
| Guarantee | ||||
|---|---|---|---|---|
| NIBCHas conditions | 2,00% | + 1,50% | 3,50% | NL |
| BelfiusHas conditions | 1,83% | + 1,50% | 3,33% | BE |
| BNP Paribas FortisHas conditions | 1,75% | + 1,50% | 3,25% | BE |
| ArgentaHas conditions | 1,65% | + 1,50% | 3,15% | BE |
| KBCHas conditions | 1,65% | + 1,50% | 3,15% | BE |
| INGHas conditions | 1,60% | + 1,50% | 3,10% | BE |
| Trade Republic30% taxnew customers: 3,00% | 2,50% | — | up to €50,0002,50% | EU |
| MeDirectHas conditions | 1,40% | + 0,80% | up to €25,0002,20% | BE |
| Keytrade Bank | 0,50% | + 1,50% | 2,00% | FR |
| Santander Consumer Bank | 0,90% | + 1,10% | 2,00% | ES |
| NIBC | 0,30% | + 1,50% | 1,80% | NL |
| Argenta | 0,20% | + 1,50% | 1,70% | BE |
| MeDirect | 0,20% | + 1,50% | 1,70% | BE |
| Belfius | 0,15% | + 1,50% | 1,65% | BE |
| bunq30% tax2 mo: 3,11% | 1,61% | — | 1,61% | NL |
| NIBC | 1,20% | + 0,40% | 1,60% | NL |
| Santander Consumer Bank | 1,15% | + 0,45% | 1,60% | ES |
| BankB | 0,25% | + 1,25% | 1,50% | BE |
| ING | 0,10% | + 1,40% | 1,50% | BE |
| MeDirect | 1,20% | + 0,30% | 1,50% | BE |
| Nagelmackers | 0,15% | + 1,35% | 1,50% | BE |
| Santander Consumer BankHas conditions | 0,05% | + 1,30% | up to €125,0001,35% | ES |
| Keytrade Bank | 0,80% | + 0,40% | 1,20% | FR |
| Triodos Bank | 0,15% | + 1,05% | 1,20% | NL |
| BNP Paribas FortisHas conditions | 0,15% | + 0,85% | up to €100,0001,00% | BE |
| Beobank | 0,15% | + 0,65% | 0,80% | BE |
| BeobankHas conditions | 0,30% | + 0,50% | 0,80% | BE |
| Europabank | 0,50% | + 0,25% | 0,75% | BE |
| Nagelmackers | 0,40% | + 0,30% | up to €500,0000,70% | BE |
| KBC | 0,40% | + 0,20% | 0,60% | BE |
| Triodos Bank | 0,40% | + 0,20% | 0,60% | NL |
| Argenta | 0,30% | + 0,30% | 0,60% | BE |
| Belfius | 0,30% | + 0,30% | 0,60% | BE |
| Nagelmackers | 0,30% | + 0,25% | 0,55% | BE |
| Beobank | 0,40% | + 0,10% | 0,50% | BE |
| BNP Paribas Fortis | 0,30% | + 0,20% | 0,50% | BE |
| NIBC30% tax | 0,50% | — | up to €1,000,0000,50% | NL |
| EuropabankHas conditions | 0,20% | + 0,10% | up to €15,0000,30% | BE |
All details and the net interest for your amount are in the calculator.
Choose how much you save. We work out what you keep after one year at each bank, after withholding tax.
Note: the deposit guarantee protects € 100,000 per person per bank. With more savings, you can spread them over several banks.
NIBCHas conditions+ 1,50% premium€875.003,50% net€875.00 gross · €0.00 withholding tax
Rate per balance Base rate 2,00% Fidelity premium + 1,50% - Category B: a savings account with a condition on the amount.
- You can deposit at most € 500 per month.
- Online only.
- NIBC is a Dutch bank. These are the accounts of the Belgian branch.
- Dutch deposit guarantee
More about NIBCGo to NIBC ↗Checked on 27 October 2026
BelfiusHas conditions+ 1,50% premium€832.503,33% net€832.50 gross · €0.00 withholding tax
Rate per balance Base rate 1,83% Fidelity premium + 1,50% - Category B: a savings account with a condition on the amount.
- You can deposit at most € 600 per month.
- At most 1 account per customer.
- Belgian Guarantee Fund
More about BelfiusGo to Belfius ↗Checked on 27 October 2026
BNP Paribas FortisHas conditions+ 1,50% premium€812.503,25% net€812.50 gross · €0.00 withholding tax
Rate per balance Base rate 1,75% Fidelity premium + 1,50% - Category B: a savings account with a condition on the amount.
- You can deposit at most € 500 per month.
- Also at Fintro and Hello bank!, which are part of BNP Paribas Fortis.
- Belgian Guarantee Fund
More about BNP Paribas FortisGo to BNP Paribas Fortis ↗Checked on 27 October 2026
ArgentaHas conditions+ 1,50% premium€787.503,15% net€787.50 gross · €0.00 withholding tax
Rate per balance Base rate 1,65% Fidelity premium + 1,50% - Category B: a savings account with a condition on the amount.
- You can deposit at most € 500 per month.
- Belgian Guarantee Fund
More about ArgentaGo to Argenta ↗Checked on 27 October 2026
KBCHas conditions+ 1,50% premium€787.503,15% net€787.50 gross · €0.00 withholding tax
Rate per balance Base rate 1,65% Fidelity premium + 1,50% - Category B: you can only save by standing order.
- You can deposit at most € 500 per month.
- You need a KBC current account. Also at KBC Brussels and CBC.
- Belgian Guarantee Fund
More about KBCGo to KBC ↗Checked on 27 October 2026
INGHas conditions+ 1,50% premium€775.003,10% net€775.00 gross · €0.00 withholding tax
Rate per balance Base rate 1,60% Fidelity premium + 1,50% - Category B: a savings account with a condition on the amount.
- You can deposit at most € 500 per month.
- You save by standing order from your current account. One account holder.
- This is ING Belgium, not ING Netherlands.
- Belgian Guarantee Fund
More about INGGo to ING ↗Checked on 27 October 2026
MeDirectHas conditions+ 0,80% premium€550.002,20% net€550.00 gross · €0.00 withholding tax
Rate per balance €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
More about MeDirectGo to MeDirect ↗Checked on 27 October 2026
Trade Republic3,00% for new customers30% tax€525.002,10% net€750.00 gross · €225.00 withholding tax
Rate per balance €0 to €50,000 2,50% Above €50,000 0,00% - 3,00% for new customers (up to €50,000)
- Not a regulated savings account: 30% withholding tax from the first euro.
- The higher rate is for new customers, with no end date. Above € 50,000 Trade Republic states no rate. We count 0%.
- You need the Trade Republic app. You get interest on money you do not invest.
- Partner banks' deposit guarantee
More about Trade RepublicGo to Trade Republic ↗Checked on 27 October 2026
Keytrade Bank+ 1,50% premium€500.002,00% net€500.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,50% Fidelity premium + 1,50% - Category A: a classic savings account with no extra conditions.
- Online only.
- Keytrade Bank is the Belgian branch of Arkéa Direct Bank, a French bank.
- French deposit guarantee
More about Keytrade BankGo to Keytrade Bank ↗Checked on 27 October 2026
Santander Consumer Bank+ 1,10% premium€500.002,00% net€500.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,90% Fidelity premium + 1,10% - Category A: a classic savings account with no extra conditions.
- Openbank is the same bank. The € 100,000 deposit guarantee covers both together.
- Spanish deposit guarantee
More about Santander Consumer BankGo to Santander Consumer Bank ↗Checked on 27 October 2026
NIBC+ 1,50% premium€450.001,80% net€450.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,30% Fidelity premium + 1,50% - Category A: a classic savings account with no extra conditions.
- Online only.
- NIBC is a Dutch bank. These are the accounts of the Belgian branch.
- Dutch deposit guarantee
More about NIBCGo to NIBC ↗Checked on 27 October 2026
EuropabankHas conditions+ 0,10% premium€437.501,75% net€437.50 gross · €0.00 withholding tax
Rate per balance €0 to €15,000 0,20% + 0,10% Above €15,000 0,25% + 1,50% - Category B: a savings account with a condition on the amount.
- From € 15,000. Below it, the rate is 0.2% + 0.1%.
- Belgian Guarantee Fund
More about EuropabankGo to Europabank ↗Checked on 27 October 2026
Argenta+ 1,50% premium€425.001,70% net€425.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,20% Fidelity premium + 1,50% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about ArgentaGo to Argenta ↗Checked on 27 October 2026
MeDirect+ 1,50% premium€425.001,70% net€425.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,20% Fidelity premium + 1,50% - Category A: a classic savings account with no extra conditions.
- Online only.
- Belgian Guarantee Fund
More about MeDirectGo to MeDirect ↗Checked on 27 October 2026
Belfius+ 1,50% premium€412.501,65% net€412.50 gross · €0.00 withholding tax
Rate per balance Base rate 0,15% Fidelity premium + 1,50% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about BelfiusGo to Belfius ↗Checked on 27 October 2026
NIBC+ 0,40% premium€400.001,60% net€400.00 gross · €0.00 withholding tax
Rate per balance Base rate 1,20% Fidelity premium + 0,40% - Category A: a classic savings account with no extra conditions.
- Online only.
- NIBC is a Dutch bank. These are the accounts of the Belgian branch.
- Dutch deposit guarantee
More about NIBCGo to NIBC ↗Checked on 27 October 2026
Santander Consumer Bank+ 0,45% premium€400.001,60% net€400.00 gross · €0.00 withholding tax
Rate per balance Base rate 1,15% Fidelity premium + 0,45% - Category A: a classic savings account with no extra conditions.
- Openbank is the same bank. The € 100,000 deposit guarantee covers both together.
- Spanish deposit guarantee
More about Santander Consumer BankGo to Santander Consumer Bank ↗Checked on 27 October 2026
BankB+ 1,25% premium€375.001,50% net€375.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,25% Fidelity premium + 1,25% - Category A: a classic savings account with no extra conditions.
- No online banking: everything goes through an agent or by post.
- Belgian Guarantee Fund
More about BankBGo to BankB ↗Checked on 27 October 2026
ING+ 1,40% premium€375.001,50% net€375.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,10% Fidelity premium + 1,40% - Category A: a classic savings account with no extra conditions.
- This is ING Belgium, not ING Netherlands.
- Belgian Guarantee Fund
More about INGGo to ING ↗Checked on 27 October 2026
MeDirect+ 0,30% premium€375.001,50% net€375.00 gross · €0.00 withholding tax
Rate per balance Base rate 1,20% Fidelity premium + 0,30% - Category A: a classic savings account with no extra conditions.
- Online only.
- Belgian Guarantee Fund
More about MeDirectGo to MeDirect ↗Checked on 27 October 2026
Nagelmackers+ 1,35% premium€375.001,50% net€375.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,15% Fidelity premium + 1,35% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about NagelmackersGo to Nagelmackers ↗Checked on 27 October 2026
Santander Consumer BankHas conditions+ 1,30% premium€337.501,35% net€337.50 gross · €0.00 withholding tax
Rate per balance €0 to €125,000 0,05% + 1,30% €125,000 to €300,000 0,90% + 1,30% Above €300,000 0,05% + 1,30% - Category B: a savings account with a condition on the amount.
- The 0.9% base rate applies when your balance is between € 125,000 and € 300,000. Outside that it is 0.05%.
- Openbank is the same bank. The € 100,000 deposit guarantee covers both together.
- Spanish deposit guarantee
More about Santander Consumer BankGo to Santander Consumer Bank ↗Checked on 27 October 2026
bunq3,11% welcome rate, 2 months30% tax€325.501,30% net€465.00 gross · €139.50 withholding tax
Rate per balance On the whole balance 1,61% - 3,11% welcome rate, 2 months
- Not a regulated savings account: 30% withholding tax from the first euro.
- Until the next 1 January or 1 July you get 3.11% on all your savings. After that only on money above your highest balance of the past six months.
- bunq is a Dutch bank. You need a bunq account; the free plan is enough.
- Dutch deposit guarantee
More about bunqGo to bunq ↗Checked on 27 October 2026
Keytrade Bank+ 0,40% premium€300.001,20% net€300.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,80% Fidelity premium + 0,40% - Category A: a classic savings account with no extra conditions.
- Online only.
- Keytrade Bank is the Belgian branch of Arkéa Direct Bank, a French bank.
- French deposit guarantee
More about Keytrade BankGo to Keytrade Bank ↗Checked on 27 October 2026
Triodos Bank+ 1,05% premium€300.001,20% net€300.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,15% Fidelity premium + 1,05% - Category A: a classic savings account with no extra conditions.
- Triodos Bank is a Dutch bank. These are the accounts of the Belgian branch.
- Dutch deposit guarantee
More about Triodos BankGo to Triodos Bank ↗Checked on 27 October 2026
BNP Paribas FortisHas conditions+ 0,85% premium€250.001,00% net€250.00 gross · €0.00 withholding tax
Rate per balance €0 to €100,000 0,15% + 0,85% Above €100,000 0,00% + 0,85% - Category B: a savings account with a condition on the amount.
- The balance may be at most € 100,000. Above it, we count 0%.
- Also at Fintro and Hello bank!, which are part of BNP Paribas Fortis.
- Belgian Guarantee Fund
More about BNP Paribas FortisGo to BNP Paribas Fortis ↗Checked on 27 October 2026
BeobankHas conditions+ 0,50% premium€200.000,80% net€200.00 gross · €0.00 withholding tax
Rate per balance €0 to €50,000 0,30% + 0,50% Above €50,000 0,30% + 1,50% - Category B: a savings account with a condition on the amount.
- From € 50,000. Below it, the fidelity premium is 0.5%.
- Belgian Guarantee Fund
More about BeobankGo to Beobank ↗Checked on 27 October 2026
Beobank+ 0,65% premium€200.000,80% net€200.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,15% Fidelity premium + 0,65% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about BeobankGo to Beobank ↗Checked on 27 October 2026
Europabank+ 0,25% premium€187.500,75% net€187.50 gross · €0.00 withholding tax
Rate per balance Base rate 0,50% Fidelity premium + 0,25% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about EuropabankGo to Europabank ↗Checked on 27 October 2026
Nagelmackers+ 0,30% premium€175.000,70% net€175.00 gross · €0.00 withholding tax
Rate per balance €0 to €500,000 0,40% + 0,30% Above €500,000 0,30% + 0,25% - Category B: a savings account with a condition on the amount.
- Above € 500,000 the rate is 0.3% + 0.25% on the whole balance.
- Belgian Guarantee Fund
More about NagelmackersGo to Nagelmackers ↗Checked on 27 October 2026
KBC+ 0,20% premium€150.000,60% net€150.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,40% Fidelity premium + 0,20% - Category A: a classic savings account with no extra conditions.
- You need a KBC current account. Also at KBC Brussels and CBC.
- Belgian Guarantee Fund
More about KBCGo to KBC ↗Checked on 27 October 2026
Triodos Bank+ 0,20% premium€150.000,60% net€150.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,40% Fidelity premium + 0,20% - Category C: for adults only.
- Triodos Bank is a Dutch bank. These are the accounts of the Belgian branch.
- Dutch deposit guarantee
More about Triodos BankGo to Triodos Bank ↗Checked on 27 October 2026
Argenta+ 0,30% premium€150.000,60% net€150.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,30% Fidelity premium + 0,30% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about ArgentaGo to Argenta ↗Checked on 27 October 2026
Belfius+ 0,30% premium€150.000,60% net€150.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,30% Fidelity premium + 0,30% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about BelfiusGo to Belfius ↗Checked on 27 October 2026
Nagelmackers+ 0,25% premium€137.500,55% net€137.50 gross · €0.00 withholding tax
Rate per balance Base rate 0,30% Fidelity premium + 0,25% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about NagelmackersGo to Nagelmackers ↗Checked on 27 October 2026
Beobank+ 0,10% premium€125.000,50% net€125.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,40% Fidelity premium + 0,10% - Category A: a classic savings account with no extra conditions.
- Belgian Guarantee Fund
More about BeobankGo to Beobank ↗Checked on 27 October 2026
BNP Paribas Fortis+ 0,20% premium€125.000,50% net€125.00 gross · €0.00 withholding tax
Rate per balance Base rate 0,30% Fidelity premium + 0,20% - Category A: a classic savings account with no extra conditions.
- Also at Fintro and Hello bank!, which are part of BNP Paribas Fortis.
- Belgian Guarantee Fund
More about BNP Paribas FortisGo to BNP Paribas Fortis ↗Checked on 27 October 2026
NIBC30% tax€87.500,35% net€125.00 gross · €37.50 withholding tax
Rate per balance €0 to €1,000,000 0,50% Above €1,000,000 0,00% - Not a regulated savings account: 30% withholding tax from the first euro.
- The balance may be at most € 1,000,000. Above it, we count 0%.
- Online only.
- NIBC is a Dutch bank. These are the accounts of the Belgian branch.
- Dutch deposit guarantee
More about NIBCGo to NIBC ↗Checked on 27 October 2026
How we calculate
- We read the rates from each bank’s website every day. Each account shows when we last did.
- We rank the banks by the interest you keep after one year, after tax, for the amount you choose. Banks do not pay us to be in the list or to rank higher.
- We do not compare every bank in Belgium. A bank is missing when we cannot read its rate automatically, or when its account is not open to everyone.
- The rate on a Belgian savings account has two parts: the base rate and the fidelity premium. You only get the premium on money that stays in the account for 12 months without a break. We assume your money stays for a year, so we add the two. Turn the switch off and only the base rate counts.
- On a regulated savings account, the first € 1,020 of interest per person per year is free of withholding tax. Above that, the bank withholds 15%. On an account that is not regulated, the bank withholds 30% from the first euro. We show what you keep.
- The € 1,020 exemption covers all your regulated savings accounts together. If you also get interest at another bank, your own amount can be different. This is not tax advice.
- We count a welcome rate only for the months you get it. The normal rate counts for the rest of the year. We do not count interest on interest.
Is my money safe?
At every bank in this list, your savings are protected up to € 100,000 per person per bank. At a Belgian bank that is the Guarantee Fund. At the Belgian branch of a foreign bank it is that country’s scheme: the Netherlands for NIBC, Triodos and bunq, France for Keytrade, Spain for Santander. The amount is the same everywhere.
Frequently asked questions
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.
What is the difference between the base rate and the fidelity premium?
You get the base rate for every day your money is in the account. You get the fidelity premium only on money that stays in the account for 12 months without a break. If you take money out earlier, you lose the premium on that amount. The premium is fixed for those 12 months; the bank can change the base rate any day.
How much withholding tax do I pay on my savings account?
On a regulated savings account, the first €1,020 of interest per person per year is tax-free. For married or legally cohabiting couples with a joint account it is €2,040. Above that, the bank withholds 15%. The amount covers all your regulated savings accounts together. On an account that is not regulated, such as Trade Republic or bunq, you pay 30% from the first euro.
What is a regulated savings account?
A savings account that follows the Belgian rules: a base rate plus a fidelity premium, and a tax exemption on the first slice of interest. Category A is an ordinary savings account with no conditions. Category B has a condition on the amount, such as a maximum of € 500 in deposits per month. Category C is for an age group, such as young people.
Are my savings safe?
At every bank in this comparison, your savings are protected up to € 100,000 per person per bank by a deposit guarantee scheme. If you have more, you can spread it over several banks.
How often are the rates updated?
Every day. We read the rates from the websites of all 16 banks. Each bank shows when we last did. Always check the rate with the bank before you move money.