# Spaarrentevergelijken

> Current interest rates on easy-access savings accounts at 15 banks for savers in the Netherlands. Rates are read from each bank's own website every day.

Last updated: 2026-10-22T10:04:40.811Z
Currency: EUR. All rates are gross percentages per year.
Website: https://spaarrentevergelijken.com (Dutch), https://spaarrentevergelijken.com/en (English)
Machine-readable data: https://spaarrentevergelijken.com/rates.json

## How to read the data

- Normal rate: what every customer gets. When a bank lists balance bands, each rate applies only to the part of the balance inside that band.
- Welcome rate: a higher rate for new customers, for a number of months, sometimes only up to a maximum balance. After it ends, the normal rate applies.
- Access "free": withdraw any amount at any time with no loss of interest. Access "has conditions": a notice period, or a bonus that is lost on withdrawal.
- First-year interest: assumes the balance stays the same for 12 months, counts a welcome rate only for the months it lasts, and does not add interest on interest.
- Rates can change any day. Check with the bank before moving money. This is not financial advice.

## Summary

- Highest normal rate: Trade Republic, Betaalrekening met rente, 2.50%.
- Highest welcome rate: Yapı Kredi Bank, 3.30%.
- Most interest in the first year on €10,000: Trade Republic, €300.00.
- Most interest in the first year on €25,000: Trade Republic, €750.00.
- Most interest in the first year on €50,000: Trade Republic, €1,500.00.

## All accounts, highest normal rate first

### Trade Republic: Betaalrekening met rente

- Normal rate: 2.50% on the whole balance
- Welcome rate: 3.00% for new customers, no end date published, on up to €50,000
- Access: free
- Note: The higher rate is for new customers. Trade Republic gives no end date. Existing customers get the ECB deposit rate.
- Note: You need the Trade Republic app. You get interest on money you do not invest.
- Deposit guarantee: Money is held at European partner banks, each covered by its own deposit guarantee scheme up to €100,000 per person
- First-year interest: €10,000 → €300.00, €25,000 → €750.00, €50,000 → €1,500.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://traderepublic.com/nl-nl/rente
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/traderepublic

### Openbank: Open Spaarrekening

- Normal rate: €0 to €300,000: 2.25%; above €300,000: 0.00%
- Welcome rate: 3.10% for new customers, for 6 months, on up to €1,000,000
- Access: free
- Note: Openbank states no rate above the maximum. We count 0% there.
- Note: Santander Consumer Bank is the same bank. The € 100,000 deposit guarantee covers both together.
- Deposit guarantee: Spanish deposit guarantee scheme, up to €100,000 per person per bank (Santander Consumer Bank and Openbank are one bank and share the €100,000)
- First-year interest: €10,000 → €267.50, €25,000 → €668.75, €50,000 → €1,337.50 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.openbank.nl/
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/openbank

### Santander Consumer Bank: Spaarrekening

- Normal rate: 2.20% on the whole balance
- Welcome rate: 3.01% for new customers, for 6 months, on up to €250,000
- Access: free
- Note: Openbank is the same bank. The € 100,000 deposit guarantee covers both together.
- Deposit guarantee: Spanish deposit guarantee scheme, up to €100,000 per person per bank (Santander Consumer Bank and Openbank are one bank and share the €100,000)
- First-year interest: €10,000 → €260.50, €25,000 → €651.25, €50,000 → €1,302.50 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.santanderconsumerbank.nl/nl/sparen
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/santander

### DHB Bank: CombiSpaarrekening-online

- Normal rate: 2.00% on the whole balance
- Welcome rate: none
- Access: has conditions
- Note: You can withdraw 33 days after you announce it.
- Note: Minimum € 500.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €200.00, €25,000 → €500.00, €50,000 → €1,000.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.dhbbank.nl/rentetarieven
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/dhb

### DHB Bank: S@veOnlinerekening

- Normal rate: 1.85% on the whole balance
- Welcome rate: 3.00% for new customers, for 6 months, on up to €50,000
- Access: free
- Note: The welcome offer is only for people who were not a customer in the last 2 years.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €242.50, €25,000 → €606.25, €50,000 → €1,212.50 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.dhbbank.nl/rentetarieven
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/dhb

### Yapı Kredi Bank: Euro-Plus Spaarrekening

- Normal rate: 1.80% on the whole balance
- Welcome rate: 3.30% for new customers, for 3 months
- Access: free
- Note: The welcome offer is only for new customers.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €217.50, €25,000 → €543.75, €50,000 → €1,087.50 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.yapikredi.nl/particulieren/renteoverzicht
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/yapikredi

### bunq: Spaarrekening

- Normal rate: €0 to €10,000: 1.61%; above €10,000: 1.51%
- Welcome rate: 3.11% for new customers, for 2 months
- Access: free
- Note: 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.
- Note: You need a bunq account. The free plan is enough.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €186.00, €25,000 → €452.50, €50,000 → €896.67 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.bunq.com/nl-nl/personal/features/savings-accounts
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/bunq

### Rabobank: Rabo SpaarRekening

- Normal rate: €0 to €10,000: 1.60%; €10,000 to €20,000: 1.50%; €20,000 to €100,000: 1.40%; €100,000 to €5,000,000: 1.30%; above €5,000,000: 0.00%
- Welcome rate: none
- Access: free
- Note: You need a Rabobank current account.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €160.00, €25,000 → €380.00, €50,000 → €730.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.rabobank.nl/particulieren/sparen/alles-over-rente/actuele-rentes
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/rabobank

### NIBC: Kwartaalspaarrekening

- Normal rate: 1.60% on the whole balance
- Welcome rate: none
- Access: has conditions
- Note: This rate includes the quarterly bonus. You only get it if you meet the conditions.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €160.00, €25,000 → €400.00, €50,000 → €800.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://nibc.nl/sparen/
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/nibc

### NIBC: Spaarrekening

- Normal rate: 1.55% on the whole balance
- Welcome rate: none
- Access: free
- Note: Works with your own current account at another bank.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €155.00, €25,000 → €387.50, €50,000 → €775.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://nibc.nl/sparen/
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/nibc

### Nationale-Nederlanden: Internetsparen

- Normal rate: €0 to €10,000: 1.50%; €10,000 to €25,000: 1.30%; €25,000 to €100,000: 1.20%; above €100,000: 1.10%
- Welcome rate: none
- Access: free
- Note: Works with your own current account at another bank.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €150.00, €25,000 → €345.00, €50,000 → €645.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.nn.nl/Particulier/Sparen/Actuele-spaarrentes.htm
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/nn

### Lloyds Bank: Internet Spaarrekening

- Normal rate: 1.50% on the whole balance
- Welcome rate: none
- Access: free
- Note: Lloyds Bank GmbH is a German bank.
- Deposit guarantee: German deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €150.00, €25,000 → €375.00, €50,000 → €750.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.lloydsbank.nl/sparen/actuele-rentes-sparen
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/lloyds

### ABN AMRO: Kwartaal Sparen

- Normal rate: 1.30% on the whole balance
- Welcome rate: none
- Access: has conditions
- Note: 0.75% base rate plus 0.55% bonus. You only get the bonus if you meet the conditions for that quarter.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €130.00, €25,000 → €325.00, €50,000 → €650.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.abnamro.nl/nl/prive/rente/actuele-rente.html
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/abnamro

### ASN Bank: ASN Sparen

- Normal rate: €0 to €25,000: 1.30%; €25,000 to €50,000: 1.20%; €50,000 to €100,000: 1.20%; above €100,000: 1.00%
- Welcome rate: none
- Access: free
- Note: SNS and RegioBank are now part of ASN Bank.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €130.00, €25,000 → €325.00, €50,000 → €625.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.asnbank.nl/sparen/spaarrente.html
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/asn

### ING: Oranje Spaarrekening

- Normal rate: €0 to €10,000: 1.25%; €10,000 to €100,000: 1.00%; €100,000 to €1,000,000: 1.00%; above €1,000,000: 0.00%
- Welcome rate: none
- Access: free
- Note: You need an ING current account.
- Note: With ING Extra or ING Max you get extra interest on the first € 10,000.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €125.00, €25,000 → €275.00, €50,000 → €525.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.ing.nl/particulier/sparen/renteberekening-op-je-spaarrekening
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/ing

### ABN AMRO: Direct Sparen

- Normal rate: €0 to €500,000: 1.25%; €500,000 to €1,000,000: 1.45%; above €1,000,000: 0.00%
- Welcome rate: none
- Access: free
- Note: You need an ABN AMRO current account.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €125.00, €25,000 → €312.50, €50,000 → €625.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.abnamro.nl/nl/prive/rente/actuele-rente.html
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/abnamro

### Knab: Flexibel Sparen

- Normal rate: 1.25% on the whole balance
- Welcome rate: none
- Access: free
- Note: You need a Knab current account. It has a monthly fee.
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €125.00, €25,000 → €312.50, €50,000 → €625.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.knab.nl/particulier/sparen/flexibel-sparen
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/knab

### Triodos Bank: Internet Sparen

- Normal rate: €0 to €10,000: 1.15%; €10,000 to €25,000: 0.90%; €25,000 to €100,000: 0.90%; above €100,000: 0.80%
- Welcome rate: none
- Access: free
- Deposit guarantee: Dutch deposit guarantee scheme, up to €100,000 per person per bank
- First-year interest: €10,000 → €115.00, €25,000 → €250.00, €50,000 → €475.00 (with welcome rate)
- Last checked: 2026-10-22
- Bank's rate page: https://www.triodos.nl/sparen
- Page on this site: https://spaarrentevergelijken.com/en/savings-rates/triodos

## Pages

- [Compare savings rates (Dutch)](https://spaarrentevergelijken.com/)
- [Compare savings rates (English)](https://spaarrentevergelijken.com/en)
- [ABN AMRO savings rate](https://spaarrentevergelijken.com/en/savings-rates/abnamro)
- [ASN Bank savings rate](https://spaarrentevergelijken.com/en/savings-rates/asn)
- [bunq savings rate](https://spaarrentevergelijken.com/en/savings-rates/bunq)
- [DHB Bank savings rate](https://spaarrentevergelijken.com/en/savings-rates/dhb)
- [ING savings rate](https://spaarrentevergelijken.com/en/savings-rates/ing)
- [Knab savings rate](https://spaarrentevergelijken.com/en/savings-rates/knab)
- [Lloyds Bank savings rate](https://spaarrentevergelijken.com/en/savings-rates/lloyds)
- [Nationale-Nederlanden savings rate](https://spaarrentevergelijken.com/en/savings-rates/nn)
- [NIBC savings rate](https://spaarrentevergelijken.com/en/savings-rates/nibc)
- [Openbank savings rate](https://spaarrentevergelijken.com/en/savings-rates/openbank)
- [Rabobank savings rate](https://spaarrentevergelijken.com/en/savings-rates/rabobank)
- [Santander Consumer Bank savings rate](https://spaarrentevergelijken.com/en/savings-rates/santander)
- [Trade Republic savings rate](https://spaarrentevergelijken.com/en/savings-rates/traderepublic)
- [Triodos Bank savings rate](https://spaarrentevergelijken.com/en/savings-rates/triodos)
- [Yapı Kredi Bank savings rate](https://spaarrentevergelijken.com/en/savings-rates/yapikredi)