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Spaarradar

Independent: the order follows only from the rate, your amount and the deposit guarantee, never from fees paid by banks.

Last check 2 minutes ago·595 offers from 88 institutions

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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Frequently asked questions

Is locking money for ten years wise?
Ten years is very long. You are protected if rates fall, but if rates rise you are stuck with the old one. Only lock money you will certainly not need in that time, and consider placing part of it for a shorter term.
Can I withdraw early?
Usually not, or only for a substantial fee. Some banks allow it for special events, such as buying a home. Each deposit states what the bank allows.
Does the interest count towards the deposit guarantee?
Yes. A lot of interest accrues in ten years: at 3%, €80,000 grows to over €107,000 if the interest is credited. For large amounts, keep the limit of €100,000 per bank in mind.
Read on
  • Interest calculator with compound interest
Compare further:5-year depositCompare deposit ratesSaving with a European deposit guarantee schemeGuided choice

10-year deposit

Deposits of exactly 120 months: the same rate for ten years. Only for money you can really do without for a very long time.

This week 238 rates up, 14 down all changes →

€
  • 3.03%
    best instant access
  • 3.45%
    1-year deposit
  • 3.75%
    10 years deposit
  • 1.85%
    big banks

Highest effective annual rate for €50,000, after promotions and fees

17 offers
Term · highest rate
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17 offers · 10 years deposits

17 offers

Bank and product
Effective annual rateThe effective annual rate for your amount: what you really earn per year, after fees and with compound interest. Below it the rate the bank advertises; with a promotion that only applies temporarily.
Your returnWhat €50,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
Deposit guarantee
  1. BankB
    Termijndeposito· Deposit · 10 years· via Raisin
    10 years fixed · no early withdrawalwithholding tax reclaimable to 0%Belgium withholds by default 30% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. België heft standaard 30% roerende voorheffing; met het (digitale) attest roerende voorheffing niet-inwoners ben je vrijgesteld.compounded yearly · min. €5,000 · max. €100,000
    • 10 years fixed · no early withdrawal
    • withholding tax reclaimable to 0%
    Effective annual rate
    3.75%▲▲ 1.25%: raised on 14 Sep 2026 from 2.50% to 3.75%.▲ 1.25Rate over the last 90 days. Raised on 14 Sep 2026 from 2.50% to 3.75%.
    fixed rate
    €1,875
    per year, annualised€22,252 total over 10 years
    Belgian scheme
    Open account
  2. Deutsche Bausparkasse Badenia
    Termijndeposito· Deposit · 10 years· via Raisin
    10 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
    • 10 years fixed · no early withdrawal
    • no withholding tax
    Effective annual rate
    3.70%No change seen in the last 90 days.
    fixed rate
    €1,850
    per year, annualised€18,500 total over 10 years
  3. Myntro
    Termijndeposito· Deposit · 10 years· via Raisin
    10 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
    • 10 years fixed · no early withdrawal
    • no withholding tax
    Effective annual rate
    3.68%▲▲ 0.03%: raised on 14 Sep 2026 from 3.65% to 3.68%.
  4. Nexent Bank
    Termijndeposito· Deposit · 10 years
    10 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
    • 10 years fixed · no early withdrawal
    • no withholding tax
    Effective annual rate
    3.65%No change seen in the last 90 days.
    fixed rate
    €1,825
    per year, annualised€18,250 total over 10 years
  5. Brocc Finance
    Termijndeposito· Deposit · 10 years· via Raisin
    10 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
    • 10 years fixed · no early withdrawal
    • no withholding tax
    Effective annual rate
    3.52%▲▲ 0.06%: raised on 17 Sep 2026 from 3.46% to 3.52%.
  6. ASN Bank
    ASN Depositosparen· Deposit · 10 years
    10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500
    • 10 years fixed · early withdrawal with loss of interest
    • no withholding tax
    Effective annual rate
    3.20%▲▲ 0.20%: raised on 15 Sep 2026 from 3.00% to 3.20%.
  7. Bigbank
    Termijndeposito· Deposit · 10 years
    10 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
    • 10 years fixed · no early withdrawal
    • no withholding tax
    Effective annual rate
    3.20%▲▲ 0.10%: raised on 14 Sep 2026 from 3.10% to 3.20%.
  8. BTG Pactual
    Termijndeposito· Deposit · 10 years· via Raisin
    10 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
    • 10 years fixed · no early withdrawal
    • no withholding tax
    Effective annual rate
    3.17%▲▲ 0.10%: raised on 14 Sep 2026 from 3.56% to 3.66%.
  9. Centraal Beheer
    RenteVast Rekening· Deposit · 10 years
    10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
    • 10 years fixed · early withdrawal with loss of interest
    • no withholding tax
    Effective annual rate
    3.14%▲▲ 0.10%: raised on 14 Sep 2026 from 3.00% to 3.10%.
  10. NIBC
    Termijndeposito· Deposit · 10 years
    10 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
    • 10 years fixed · no early withdrawal
    • no withholding tax
    Effective annual rate
    3.11%▲▲ 0.10%: raised on 14 Sep 2026 from 3.01% to 3.11%.
  11. Yapı Kredi
    Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 10 years
    10 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
    • 10 years fixed · early withdrawal unknown
    • no withholding tax
    Effective annual rate
    3.10%No change seen in the last 90 days.
    fixed rate
    €1,550
    per year, annualised
  12. ABN AMRO
    Spaar Deposito· Deposit · 10 years
    10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €250,000 · current account required
    • 10 years fixed · early withdrawal with loss of interest
    • no withholding tax
    Effective annual rate
    2.90%No change seen in the last 90 days.
    fixed rate
    €1,450
    per year, annualised
  13. Nationale-Nederlanden
    Depositosparen· Deposit · 10 years
    10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
    • 10 years fixed · early withdrawal with loss of interest
    • no withholding tax
    Effective annual rate
    2.90%No change seen in the last 90 days.
    fixed rate
    €1,450
    per year, annualised
  14. Rabobank
    Rabo DoelSparen· Deposit · 10 years
    10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly
    • 10 years fixed · early withdrawal with loss of interest
    • no withholding tax
    Effective annual rate
    2.75%No change seen in the last 90 days.
    fixed rate
    €1,375
    per year, annualised€15,583 total over 10 years
  15. Yapı Kredi
    Euro-Plus Deposito· Deposit · 10 years
    10 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
    • 10 years fixed · early withdrawal unknown
    • no withholding tax
    Effective annual rate
    2.74%No change seen in the last 90 days.
    3.10% rate2.74% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
  16. Banca Sistema
    Termijndeposito· Deposit · 10 years· via Raisin
    10 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
    • 10 years fixed · no early withdrawal
    • no withholding tax
    Effective annual rate
    2.66%No change seen in the last 90 days.
    3.00% rate2.66% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
  17. Triodos Bank
    Triodos Spaar Deposito· Deposit · 10 years
    10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €1,000,000
    • 10 years fixed · early withdrawal with loss of interest
    • no withholding tax
    Effective annual rate
    2.65%No change seen in the last 90 days.
    fixed rate
    €1,325
    per year, annualised€13,250 total over 10 years
Rates straight from the bank and Raisin · gross, before tax · last check 2 minutes ago · how we calculate · download as CSV
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News and background

All articles →
  • 18 Sep 2026Withholding tax on foreign savings interest: what do you really keep?

    A few European countries withhold tax on the interest you receive there. Per country: what is withheld, which form lowers it, and when the higher rate is still worth it.

  • 17 Sep 2026Promotional rates: when does a temporarily high savings rate pay off?

    Banks attract new customers with a high rate that drops back after a few months. A worked example shows when such a promotion really earns you more, and when a lower steady rate wins.

  • 16 Sep 2026Is saving at a foreign bank safe? How the deposit guarantee works in Europe

    The highest savings rates often come from banks in Sweden, Estonia or Malta. What the European deposit guarantee covers, who pays out if things go wrong, and what you need to watch yourself.

German scheme
Open account
▲ 0.03
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.65% to 3.68%.
fixed rate
€1,840
per year, annualised€21,766 total over 10 years
Swedish scheme
Open account
Dutch scheme
Open account
▲ 0.06
Rate over the last 90 days. Raised on 17 Sep 2026 from 3.46% to 3.52%.
fixed rate
€1,760
per year, annualised€20,666 total over 10 years
Swedish scheme
Open account
▲ 0.20
Rate over the last 90 days. Raised on 15 Sep 2026 from 3.00% to 3.20%.
fixed rate
€1,600
per year, annualised€18,512 total over 10 years
Dutch scheme
Open account
▲ 0.10
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.10% to 3.20%.
fixed rate
€1,600
per year, annualised€16,000 total over 10 years
Estonian scheme
Open account
▲ 0.10
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.56% to 3.66%.
3.66% rate3.17% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.66% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,584
per year, annualised€18,300 total over 10 years
Luxembourgish scheme
Open account
▲ 0.10
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.00% to 3.10%.
3.10% rate3.14% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
€1,572
per year, annualised€18,144 total over 10 years
Dutch scheme
Achmea Bank N.V.
Open account
▲ 0.10
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.01% to 3.11%.
fixed rate
€1,555
per year, annualised€15,550 total over 10 years
Dutch scheme
Open account
€15,500 total over 10 years
Dutch scheme
Yapi Kredi Bank Nederland N.V.
Open account
€14,500 total over 10 years
Dutch scheme
Open account
€14,500 total over 10 years
Dutch scheme
Open account
Dutch scheme
Coöperatieve Rabobank U.A.
Open account
3.10%
More explanation
€1,369
per year, annualised€15,500 total over 10 years
Dutch scheme
Yapi Kredi Bank Nederland N.V.
Open account
3.00%
More explanation
€1,329
per year, annualised€15,000 total over 10 years
Italian scheme
Open account
Dutch scheme
Open account