With most deposits you cannot, or only against a fee. Each deposit states whether early withdrawal is possible; under 'All filters' you can filter on early withdrawal if you want to keep that option.
What happens to my rate if market rates rise?
Nothing: the rate is fixed for the whole term. That protects you when rates fall, but you do not benefit when they rise. Spreading your money over several terms limits that risk.
When do I receive the interest?
That differs per deposit: yearly, at maturity or credited along the way. Credited interest earns compound interest; that is why we compare on effective annual rate.
3.03%
best instant access
3.40%
1-year deposit
3.91%
10 years deposit
2.00%
big banks
Highest effective annual rate for €50,000, after promotions and fees
Do you save for your child in an account in their name or in yours? Who owns the money, what happens on their eighteenth birthday, how the deposit guarantee works and what to check when you compare.
A variable savings rate can change any day, a fixed rate is set for the whole term. What makes savings rates move, why nobody can predict them and how you as a saver can deal with that uncertainty.
A buffer absorbs the broken washing machine and, if need be, a few months without income. How to use your fixed costs to decide how much to keep to hand, where to put it and what to do with everything above it.
The 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.
What €50,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
3.91%▲▲ 0.01%: raised on 27 Oct 2026 from 3.90% to 3.91%.▲ 0.01Rate over the last 90 days. Raised on 27 Oct 2026 from 3.90% to 3.91%.
fixed rate
€1,955
per year, annualised€19,550 total over 10 years
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
withholding 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.compounded yearly · min. €5,000 · max. €100,000
7 years fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.75%▲ 0.15%: raised on 14 Sep 2026 from 3.60% to 3.75%.
withholding 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.compounded yearly · min. €5,000 · max. €100,000
8 years fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.75%▲ 0.15%: raised on 14 Sep 2026 from 3.60% to 3.75%.
withholding 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.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%.
3.50% rate3.51% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.50% is the rate the bank advertises. More explanation
3.41%▲▲ 0.23%: raised on 29 Oct 2026 from 3.17% to 3.40%.▲ 0.23Rate over the last 90 days. Raised on 29 Oct 2026 from 3.17% to 3.40%.
3.40% rate3.41% 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.
paid out at maturity · min. €20,000 · max. €100,000
2 years fixed · no early withdrawal
Effective annual rate
3.40%▲▲ 0.10%: raised on 2 Nov 2026 from 3.36% to 3.46%.▲ 0.10Rate over the last 90 days. Raised on 2 Nov 2026 from 3.36% to 3.46%.
3.46% rate3.40% 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.
20 years fixed · early withdrawal with loss of interest
Effective annual rate
3.40%▲▲ 0.05%: raised on 12 Oct 2026 from 3.30% to 3.35%.▲ 0.05Rate over the last 90 days. Raised on 12 Oct 2026 from 3.30% to 3.35%.
3.35% rate3.40% 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 compounded more often than yearly, so it earns interest on interest.
withholding 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.paid out yearly · min. €250
5 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
3.40%▲▲ 0.25%: raised on 15 Oct 2026 from 3.15% to 3.40%.
withholding 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.compounded yearly · min. €5,000 · max. €100,000
paid out at maturity · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
Effective annual rate
3.39%▲▲ 0.10%: raised on 30 Oct 2026 from 3.35% to 3.45%.▲ 0.10Rate over the last 90 days. Raised on 30 Oct 2026 from 3.35% to 3.45%.
3.45% rate3.39% 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.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
2 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.39%▲▲ 0.05%: raised on 30 Oct 2026 from 3.40% to 3.45%.
3.38%▲ 0.35%: raised on 22 Sep 2026 from 3.20% to 3.55%.▲ 0.35Rate over the last 90 days. Raised on 22 Sep 2026 from 3.20% to 3.55%.
3.55% rate3.38% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.55% 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.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
18 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.37%▲▲ 0.10%: raised on 26 Oct 2026 from 3.30% to 3.40%.
15 years fixed · early withdrawal with loss of interest
Effective annual rate
3.35%▲▲ 0.15%: raised on 12 Oct 2026 from 3.15% to 3.30%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 3.15% to 3.30%.
3.30% rate3.35% 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 compounded more often than yearly, so it earns interest on interest.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
3.32%▲ 0.20%: raised on 22 Sep 2026 from 3.35% to 3.55%.▲ 0.20Rate over the last 90 days. Raised on 22 Sep 2026 from 3.35% to 3.55%.
3.55% rate3.32% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.55% 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.
withholding 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.paid out yearly · min. €250
4 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
3.30%▲▲ 0.20%: raised on 15 Oct 2026 from 3.10% to 3.30%.
10 years fixed · early withdrawal with loss of interest
Effective annual rate
3.30%▲▲ 0.15%: raised on 12 Oct 2026 from 3.10% to 3.25%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 3.10% to 3.25%.
3.25% rate 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 compounded more often than yearly, so it earns interest on interest.
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
3.29%▲ 0.25%: raised on 24 Sep 2026 from 3.15% to 3.40%.▲ 0.25Rate over the last 90 days. Raised on 24 Sep 2026 from 3.15% to 3.40%.
3.40% rate3.29% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.40% 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.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €20,000 · max. €100,000
1 year fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.28%▲▲ 0.11%: raised on 30 Oct 2026 from 3.17% to 3.28%.
3.27%▲▲ 0.20%: raised on 23 Oct 2026 from 3.10% to 3.30%.▲ 0.20Rate over the last 90 days. Raised on 23 Oct 2026 from 3.10% to 3.30%.
3.30% rate3.27% 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.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
1 year fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.26%▲▲ 0.06%: raised on 21 Oct 2026 from 3.20% to 3.26%.
paid out at maturity · min. €20,000 · max. €100,000
3 years fixed · no early withdrawal
Effective annual rate
3.25%▲▲ 1.36%: raised on 27 Oct 2026 from 2.00% to 3.36%.▲ 1.36Rate over the last 90 days. Raised on 27 Oct 2026 from 2.00% to 3.36%.
3.36% rate3.25% 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.
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme€50,000 fully protectedAKA Ausfuhrkredit-Gesellschaft mbH · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Rate over the last 90 days. Raised on 30 Oct 2026 from 3.40% to 3.45%.
3.45% rate3.39% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.45% 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
€1,696
per year, annualised€3,450 total over 2 years
Lithuanian scheme€50,000 fully protectedUAB SME Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Raised on 26 Oct 2026 from 3.30% to 3.40%.
3.40% rate3.37% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.40% 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
€1,686
per year, annualised€2,550 total over 18 months
Lithuanian scheme€50,000 fully protectedUAB SME Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
3.32% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.35% 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
€1,661
per year, annualised€2,513 total over 18 months
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
German scheme€50,000 fully protectedAKA Ausfuhrkredit-Gesellschaft mbH · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
€50,000 fully protectedCompagnie Générale De Crédit Aux Particuliers - CREDIPAR S.A. · Fonds de Garantie des Dépôts et de Résolution (FGDR) · €100,000 per person per bank
3.30% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.35% 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
€1,648
per year, annualised€3,350 total over 2 years
Latvian scheme€50,000 fully protectedBluOr Bank AS · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank
3.30% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.35% 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
€1,648
per year, annualised€3,350 total over 2 years
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
