Why isn't the account with the highest rate always at the top?
We sort by what your amount really earns in a year. A high promotional rate that drops after three months, or a rate that only applies up to a maximum balance, often earns less than a slightly lower lasting rate. The effective annual rate next to each account shows that difference.
Is my money just as safe at a foreign bank?
Within the EU the same statutory deposit guarantee of €100,000 per person per bank applies. We only show banks whose participation in such a scheme we have checked, and every account states which country pays out the guarantee.
How often do savings rates change?
Variable rates can change at any time, often shortly after an ECB rate decision. Every change we see is listed on the Rate changes page.
Highest savings rate
Instant-access savings accounts, sorted by the expected interest on your amount over 12 months, not by the advertised rate. Promotional rates are calculated with the base rate that applies afterwards.
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 €25,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly
promotional rate with no end date for new customers, then 2.50%
Instant access
no withholding tax
Effective annual rate
3.04%No change seen in the last 90 days.
3.00% promopromotional rate with no end date for new customers, then 2.50%3.04% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. The promotional rate applies for for as long as the bank offers the action (no end date stated) on at most €50,000; above that 2.50%. Interest is compounded during the term and earns interest on interest. More explanation
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly
promotional rate until 2027-03-31 for new customers, then 2.20%
Instant access
no withholding tax
Effective annual rate
2.66%No change seen in the last 90 days.
3.00% promopromotional rate until 2027-03-31 for new customers, then 2.20% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. The promotional rate applies for until 2027-03-31 on at most €50,000; after that 2.20%. Interest is compounded during the term and earns interest on interest.
Instant accesswithholding 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. Spanje heft standaard 19%; met een ondertekende 'Declaración de Residencia Fiscal' (bij Raisin digitaal bij opening) ben je automatisch vrijgesteld.compounded monthly · max. €1,000,000
promotional rate 6 months for new customers, then 2.10%
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out monthly · max. €100,000
promotional rate 3 months for new customers, then 2.35%
Instant access
no withholding tax
Effective annual rate
2.52%No change seen in the last 90 days.
3.05% promopromotional rate 3 months for new customers, then 2.35%
Instant accesswithholding 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. Spanje heft standaard 19%; met een ondertekende 'Declaración de Residencia Fiscal' (bij Raisin digitaal bij opening) ben je automatisch vrijgesteld.compounded monthly · interest up to €300,000 · current account required
promotional rate 6 months for new customers, then 1.80%
Instant accessno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · max. €500,000
promotional rate 6 months for new customers, then 1.90%
Instant access
no withholding tax
Effective annual rate
2.45%▲▲ 1.10%: raised on 15 Sep 2026 from 1.90% to 3.00%.
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · €59.88 fees per year
Instant access
no withholding tax
compounded monthly · €59.88 fees per year
Effective annual rate
2.39%No change seen in the last 90 days.
2.60% rate2.39% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Fees of €59.88 per year are deducted. Interest is compounded during the term and earns interest on interest.
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out monthly · max. €1,000,000
Instant access
no withholding tax
Effective annual rate
2.35%▲▲ 0.15%: raised on 16 Sep 2026 from 2.20% to 2.35%.▲ 0.15
Instant accessno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.32%▲▲ 0.05%: raised on 16 Sep 2026 from 2.25% to 2.30%.▲ 0.05
Instant accessno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.27%▲▲ 0.03%: raised on 18 Sep 2026 from 2.22% to 2.25%.▲ 0.03
Instant accessno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.27%▲▲ 0.05%: raised on 17 Sep 2026 from 2.20% to 2.25%.▲ 0.05
Instant accessno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.current account required
promotional rate 6 months for new customers, then 1.51%
Instant access
no withholding tax
Effective annual rate
2.26%No change seen in the last 90 days.
3.01% promopromotional rate 6 months for new customers, then 1.51%
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €1,000,000
Instant access
no withholding tax
Effective annual rate
2.22%No change seen in the last 90 days.
2.20% rate2.22% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest.
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.07%: raised on 14 Sep 2026 from 2.13% to 2.20%.▲ 0.07
Instant accessno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.04%: raised on 14 Sep 2026 from 2.16% to 2.20%.▲ 0.04
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.05%: raised on 16 Sep 2026 from 2.15% to 2.20%.▲ 0.05
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.01%: raised on 14 Sep 2026 from 2.19% to 2.20%.▲ 0.01
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.05%: raised on 14 Sep 2026 from 2.15% to 2.20%.▲ 0.05
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%No change seen in the last 90 days.
2.20% rate2.22% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest.
Instant accessno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €2,000
promotional rate 3 months for new customers, then 1.80%
Instant access
no withholding tax
Effective annual rate
2.17%No change seen in the last 90 days.
3.30% promopromotional rate 3 months for new customers, then 1.80%
Instant accessno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out quarterly · max. €100,000
Instant accessno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.10%▲▲ 0.20%: raised on 14 Sep 2026 from 1.90% to 2.10%.▲ 0.20
Instant accessno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.05%No change seen in the last 90 days.
2.03% rate2.05% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.03% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest.
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.03%▲▲ 0.21%: raised on 18 Sep 2026 from 1.80% to 2.01%.▲ 0.21
Instant accesswithholding 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
Instant accessno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €500,000
Instant access
no withholding tax
Effective annual rate
1.86%No change seen in the last 90 days.
1.85% rate1.86% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 1.85% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest.
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.
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.
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.
Rate over the last 90 days. Lowered on 2 Sep 2026 from 2.75% to 2.60%.
2.60% rate2.63% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.60% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
promotional rate 6 months for new customers, then 2.10%
2.59% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.01% is the rate the bank advertises. The promotional rate applies for 6 months on at most €250,000; after that 2.10%. Interest is compounded during the term and earns interest on interest. More explanation
2.52% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.05% is the rate the bank advertises. The promotional rate applies for 3 months on at most €100,000; after that 2.35%. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.75% to 3.00%.
3.00% promopromotional rate 6 months for new customers, then 2.00%2.50% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. The promotional rate applies for 6 months; after that 2.00%. More explanation
3.10% promopromotional rate 6 months for new customers, then 1.80%2.48% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. The promotional rate applies for 6 months on at most €1,000,000; after that 1.80%. Above €300,000 you earn no interest. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 15 Sep 2026 from 1.90% to 3.00%.
3.00% promopromotional rate 6 months for new customers, then 1.90%2.45% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. The promotional rate applies for 6 months; after that 1.90%. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 2.55% to 3.00%.
3.00% promopromotional rate 6 months for new customers, then 1.85%2.42% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. The promotional rate applies for 6 months on at most €50,000; after that 1.85%. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.25% to 2.30%.
2.30% rate2.32% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.30% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 18 Sep 2026 from 2.22% to 2.25%.
2.25% rate2.27% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.25% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
€567
interest per year
French scheme
Compagnie Générale De Crédit Aux Particuliers - CREDIPAR S.A.
Rate over the last 90 days. Raised on 17 Sep 2026 from 2.20% to 2.25%.
2.25% rate2.27% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.25% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
2.26% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.01% is the rate the bank advertises. The promotional rate applies for 6 months; after that 1.51%. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.13% to 2.20%.
2.20% rate2.22% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.16% to 2.20%.
2.20% rate2.22% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.15% to 2.20%.
2.20% rate2.22% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.19% to 2.20%.
2.20% rate2.22% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.15% to 2.20%.
2.20% rate2.22% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
2.17% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 3.30% is the rate the bank advertises. The promotional rate applies for 3 months; after that 1.80%. More explanation
Rate over the last 90 days. Raised on 18 Sep 2026 from 1.80% to 2.01%.
2.01% rate2.03% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 2.01% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
1.90% rate1.91% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. 1.90% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
