Dutch savings rates in November 2026: all rate changes
Month in progress · updated up to and including 2 Nov 2026
In November 2026 we saw 14 rate increases and 0 rate cuts so far, at 8 banks. The direction was clearly up.
Instant access: 4 up, 0 down. Notice accounts: 0 up, 0 down. Deposits: 10 up, 0 down. 2 offers were added, 3 disappeared, and we saw 0 changes in temporary promotions.
The highest rate at the start and at the end
The highest advertised rate per kind, among banks with a verified deposit guarantee.
| Kind | Start | Now | Difference |
|---|---|---|---|
| Instant access | 3.30% | 3.30% | 0.00 |
| Notice account | 2.55% | 2.55% | 0.00 |
| 1-year deposit | 3.40% | 3.40% | 0.00 |
| 5-year deposit | 3.85% | 3.85% | 0.00 |
Biggest risers
| Bank | From | To | Percentage points |
|---|---|---|---|
| Nordax BankTermijndeposito · 2 years | 3.50% | +0.40 | |
| Nationale-NederlandenInternetsparen | 1.70% | +0.20 | |
| Centraal BeheerRentePlús Rekening | 1.80% | +0.10 | |
| Creditplus BankTermijndeposito · 1 year · and 4 other terms | 3.20% | +0.10 | |
| Guber BancaTermijndeposito · 2 years · and 1 other term | 3.46% | +0.10 | |
| Triodos BankInternet Sparen | 1.25% | +0.10 | |
| Nordax BankSpaarrekening | 2.45% | +0.06 | |
| ProCredit BankTermijndeposito · 6 months | 3.17% | +0.06 |
Biggest fallers
No rate went down on balance.
One line per product: the term with the largest step. A rate that moved several times is shown with where it started and ended the month.
New this month
- Raisin RenteBoost Spaarrekening · 3.30%
- Brocc Finance Termijndeposito · 30 months · 3.50%
Most active banks
- Creditplus Bank: 5 rate changes
- Guber Banca: 2 rate changes
- Nordax Bank: 2 rate changes
- Brocc Finance: 1 rate change
- Centraal Beheer: 1 rate change
The highest rates right now
Whatever happened this month, this is what you can get today. The lists come straight from the comparison.
| Bank | Rate | Effective annual rate |
|---|---|---|
| Trade RepublicRente op kassaldo | 3.03% | |
| OpenbankWelkom Spaarrekening | 2.71% | |
| Santander Consumer BankSpaarrekening | 2.64% | |
| Raisin RenteBoostSpaarrekening | 2.55% | |
| Banca CF+Spaarrekening met voorwaarden | 2.52% |
| Bank | Rate | Effective annual rate |
|---|---|---|
| BigbankTermijndeposito · 1 year | 3.40% | |
| Guber BancaTermijndeposito · 1 year | 3.36% | |
| Banca SistemaTermijndeposito · 1 year | 3.35% | |
| Coop PankTermijndeposito · 1 year | 3.31% | |
| AnadolubankTermijn Deposito · 1 year | 3.30% |
Look further
- All rate changes, per day and per bank
- The course of every rate in the rate history
- The comparison for your amount
This overview is compiled automatically from the rate changes we see during our checks. Not advice; rates are gross and can change.