ABN AMRODirect Sparen
Instant access · ABN AMRO Bank N.V. · Netherlands · Directly at the bank
Current account required
- Rate
- 1.25%
- variable
- EffectiveThe effective annual rate for €50,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. Interest is compounded during the term and earns interest on interest.
- 1.26%
- for €50,000
- Your return on €50,000
- €628
- interest per year
- Deposit guarantee
- €50,000 fully protectedDutch scheme
ABN AMRO Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 1 year: €628.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.25% |
- Interest payout
- quarterly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 1 May 2025
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- yes
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Rente per saldoklasse (schijven), elk kwartaal bijgeschreven
- Alleen in combinatie met een ABN AMRO betaalrekening
Deposit guarantee
€50,000 fully protected
Dutch scheme
ABN AMRO Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Licence and verification
- Institution
- ABN AMRO Bank N.V.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Nederlandse Depositogarantie (DGS) (Netherlands)
- Guarantee
- €100,000 per person per institution
- Verification
- DNB-register Nederlandse depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Taxes
- Country
- Netherlands
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
1.25% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of ABN AMRO →All savings products of ABN AMRO →
- 2 Sep 2026New: ABN AMRO – Direct Sparen 1.25%
Rate checked on 2 Nov 2026.