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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.

Open an account at Argenta
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ArgentaDe Argenta spaarrekening

Instant access · Argenta Spaarbank N.V. · Belgium · Directly at the bank
Open an account at Argenta
Rate
1.90%
variable
Your return on €10,000
€190
interest per year
Deposit guarantee
€10,000 fully protected
Belgian scheme

Argenta Spaarbank N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank

Your calculation for €10,000

Gross interest over 1 year: €190.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 100start6 mo1 yr€190After 1 month: €15.83 rate · balance €10,015.83After 2 months: €31.67 rate · balance €10,031.67After 3 months: €47.50 rate · balance €10,047.50After 4 months: €63.33 rate · balance €10,063.33After 5 months: €79.17 rate · balance €10,079.17After 6 months: €95.00 rate · balance €10,095.00After 7 months: €110.83 rate · balance €10,110.83After 8 months: €126.67 rate · balance €10,126.67After 9 months: €142.50 rate · balance €10,142.50After 10 months: €158.33 rate · balance €10,158.33After 11 months: €174.17 rate · balance €10,174.17

Rate and conditions

BalanceRate
€0 – and up1.90%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
21 Aug 2026
Access
Instant access
Minimum deposit
€0
Maximum deposit
not stated
Current account required
no
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Rente dagelijks berekend, jaarlijks uitgekeerd
  • Hogere rente in combinatie met een Argenta hypotheek niet meegerekend

Deposit guarantee

€10,000 fully protected
Belgian scheme

Argenta Spaarbank N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank

Licence and verification
Institution
Argenta Spaarbank N.V.
Status
Verified European deposit guarantee scheme
Scheme
Garantiefonds voor financiële diensten (Belgium)
Guarantee
€100,000 per person per institution
Verification
Belgische kredietinstelling
detailsNBB-vergunning): wettelijke deelname aan het Garantiefonds voor financiële diensten (€ 100.000); Argenta vermeldt dit in de productinformatie
source ↗ · 2 Sep 2026
Taxes
Country
Belgium
Withholding tax
Reducible to 0%
Standard rate
30.00%
For a Dutch saver
0.00% (after paperwork)
Notes
België heft standaard 30% roerende voorheffing; met het (digitale) attest roerende voorheffing niet-inwoners ben je vrijgesteld.

Rate history

1.90% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Argenta →All savings products of Argenta →

  • 2 Sep 2026New: Argenta – De Argenta spaarrekening 1.90%

Rate checked on 18 Sep 2026.

Other offers from Argenta

6 months · 2.40% · Direct1 year · 2.70% · Direct2 years · 3.00% · Direct3 years · 3.05% · Direct4 years · 3.10% · Direct5 years · 3.15% · Direct
After 12 months: €190.00 rate · balance €10,190.00
€ 0€ 100start3 mo6 mo9 mo1 yr€190After 1 month: €15.83 rate · balance €10,015.83After 2 months: €31.67 rate · balance €10,031.67After 3 months: €47.50 rate · balance €10,047.50After 4 months: €63.33 rate · balance €10,063.33After 5 months: €79.17 rate · balance €10,079.17After 6 months: €95.00 rate · balance €10,095.00After 7 months: €110.83 rate · balance €10,110.83After 8 months: €126.67 rate · balance €10,126.67After 9 months: €142.50 rate · balance €10,142.50After 10 months: €158.33 rate · balance €10,158.33After 11 months: €174.17 rate · balance €10,174.17After 12 months: €190.00 rate · balance €10,190.00

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Read on: Withholding tax on foreign savings interest: what do you really keep?

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe