BigbankFlexibel Sparen
Instant access · Bigbank AS · Estonia · Directly at the bank
Promotional rateNew customers only
- Promotional rate
- 3.00%
- then 2.00%
- since 28 Oct 2026
- EffectiveThe effective annual rate for €10,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The promotional rate applies for 6 months; after that 2.00%. Above €250,000 you earn no interest.
- 2.50%
- for €10,000
- Your return on €10,000
- €250
- interest per year
- Deposit guarantee
- €10,000 fully protectedEstonian scheme
Bigbank AS · Tagatisfond – Hoiuste tagamise osafond · €100,000 per person per bank
Your calculation for €10,000
Gross interest over 1 year: €250.
Existing customers do not get the promotional rate: 2.00% → €200 over 1 year.
In the calculation: 6 months promotional rate (€150), then the base rate.
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 | 2.00% |
- Interest-bearing up to
- €250,000
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
Promotion conditions
- Promotional rate 3.00% for 6 months
- New customers only
- Bonus voor nieuwe klanten: 3,00% voor de eerste 6 maanden, daarna de standaardrente (2.00%)
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Rente wordt jaarlijks op 31 december bijgeschreven
- Rente over een maximaal bedrag van € 250.000; het meerdere staat renteloos
- Vrij opneembaar; identificatie via partner AMP Groep bij het klant worden
Deposit guarantee
€10,000 fully protected
Estonian scheme
Bigbank AS · Tagatisfond – Hoiuste tagamise osafond · €100,000 per person per bank
Licence and verification
- Institution
- Bigbank AS
- Status
- Verified European deposit guarantee scheme
- Scheme
- Tagatisfond – Hoiuste tagamise osafond (Estonia)
- Guarantee
- €100,000 per person per institution
- Verification
- Tagatisfond deelnemerslijstsource ↗ · 2 Sep 2026
details
gelezen 2026-09-02
Taxes
- Country
- Estonia
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Estonia 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
| From | Rate | Until |
|---|---|---|
| 28 Oct 2026 | 3.00% | current |
| 16 Sep 2026 | 3.00% | 28 Oct 2026 |
| 2 Sep 2026 | 2.75% | 16 Sep 2026 |
| 7 Aug 2026 | 2.75% | 2 Sep 2026reported |
| 19 Jun 2026 | 3.10% | 7 Aug 2026reported |
All historic rates of Bigbank →All savings products of Bigbank →
- 28 Oct 2026Bigbank – Flexibel Sparen: limits changed (min –→–, max –→–, rate cap –→250000)
- 16 Sep 2026Bigbank – Flexibel Sparen: promotional rate 2.75% → 3.00% (base rate 2.00%)
- 2 Sep 2026New: Bigbank – Flexibel Sparen 2.75%
Rate checked on 2 Nov 2026.
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