Garanti BBVA InternationalGouden Internet Rekening
Instant access · GarantiBank International N.V. · Netherlands · Directly at the bank
Promotional rateNew customers only
- Promotional rate
- 3.00%
- then 1.55%
- since 15 Sep 2026
- 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. The promotional rate applies for 6 months; after that 1.55%.
- 2.27%
- for €50,000
- Your return on €50,000
- €1,138
- interest per year
- Deposit guarantee
- €50,000 fully protectedDutch scheme
GarantiBank International N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 1 year: €1,138.
Existing customers do not get the promotional rate: 1.55% → €775 over 1 year.
In the calculation: 6 months promotional rate (€750), 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 | 1.55% |
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 28 May 2025
Promotion conditions
- Promotional rate 3.00% for 6 months
- New customers only
- Nieuwe Spaarder Actie: 3,00% gegarandeerd gedurende de eerste 6 maanden na aanvraag (actie vanaf 09-07-2026) voor nieuwe klanten die in de afgelopen 12 maanden geen spaarrekening bij Garanti BBVA International hadden; daarna de reguliere rente. Geen minimum of maximum inleg.
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- unknown
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Vrij opneembaar, geen minimum inleg, geen kosten
- Rente jaarlijks op 1 januari bijgeschreven
- 14 dagen bedenktijd na opening
Deposit guarantee
€50,000 fully protected
Dutch scheme
GarantiBank International N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Licence and verification
- Institution
- GarantiBank International 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
| From | Rate | Until |
|---|---|---|
| 15 Sep 2026 | 3.00% | current |
| 13 Jan 2026 | 2.80% | 15 Sep 2026web archive |
| 3 Oct 2025 | 2.55% | 13 Jan 2026web archive |
| 11 Jun 2025 | 2.80% | 3 Oct 2025web archive |
| 9 Feb 2025 | 3.05% | 11 Jun 2025web archive |
| 9 Feb 2025 | 1.75% | 9 Feb 2025web archive |
| 9 Feb 2025 | 1.50% | 9 Feb 2025web archive |
All historic rates of Garanti BBVA International →All savings products of Garanti BBVA International →
- 15 Sep 2026New: Garanti BBVA International – Gouden Internet Rekening 3.00%
Rate checked on 2 Nov 2026.