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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 Lloyds Bank
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Lloyds BankInternet Spaarrekening

Instant access · Lloyds Bank GmbH · Germany · Directly at the bank
Open an account at Lloyds Bank
Rate
1.50%
variable
since 2 Sep 2026
Your return on €16,600
€249
interest per year
Deposit guarantee
€16,600 fully protected
German scheme

Lloyds Bank GmbH · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Your calculation for €16,600

Gross interest over 1 year: €249.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 100€ 200start6 mo1 yr€249After 1 month: €20.75 rate · balance €16,620.75After 2 months: €41.50 rate · balance €16,641.50After 3 months: €62.25 rate · balance €16,662.25After 4 months: €83 rate · balance €16,683After 5 months: €103.75 rate · balance €16,703.75After 6 months: €124.50 rate · balance €16,724.50After 7 months: €145.25 rate · balance €16,745.25After 8 months: €166 rate · balance €16,766After 9 months: €186.75 rate · balance €16,786.75

Rate and conditions

BalanceRate
€0 – and up1.50%
Interest payout
yearly, compounded (interest on interest)
Fees
none
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
  • Geen minimuminleg en geen kosten; spaargeld altijd vrij opneembaar
  • Eigen betaalrekening bij een andere bank als tegenrekening
  • Variabele rente op jaarbasis; wijzigingen worden per e-mail aangekondigd

Deposit guarantee

€16,600 fully protected
German scheme

Lloyds Bank GmbH · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Licence and verification
Institution
Lloyds Bank GmbH
Status
Verified European deposit guarantee scheme
Scheme
Entschädigungseinrichtung deutscher Banken GmbH (EdB) (Germany)
Guarantee
€100,000 per person per institution
Verification
EdB
detailshandmatig gecontroleerd
source ↗ · 2 Sep 2026
Taxes
Country
Germany
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Duitsland heft geen bronbelasting op spaarrente van niet-ingezetenen.

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

Rate history

1.25%1.50%1.75%2.00%2.25%28 Feb 20259 Dec 2025now1.50%2.00% from 28 Feb 2025 until 1 Jul 20251.50% from 1 Jul 2025 until 2 Sep 20261.50% from 2 Sep 2026 until now
1.25%1.50%1.75%2.00%2.25%28 Feb 20259 Dec 2025now
After 10 months: €207.50 rate · balance €16,807.50After 11 months: €228.25 rate · balance €16,828.25After 12 months: €249 rate · balance €16,849
€ 0€ 100€ 200start3 mo6 mo9 mo1 yr€249After 1 month: €20.75 rate · balance €16,620.75After 2 months: €41.50 rate · balance €16,641.50After 3 months: €62.25 rate · balance €16,662.25After 4 months: €83 rate · balance €16,683After 5 months: €103.75 rate · balance €16,703.75After 6 months: €124.50 rate · balance €16,724.50After 7 months: €145.25 rate · balance €16,745.25After 8 months: €166 rate · balance €16,766After 9 months: €186.75 rate · balance €16,786.75After 10 months: €207.50 rate · balance €16,807.50After 11 months: €228.25 rate · balance €16,828.25After 12 months: €249 rate · balance €16,849

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

1.50%2.00% from 28 Feb 2025 until 1 Jul 20251.50% from 1 Jul 2025 until 2 Sep 20261.50% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20261.50%current
1 Jul 20251.50%2 Sep 2026web archive
28 Feb 20252.00%1 Jul 2025web archive

All historic rates of Lloyds Bank →All savings products of Lloyds Bank →

  • 2 Sep 2026New: Lloyds Bank – Internet Spaarrekening 1.50%

Rate checked on 18 Sep 2026.