Spaarradar

NIBCSpaarrekening

Instant access · NIBC Bank N.V. · Netherlands · Directly at the bank
Open an account at NIBC
Rate
1.55%
variable
since 2 Sep 2026
EffectiveThe effective annual rate for €25,000: 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.
1.56%
for €25,000
Your return on €25,000
€390
interest per year
Deposit guarantee
€25,000 fully protected
Dutch scheme

NIBC Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €25,000

Gross interest over 1 year: €390.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 200start6 mo1 yr€390After 1 month: €32.29 rate · balance €25,032.29After 2 months: €64.63 rate · balance €25,064.63After 3 months: €97.00 rate · balance €25,097.00After 4 months: €129.42 rate · balance €25,129.42After 5 months: €161.88 rate · balance €25,161.88After 6 months: €194.38 rate · balance €25,194.38After 7 months: €226.92 rate · balance €25,226.92After 8 months: €259.50 rate · balance €25,259.50After 9 months: €292.13 rate · balance €25,292.13After 10 months: €324.80 rate · balance €25,324.80After 11 months: €357.51 rate · balance €25,357.51After 12 months: €390.26 rate · balance €25,390.26

Rate and conditions

BalanceRate
€0 – and up1.55%
Interest payout
monthly, 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
  • Rente wordt maandelijks berekend en in de eerste week van de volgende maand bijgeschreven

Deposit guarantee

€25,000 fully protected
Dutch scheme

NIBC Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Licence and verification
Institution
NIBC 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 depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
 source ↗ · 2 Sep 2026
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

1.00%1.25%1.50%1.75%2.00%2.25%2.50%10 Dec 202421 Nov 2025now1.55%2.00% from 10 Dec 2024 until 15 Jan 20252.15% from 10 Dec 2024 until 15 Jan 20252.00% from 15 Jan 2025 until 19 Feb 20252.05% from 15 Jan 2025 until 19 Feb 20251.75% from 19 Feb 2025 until 22 Apr 20251.80% from 19 Feb 2025 until 22 Apr 20251.80% from 19 Feb 2025 until 22 Apr 20251.75% from 19 Feb 2025 until 22 Apr 20251.75% from 22 Apr 2025 until 19 May 20251.80% from 22 Apr 2025 until 19 May 20251.60% from 19 May 2025 until 5 Jun 20251.55% from 19 May 2025 until 5 Jun 20251.60% from 5 Jun 2025 until 18 Jul 20251.55% from 5 Jun 2025 until 18 Jul 20251.55% from 18 Jul 2025 until 26 Aug 20251.60% from 18 Jul 2025 until 26 Aug 20251.60% from 26 Aug 2025 until 17 Sep 20251.55% from 26 Aug 2025 until 17 Sep 20251.50% from 17 Sep 2025 until 6 Oct 20251.45% from 17 Sep 2025 until 6 Oct 20251.45% from 6 Oct 2025 until 17 Nov 20251.50% from 6 Oct 2025 until 17 Nov 20251.50% from 17 Nov 2025 until 25 Dec 20251.45% from 17 Nov 2025 until 25 Dec 20251.50% from 25 Dec 2025 until 27 Jan 20261.45% from 25 Dec 2025 until 27 Jan 20261.50% from 27 Jan 2026 until 24 Feb 20261.45% from 27 Jan 2026 until 24 Feb 20261.50% from 24 Feb 2026 until 5 Mar 20261.45% from 24 Feb 2026 until 5 Mar 20261.50% from 5 Mar 2026 until 16 Apr 20261.45% from 5 Mar 2026 until 16 Apr 20261.50% from 16 Apr 2026 until 16 May 20261.45% from 16 Apr 2026 until 16 May 20261.50% from 16 May 2026 until 7 Jun 20261.45% from 16 May 2026 until 7 Jun 20261.50% from 7 Jun 2026 until 4 Aug 20261.45% from 7 Jun 2026 until 4 Aug 20261.50% from 7 Jun 2026 until 4 Aug 20261.45% from 7 Jun 2026 until 4 Aug 20261.50% from 4 Aug 2026 until 2 Sep 20261.45% from 4 Aug 2026 until 2 Sep 20261.55% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20261.55%current
4 Aug 20261.50%2 Sep 2026web archive
4 Aug 20261.45%2 Sep 2026web archive
7 Jun 20261.50%4 Aug 2026web archive
7 Jun 20261.45%4 Aug 2026web archive
7 Jun 20261.50%4 Aug 2026web archive
7 Jun 20261.45%4 Aug 2026web archive
16 May 20261.50%7 Jun 2026web archive
16 May 20261.45%7 Jun 2026web archive
16 Apr 20261.50%16 May 2026web archive
16 Apr 20261.45%16 May 2026web archive
5 Mar 20261.50%16 Apr 2026web archive
5 Mar 20261.45%16 Apr 2026web archive
24 Feb 20261.50%5 Mar 2026web archive
24 Feb 20261.45%5 Mar 2026web archive
27 Jan 20261.50%24 Feb 2026web archive
27 Jan 20261.45%24 Feb 2026web archive
25 Dec 20251.50%27 Jan 2026web archive
25 Dec 20251.45%27 Jan 2026web archive
17 Nov 20251.50%25 Dec 2025web archive
17 Nov 20251.45%25 Dec 2025web archive
6 Oct 20251.45%17 Nov 2025web archive
6 Oct 20251.50%17 Nov 2025web archive
17 Sep 20251.50%6 Oct 2025web archive
17 Sep 20251.45%6 Oct 2025web archive
26 Aug 20251.60%17 Sep 2025web archive
26 Aug 20251.55%17 Sep 2025web archive
18 Jul 20251.55%26 Aug 2025web archive
18 Jul 20251.60%26 Aug 2025web archive
5 Jun 20251.60%18 Jul 2025web archive
5 Jun 20251.55%18 Jul 2025web archive
19 May 20251.60%5 Jun 2025web archive
19 May 20251.55%5 Jun 2025web archive
22 Apr 20251.75%19 May 2025web archive
22 Apr 20251.80%19 May 2025web archive
19 Feb 20251.75%22 Apr 2025web archive
19 Feb 20251.80%22 Apr 2025web archive
19 Feb 20251.80%22 Apr 2025web archive
19 Feb 20251.75%22 Apr 2025web archive
15 Jan 20252.00%19 Feb 2025web archive
15 Jan 20252.05%19 Feb 2025web archive
10 Dec 20242.00%15 Jan 2025web archive
10 Dec 20242.15%15 Jan 2025web archive

All historic rates of NIBC →All savings products of NIBC →

  • 15 Sep 2026NIBC – NIBC Spaarrekening: limits changed (min –→0, max –→–, rate cap –→–)
  • 2 Sep 2026New: NIBC – NIBC Spaarrekening 1.55%

Rate checked on 2 Nov 2026.

Other offers from NIBC

Instant access · 1.60% · Direct3 months · 2.01% · Direct6 months · 2.56% · Direct9 months · 2.61% · Direct1 year · 2.86% · Direct2 years · 2.61% · Direct3 years · 2.71% · Direct4 years · 2.71% · Direct5 years · 2.71% · Direct6 years · 2.71% · Direct7 years · 2.71% · Direct8 years · 2.71% · Direct9 years · 2.71% · Direct10 years · 3.11% · Direct