RabobankRabo SpaarRekening
Instant access · Coöperatieve Rabobank U.A. · Netherlands · Directly at the bank
- Rate
- 1.60%
- variable
- since 13 Oct 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 rate differs per balance tier.
- 1.46%
- for €50,000
- Your return on €50,000
- €730
- interest per year
- Deposit guarantee
- €50,000 fully protectedDutch scheme
Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 1 year: €730.
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 – €10,000 | 1.60% |
| €10,000 – €20,000 | 1.50% |
| €20,000 – €100,000 | 1.40% |
| €100,000 – €5,000,000 | 1.30% |
| €5,000,000 – and up | 0.00% |
- Tiers
- per tier (marginal)
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 14 Oct 2026
- 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
- Rente per saldoschijf (elk deel van het saldo krijgt de rente van zijn schijf); boven € 5 miljoen 0%
- Een Rabobank betaalrekening is nodig
Deposit guarantee
€50,000 fully protected
Dutch scheme
Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Licence and verification
- Institution
- Coöperatieve Rabobank U.A.
- 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 |
|---|---|---|
| 13 Oct 2026 | 1.60% | current |
| 15 Sep 2026 | 1.50% | 13 Oct 2026 |
All historic rates of Rabobank →All savings products of Rabobank →
- 19 Oct 2026Rabobank – Rabo SpaarRekening: limits changed (min –→0, max –→–, rate cap –→–)
- 19 Oct 2026Rabobank – Rabo SpaarRekening: limits changed (min 0→–, max –→–, rate cap –→–)
- 13 Oct 2026Rabobank – Rabo SpaarRekening: 1.50% → 1.60%
- 5 Oct 2026Rabobank – Rabo SpaarRekening: 1.60% announced from 2026-10-14 (now 1.50%)
- 15 Sep 2026Rabobank – Rabo SpaarRekening: limits changed (min –→0, max –→–, rate cap –→–)
- 15 Sep 2026New: Rabobank – Rabo SpaarRekening 1.50%
Rate checked on 2 Nov 2026.
Other offers from Rabobank
Instant access · 2.00% · Direct6 months · 1.70% · Direct1 year · 1.85% · Direct1 year · 1.65% · Direct1 year · 1.85% · Direct2 years · 2.25% · Direct3 years · 2.35% · Direct4 years · 2.50% · Direct5 years · 2.70% · Direct6 years · 2.75% · Direct7 years · 2.75% · Direct8 years · 2.80% · Direct9 years · 2.85% · Direct10 years · 3.00% · Direct11 years · 3.00% · Direct12 years · 3.00% · Direct13 years · 3.00% · Direct14 years · 3.00% · Direct15 years · 3.15% · Direct16 years · 3.15% · Direct17 years · 3.15% · Direct18 years · 3.15% · Direct19 years · 3.15% · Direct20 years · 3.20% · Direct