RabobankRabo SpaarRekening
Instant access · Coöperatieve Rabobank U.A. · Netherlands · Directly at the bank
Current account required
- Rate
- 1.50%
- variable
- 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. The rate differs per balance tier.
- 1.42%
- for €25,000
- Your return on €25,000
- €355
- interest per year
- Deposit guarantee
- €25,000 fully protectedDutch scheme
Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 1 year: €355.
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 | 1.50% |
| €10,000 – €20,000 | 1.40% |
| €20,000 – €100,000 | 1.30% |
| €100,000 – €5,000,000 | 1.20% |
| €5,000,000 – and up | 0.00% |
- Tiers
- per tier (marginal)
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 5 Aug 2026
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- yes
- 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
€25,000 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
- Nederland kent geen bronbelasting op spaarrente.
Rate history
1.50% since 15 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of Rabobank →All savings products of Rabobank →
- 15 Sep 2026Rabobank – Rabo SpaarRekening: limits changed (min –→0, max –→–, rate cap –→–)
- 15 Sep 2026New: Rabobank – Rabo SpaarRekening 1.50%
Rate checked on 16 Sep 2026.