BW-BankSpaarrekening
Instant access · Baden-Württembergische Bank unselbstständige Anstalt der Landesbank Baden-Württemberg · Germany · via Raisin
- Rate
- 2.26%
- variable
- since 1 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. Interest is compounded during the term and earns interest on interest.
- 2.28%
- for €50,000
- Your return on €50,000
- €1,140
- interest per year
- Deposit guarantee
- €50,000 fully protectedGerman scheme
Baden-Württembergische Bank unselbstständige Anstalt der Landesbank Baden-Württemberg · Sicherungssystem der Sparkassen-Finanzgruppe · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 1 year: €1,140.
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 | 2.26% |
- Interest payout
- quarterly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 1 Oct 2026
- Access
- Instant access
- Minimum deposit
- €1
- Maximum deposit
- €1,000,000
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Raisin (Raisin) · for residents of the Netherlands via Raisin
- Rente-op-rente. Rente wordt elk kwartaal bijgeschreven op de spaarrekening
Deposit guarantee
€50,000 fully protected
German scheme
Baden-Württembergische Bank unselbstständige Anstalt der Landesbank Baden-Württemberg · Sicherungssystem der Sparkassen-Finanzgruppe · €100,000 per person per bank
Licence and verification
- Institution
- Baden-Württembergische Bank unselbstständige Anstalt der Landesbank Baden-Württemberg
- Status
- Verified European deposit guarantee scheme
- Scheme
- Sicherungssystem der Sparkassen-Finanzgruppe (Germany)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Sicherungssystem der Sparkassen-Finanzgruppe
Taxes
- Country
- Germany
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Germany 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 |
|---|---|---|
| 1 Oct 2026 | 2.26% | current |
| 2 Sep 2026 | 2.20% | 1 Oct 2026 |
All historic rates of BW-Bank →All savings products of BW-Bank →
- 1 Oct 2026BW-Bank – Spaarrekening: 2.20% → 2.26%
- 2 Sep 2026New: BW-Bank – Spaarrekening 2.20%
Rate checked on 2 Nov 2026.