BankBSpaarrekening
Instant access · BankB N.V. · Belgium · via Raisin
- Rate
- 2.15%
- variable
- since 29 Oct 2026
- EffectiveThe effective annual rate for €16,800: 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.
- 2.17%
- for €16,800
- Your return on €16,800
- €365
- interest per year
- Deposit guarantee
- €16,800 fully protectedBelgian scheme
BankB N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
Your calculation for €16,800
Gross interest over 1 year: €365.
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 | 2.15% |
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 29 Oct 2026
- Access
- Instant access
- Minimum deposit
- €1,000
- Maximum deposit
- €100,000
- 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 maandelijks bijgeschreven op de spaarrekening
- Ondertekend formulier vereist bij opening (bijv. woonplaatsverklaring)
Deposit guarantee
€16,800 fully protected
Belgian scheme
BankB N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
Licence and verification
- Institution
- BankB N.V.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Garantiefonds voor financiële diensten (Belgium)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Garantiefonds voor financiële diensten - Federale Overheidsdienst Financiën - Algemene Administratie van de Thesaurie
Taxes
- Country
- Belgium
- Withholding tax
- Reducible to 0%
- Standard rate
- 30.00%
- For a Dutch saver
- 0.00% (after paperwork)
- Notes
- Belgium withholds by default 30% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Withholding tax on foreign savings interest: what do you really keep?
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 |
|---|---|---|
| 29 Oct 2026 | 2.15% | current |
| 2 Sep 2026 | 1.75% | 29 Oct 2026 |
All historic rates of BankB →All savings products of BankB →
- 29 Oct 2026BankB – Spaarrekening: 1.75% → 2.15%
- 2 Sep 2026New: BankB – Spaarrekening 1.75%
Rate checked on 2 Nov 2026.