Spaarradar

SimpleSaveSpaarrekening

Instant access · Citibank Europe plc · Ireland · via Raisin
Open an account at SimpleSave
Rate
2.40%
variable
since 21 Oct 2026
Your return on €16,800
€403
interest per year
Deposit guarantee
€16,800 fully protected
Irish scheme

Citibank Europe plc · Deposit Guarantee Scheme (Ireland) · €100,000 per person per bank

Your calculation for €16,800

Gross interest over 1 year: €403.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 200€ 400start6 mo1 yr€403After 1 month: €33.60 rate · balance €16,833.60After 2 months: €67.20 rate · balance €16,867.20After 3 months: €100.80 rate · balance €16,900.80After 4 months: €134.40 rate · balance €16,934.40After 5 months: €168 rate · balance €16,968After 6 months: €201.60 rate · balance €17,001.60After 7 months: €235.20 rate · balance €17,035.20After 8 months: €268.80 rate · balance €17,068.80After 9 months: €302.40 rate · balance €17,102.40After 10 months: €336.00 rate · balance €17,136After 11 months: €369.60 rate · balance €17,169.60After 12 months: €403.20 rate · balance €17,203.20

Rate and conditions

BalanceRate
€0 – and up2.40%
Interest payout
monthly, paid out
Fees
none
Rate valid since
21 Oct 2026
Access
Instant access
Minimum deposit
€1
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 wordt maandelijks uitgekeerd op de Raisin-rekening
  • Raisin Bank houdt het deposito in trust aan bij de bank

Deposit guarantee

€16,800 fully protected
Irish scheme

Citibank Europe plc · Deposit Guarantee Scheme (Ireland) · €100,000 per person per bank

Licence and verification
Institution
Citibank Europe plc
Status
Verified European deposit guarantee scheme
Scheme
Deposit Guarantee Scheme (Ireland) (Ireland)
Guarantee
€100,000 per person per institution
Verification
Depositor Information Sheet Citibank Europe plc
detailswettelijke DGS-informatie, Iers DGS € 100.000), gepubliceerd door Trade Republic
 source ↗ · 2 Sep 2026
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

2.00%2.25%2.50%2.75%22 Sep 202613 Oct 2026now2.40%2.25% from 22 Sep 2026 until 21 Oct 20262.40% from 21 Oct 2026 until now
FromRateUntil
21 Oct 20262.40%current
22 Sep 20262.25%21 Oct 2026

All historic rates of SimpleSave →All savings products of SimpleSave →

  • 21 Oct 2026SimpleSave – Spaarrekening: 2.25% → 2.40%
  • 22 Sep 2026New: SimpleSave – Spaarrekening 2.25%

Rate checked on 2 Nov 2026.