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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

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S

SimpleSaveSpaarrekening

Instant access · Citibank Europe plc · Ireland · via Raisin
Open an account at SimpleSave
Rate
2.25%
variable
Your return on €50,000
€1,125
interest per year
Deposit guarantee
€50,000 fully protected
Irish scheme

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

Your calculation for €50,000

Gross interest over 1 year: €1,125.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 500€ 1kstart6 mo1 yr€1,125After 1 month: €93.75 rate · balance €50,093.75After 2 months: €187.50 rate · balance €50,187.50After 3 months: €281.25 rate · balance €50,281.25After 4 months: €375 rate · balance €50,375After 5 months: €468.75 rate · balance €50,468.75After 6 months: €562.50 rate · balance €50,562.50After 7 months: €656.25 rate · balance €50,656.25After 8 months: €750 rate · balance €50,750After 9 months: €843.75 rate · balance €50,843.75

Rate and conditions

BalanceRate
€0 – and up2.25%
Interest payout
monthly, paid out
Fees
none
Rate valid since
15 Sep 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

€50,000 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.

Rate history

2.25% since 22 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

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

  • 22 Sep 2026New: SimpleSave – Spaarrekening 2.25%

Rate checked on 22 Sep 2026.

After 10 months: €937.50 rate · balance €50,937.50After 11 months: €1,031.25 rate · balance €51,031.25After 12 months: €1,125 rate · balance €51,125
€ 0€ 500€ 1kstart3 mo6 mo9 mo1 yr€1,125After 1 month: €93.75 rate · balance €50,093.75After 2 months: €187.50 rate · balance €50,187.50After 3 months: €281.25 rate · balance €50,281.25After 4 months: €375 rate · balance €50,375After 5 months: €468.75 rate · balance €50,468.75After 6 months: €562.50 rate · balance €50,562.50After 7 months: €656.25 rate · balance €50,656.25After 8 months: €750 rate · balance €50,750After 9 months: €843.75 rate · balance €50,843.75After 10 months: €937.50 rate · balance €50,937.50After 11 months: €1,031.25 rate · balance €51,031.25After 12 months: €1,125 rate · balance €51,125

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