Spaarradar

Yapı KrediEuro-Plus Spaarrekening

Instant access · Yapi Kredi Bank Nederland N.V. · Netherlands · Directly at the bank
Promotional rateNew customers only
Open an account at Yapı Kredi
Promotional rate
3.30%
then 1.80%
since 5 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. The promotional rate applies for 3 months; after that 1.80%.
2.17%
for €50,000
Your return on €50,000
€1,088
interest per year
Deposit guarantee
€50,000 fully protected
Dutch scheme

Yapi Kredi Bank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €50,000

Gross interest over 1 year: €1,088.
Existing customers do not get the promotional rate: 1.80% → €900 over 1 year.
In the calculation: 3 months promotional rate (€412.50), then the base rate.
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€1,088After 1 month: €137.50 rate · balance €50,137.50After 2 months: €275 rate · balance €50,275After 3 months: €412.50 rate · balance €50,412.50After 4 months: €487.50 rate · balance €50,487.50After 5 months: €562.50 rate · balance €50,562.50After 6 months: €637.50 rate · balance €50,637.50After 7 months: €712.50 rate · balance €50,712.50After 8 months: €787.50 rate · balance €50,787.50After 9 months: €862.50 rate · balance €50,862.50After 10 months: €937.50 rate · balance €50,937.50After 11 months: €1,012.50 rate · balance €51,012.50After 12 months: €1,087.50 rate · balance €51,087.50

Rate and conditions

BalanceRate
€0 – and up1.80%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
7 Jul 2025
Promotion conditions
  • Promotional rate 3.30% for 3 months
  • New customers only
  • Jubileumsrente Actie 3,30% effectief op jaarbasis — welkomstrente voor nieuwe klanten gedurende maximaal 90 dagen (3 maanden), daarna 1.80%
Access
Instant access
Minimum deposit
€2,000
Maximum deposit
not stated
Current account required
unknown
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Rente effectief op jaarbasis; vrij opneembaar
  • Jubileumsrente-actie: nieuwe klanten (of klanten die hun rekening vóór 1 december 2025 sloten) krijgen de actierente gedurende maximaal 90 dagen; geen minimum- of maximumbedrag

Deposit guarantee

€50,000 fully protected
Dutch scheme

Yapi Kredi Bank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Licence and verification
Institution
Yapi Kredi Bank Nederland N.V.
Status
Verified European deposit guarantee scheme
Scheme
Nederlandse Depositogarantie (DGS) (Netherlands)
Guarantee
€100,000 per person per institution
Verification
DNB-register Nederlandse depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
 source ↗ · 2 Sep 2026
Taxes
Country
Netherlands
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Netherlands 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

0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%4.50%27 Jun 202230 Aug 2024now3.30%0.01% from 27 Jun 2022 until 27 Jan 20231.00% from 27 Jan 2023 until 5 Jun 20231.60% from 5 Jun 2023 until 1 Dec 20232.75% from 1 Dec 2023 until 27 Feb 20242.50% from 27 Feb 2024 until 14 Apr 20242.60% from 14 Apr 2024 until 12 Jan 20252.50% from 12 Jan 2025 until 12 Feb 20252.40% from 12 Feb 2025 until 22 Mar 20252.20% from 22 Mar 2025 until 13 Jun 20252.00% from 13 Jun 2025 until 14 Jul 20251.80% from 14 Jul 2025 until 2 Sep 20263.30% from 2 Sep 2026 until 5 Oct 20263.30% from 5 Oct 2026 until now
FromRateUntil
5 Oct 20263.30%current
2 Sep 20263.30%5 Oct 2026
14 Jul 20251.80%2 Sep 2026web archive
13 Jun 20252.00%14 Jul 2025web archive
22 Mar 20252.20%13 Jun 2025web archive
12 Feb 20252.40%22 Mar 2025web archive
12 Jan 20252.50%12 Feb 2025web archive
14 Apr 20242.60%12 Jan 2025web archive
27 Feb 20242.50%14 Apr 2024web archive
1 Dec 20232.75%27 Feb 2024web archive
5 Jun 20231.60%1 Dec 2023web archive
27 Jan 20231.00%5 Jun 2023web archive
27 Jun 20220.01%27 Jan 2023web archive

All historic rates of Yapı Kredi →All savings products of Yapı Kredi →

  • 5 Oct 2026Yapı Kredi – Euro-Plus Spaarrekening: rate structure/conditions changed
  • 2 Sep 2026New: Yapı Kredi – Euro-Plus Spaarrekening 3.30%

Rate checked on 2 Nov 2026.

Other offers from Yapı Kredi

3 months · 2.00% · Direct6 months · 2.00% · Direct9 months · 2.00% · Direct1 year · 3.10% · Direct2 years · 3.10% · Direct2 years · 3.20% · Direct3 years · 3.40% · Direct3 years · 3.40% · Direct4 years · 3.55% · Direct4 years · 3.55% · Direct5 years · 3.55% · Direct5 years · 3.55% · Direct6 years · 3.10% · Direct6 years · 3.10% · Direct7 years · 3.10% · Direct7 years · 3.10% · Direct8 years · 3.10% · Direct8 years · 3.10% · Direct9 years · 3.10% · Direct9 years · 3.10% · Direct10 years · 3.10% · Direct10 years · 3.10% · Direct