Rate history

Every rate we ever recorded, per offer, with the period it applied. Rates are never overwritten: a change is always a new row. For the period before our own measurements we use archived versions of the bank's own page.

Highest rate per day, last 90 days

the best offer in our comparison, with a verified deposit guarantee

Instant access1-year deposit5-year deposit

What the average saver got, since 2003

source: ECB, MFI interest rate statistics (MIR)

Bank	Product	Type	Rate	Valid from	Until
Scalable Capital	Spaardeposito · Direct	Deposit 1 year	3.00%	18 Sep 2026	current
Klarna Bank	Flex rekening · Direct	Instant access	3.00%	18 Sep 2026	current
AKA	Termijndeposito · Raisin	Deposit 2 years	3.05%	18 Sep 2026	current
AKA	Termijndeposito · Raisin	Deposit 1 year	3.00%	18 Sep 2026	current
IKB Deutsche Industriebank	Spaarrekening · Raisin	Instant access	2.25%	18 Sep 2026	current
Distingo Bank	Spaarrekening · Raisin

Scalable Capital3.00%
Spaardeposito · Deposit 1 year
18 Sep 2026 → nowcurrent
Klarna Bank3.00%
Flex rekening · Instant access
18 Sep 2026 → nowcurrent
AKA3.05%
Termijndeposito · Deposit 2 years
18 Sep 2026 → nowcurrent
AKA3.00%
Termijndeposito · Deposit 1 year
18 Sep 2026 → nowcurrent
IKB Deutsche Industriebank2.25%
Spaarrekening · Instant access
18 Sep 2026 → nowcurrent
Distingo Bank2.25%
Spaarrekening · Instant access
18 Sep 2026 → nowcurrent

This is the average banks in a country actually paid on new household deposits, published monthly by the ECB. It is structurally below the highest rate above: most people save at their main bank. The gap between the two lines is roughly what switching earns.