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.
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.
| Deposit 3 years |
| 2.20% |
| 2 Sep 2026 |
| current |
| ABN AMRO | Spaar Deposito · Direct | Deposit 2 years | 2.15% | 2 Sep 2026 | current |
| ABN AMRO | Spaar Deposito · Direct | Deposit 1 year | 2.00% | 2 Sep 2026 | current |
| ABN AMRO | Groen Spaar Deposito · Direct | Deposit 1 year | 1.75% | 2 Sep 2026 | current |
| ABN AMRO | Beleggers Spaarrekening · Direct | Instant access | 1.25% | 2 Sep 2026 | current |
| ABN AMRO | Direct Sparen · Direct | Instant access | 1.25% | 2 Sep 2026 | current |
| N26 | Instant Savings · Direct | Instant access | 0.30% | 2 Sep 2026 | current |
| Trade Republic | Rente op kassaldo · Direct | Broker / neobank cash | 3.00% | 2 Sep 2026 | 15 Sep 2026 |
| Scalable Capital | Overnight account (zonder PRIME+) · Direct | Broker / neobank cash | 2.75% | 2 Sep 2026 | 2 Sep 2026 |
| Evi van Lanschot | Evi Sparen · Direct | Instant access | 1.50% | 2 Sep 2026 | 18 Sep 2026 |
| Santander Consumer Bank | Spaardeposito · Direct | Deposit 4 years | 2.60% | 2 Sep 2026 | 15 Sep 2026 |
| Santander Consumer Bank | Spaardeposito · Direct | Deposit 3 years | 2.60% | 2 Sep 2026 | 15 Sep 2026 |
| Santander Consumer Bank | Spaardeposito · Direct | Deposit 2 years | 2.55% | 2 Sep 2026 | 15 Sep 2026 |
| Santander Consumer Bank | Spaardeposito · Direct | Deposit 1 year | 2.65% | 2 Sep 2026 | 15 Sep 2026 |
| Santander Consumer Bank | Spaardeposito · Direct | Deposit 6 months | 2.45% | 2 Sep 2026 | 15 Sep 2026 |
| Santander Consumer Bank | Spaarrekening · Direct | Instant access | 3.01% | 2 Sep 2026 | current |
| Argenta | Termijndeposito · Direct | Deposit 5 years | 3.15% | 2 Sep 2026 | current |
| Argenta | Termijndeposito · Direct | Deposit 4 years | 3.10% | 2 Sep 2026 | current |
| Argenta | Termijndeposito · Direct | Deposit 3 years | 3.05% | 2 Sep 2026 | current |
| Argenta | Termijndeposito · Direct | Deposit 2 years | 3.00% | 2 Sep 2026 | current |