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.
| 3.08% |
| 2 Sep 2026 |
| 15 Sep 2026 |
| Klarna Bank | Termijndeposito · Raisin | Deposit 2 years | 3.05% | 2 Sep 2026 | 15 Sep 2026 |
| Klarna Bank | Termijndeposito · Raisin | Deposit 1 year | 3.00% | 2 Sep 2026 | 15 Sep 2026 |
| Klarna Bank | Termijndeposito · Raisin | Deposit 6 months | 2.70% | 2 Sep 2026 | current |
| Klarna Bank | Spaarrekening · Raisin | Instant access | 1.80% | 2 Sep 2026 | 18 Sep 2026 |
| Renault Bank | Spaarrekening · Raisin | Instant access | 2.15% | 2 Sep 2026 | 14 Sep 2026 |
| Nordax Bank | Spaarrekening · Raisin | Instant access | 2.19% | 2 Sep 2026 | 14 Sep 2026 |
| Nordax Bank | Termijndeposito · Raisin | Deposit 3 months | 1.82% | 2 Sep 2026 | current |
| Nordax Bank | Termijndeposito · Raisin | Deposit 2 years | 3.05% | 2 Sep 2026 | 14 Sep 2026 |
| Nordax Bank | Termijndeposito · Raisin | Deposit 1 year | 2.00% | 2 Sep 2026 | current |
| LHV Pank | Termijndeposito · Raisin | Deposit 1 year | 1.50% | 2 Sep 2026 | current |
| LHV Pank | Termijndeposito · Raisin | Deposit 6 months | 1.50% | 2 Sep 2026 | current |
| CiviBank | Spaarrekening met 31 dagen opzegtermijn · Raisin | With notice period | 1.50% | 2 Sep 2026 | current |
| Bigbank | Flexibel Sparen · Direct | Instant access | 2.75% | 7 Aug 2026 | 2 Sep 2026 |
| NIBC | Termijndeposito · Direct | Deposit 10 years | 3.01% | 4 Aug 2026 | 2 Sep 2026 |
| NIBC | Termijndeposito · Direct | Deposit 9 years | 2.51% | 4 Aug 2026 | 2 Sep 2026 |
| NIBC | Termijndeposito · Direct | Deposit 8 years | 2.51% | 4 Aug 2026 | 2 Sep 2026 |
| NIBC | Termijndeposito · Direct | Deposit 7 years | 2.51% | 4 Aug 2026 | 2 Sep 2026 |
| NIBC | Termijndeposito · Direct | Deposit 6 years | 2.51% | 4 Aug 2026 | 2 Sep 2026 |
| NIBC | Termijndeposito · Direct | Deposit 5 years | 2.51% | 4 Aug 2026 | 2 Sep 2026 |