Per month
| Month | Highest instant access | Highest at a big bank | percentage points | Per year on €50,000 |
|---|---|---|---|---|
| November 2026 · in progress | 3.30% | 2.00% | 1.30 | |
| October 2026 | 3.30% | 2.00% | 1.30 | |
| September 2026 | 3.30% | 1.85% | 1.45 | |
| August 2026 | 3.01% | 1.75% | 1.26 | |
| July 2026 | 3.10% | 1.75% | 1.35 | |
| June 2026 | 3.10% | 1.75% | 1.35 | |
| May 2026 | 2.80% | 1.75% | 1.05 | |
| April 2026 | 2.80% | 1.75% | 1.05 | |
| March 2026 | 2.80% | 1.75% | 1.05 | |
| February 2026 | 2.80% | 1.75% | 1.05 |
A month counts with the position of its last day. During the first months of our measurements banks were still being added, so a jump in that period also says something about our coverage.
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You may use these figures and the chart in an article, newsletter or presentation, provided you name Spaarradar as the source with a link to this page.
Source line: Spaarradar Spaarrente-index, https://spaarradar.nl/en/spaarrente-index
Download the daily figures (CSV)
How we measure
- Highest instant access: the highest advertised rate on an instant-access savings account that a resident of the Netherlands can open, at a bank whose participation in a statutory deposit guarantee scheme we have verified. Temporary promotional rates count for as long as they apply.
- Big bank: the highest rate on an instant-access savings account at ING, Rabobank or ABN AMRO.
- The figures come from our rate history, in which every change is appended and nothing is overwritten. A completed month therefore no longer changes.
Who pays the most right now?
| Bank | Rate | Effective annual rate |
|---|---|---|
| Trade RepublicRente op kassaldo | 3.03% | |
| OpenbankWelkom Spaarrekening | 2.71% | |
| Santander Consumer BankSpaarrekening | 2.64% | |
| Raisin RenteBoostSpaarrekening | 2.55% | |
| Banca CF+Spaarrekening met voorwaarden | 2.52% |
