Notice accounts

Accounts where you announce a withdrawal in advance, for example 30 or 90 days ahead. In return the rate is often higher than for instant-access saving, without locking your money for years.

This week 70 rates up, 4 down all changes →

How much do you want to save?

3.03%
best instant access
3.40%
1-year deposit
3.91%
10 years deposit
2.00%
big banks

Highest effective annual rate for €50,000, after promotions and fees

10 offers · with a notice period

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Deposit guarantee

Banca Progetto
Spaarrekening met 4 dagen opzegtermijn· Notice period 4 days· via Raisin
Notice period 4 dayscompounded yearly · min. €10,000 · max. €90,000
- Notice period 4 days
Effective annual rate
2.55%▲

E-mail me when this changes

As soon as the highest rate for with a notice period changes, you get one e-mail. Every mail has a one-click unsubscribe link.

News and background

All articles →

30 Oct 2026Saving for your child: in your child's name or in your own?
Do you save for your child in an account in their name or in yours? Who owns the money, what happens on their eighteenth birthday, how the deposit guarantee works and what to check when you compare.
23 Oct 2026Savings rate fixed or variable: what suits your money?
A variable savings rate can change any day, a fixed rate is set for the whole term. What makes savings rates move, why nobody can predict them and how you as a saver can deal with that uncertainty.
16 Oct 2026How much savings do you need as a buffer?
A buffer absorbs the broken washing machine and, if need be, a few months without income. How to use your fixed costs to decide how much to keep to hand, where to put it and what to do with everything above it.

Frequently asked questions

What is a notice period?

The number of days between your withdrawal request and the moment the money becomes available. During that period you usually still earn interest.

Is a notice account better than a deposit?

It sits in between: more flexible than a deposit, but with a variable rate that can fall. Compare the effective annual rate with that of a one-year deposit.

Can I still withdraw immediately in an emergency?

Usually not, or only with a loss of interest. The bank's conditions are stated for each account.

Notice accounts

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