Instant-access savings

Accounts without a term or notice period. The variable rate is calculated as if it stays the same for 12 months.

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

56 offers · instant access

1 hidden without full guarantee · showSort by

Deposit guarantee

Trade Republic
Rente op kassaldo
Instant accesscompounded monthly
- promotional rate with no end date for new customers, then 2.50%
Effective annual rate
3.03%
3.00% promo

Show 26 offers more

E-mail me when this changes

As soon as the highest rate for instant access 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

How quickly is my money on my current account?

With instant-access accounts usually the same or the next working day. Via a platform it can take a day longer.

Why does the rate drop after a few months?

Many banks give new customers a temporary promotional rate. We calculate it with the rate that applies afterwards; switch on 'Without promotional rate' to look at the lasting rate only.

Is an instant-access account as safe as a deposit?

Yes, both fall under the same deposit guarantee up to €100,000 per person per bank.

Instant-access savings

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