The highest savings rate for your money. Every savings account and deposit you can open from the Netherlands. We work out promotional rates, fees and the deposit guarantee for your amount.
This week 70 rates up , 4 down all changes →
3.04%
best instant access
3.40%
1-year deposit
3.91%
10 years deposit
2.00%
big banks
Highest effective annual rate for €10,000, after promotions and fees
€10,000 · Deposit · DGS 1
122 offersSort by Return Eff. rate Rate Term Bank A–Z List Per bank
Term · highest rate more than one allowed
All 33× 3 mo 2.71% 6 mo 3.16% 9 mo 3.10% 1 yr 3.40% 18 mo 3.40% 2 yr 3.50% 3 yr 3.50% 4 yr 3.73% 5 yr 3.85% 6 yr 3.85% 7 yr 3.85% 8 yr 3.85% 9 yr 3.90% 10 yr 3.91%
Instant access Notice period Deposit All
Term · highest rate more than one allowed
All 33× 3 mo 2.71% 6 mo 3.16% 9 mo 3.10% 1 yr 3.40% 18 mo 3.40% 2 yr 3.50% 3 yr 3.50% 4 yr 3.73% 5 yr 3.85% 6 yr 3.85% 7 yr 3.85% 8 yr 3.85% 9 yr 3.90% 10 yr 3.91%
1 Clear filters Show 122 offers
Product
Instant access money always available up to 3.04% Notice period give notice before withdrawing up to 2.55% Deposit fixed rate, fixed term up to 3.91% All every type in one list
Term · highest rate more than one allowed
All 33× 3 mo 2.71% 6 mo 3.16% 9 mo 3.10% 1 yr 3.40% 18 mo 3.40% 2 yr 3.50% 3 yr 3.50% 4 yr 3.73% 5 yr 3.85% 6 yr 3.85% 7 yr 3.85% 8 yr 3.85% 9 yr 3.90% 10 yr 3.91%
All filters (1 active) → 122 offers · deposits
9 do not fit your amount · show Sort by Highest return Highest effective rate Highest rate Term Bank (A–Z) List Per bank
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30 Oct 2026 Saving 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 2026 Savings 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 2026 How 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.
122 offers
Bank and product ▼
Term ▼
Effective annual rate ▼ i The effective annual rate for your amount: what you really earn per year, after fees and with compound interest. Below it the rate the bank advertises; with a promotion that only applies temporarily.
Your return ▼ i What €10,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
Deposit guarantee
Termijndeposito · Deposit · 10 years · via Raisin
10 years
no early withdrawal
compounded yearly · min. €1,000 · max. €85,000
Effective annual rate
3.91% ▲ ▲ 0.01%: raised on 28 Oct 2026 from 3.90% to 3.91%. fixed rate
€391
per year, annualised€4,675 total over 10 years
Swedish scheme €10,000 fully protected Brocc Finance AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Termijndeposito · Deposit · 10 years · via Raisin
10 years
no early withdrawal
paid out yearly · min. €5,000 · max. €100,000
Effective annual rate
3.91% ▲ ▲ 0.01%: raised on 27 Oct 2026 from 3.90% to 3.91%. fixed rate
Termijndeposito · Deposit · 9 years · via Raisin
9 years
no early withdrawal
compounded yearly · min. €1,000 · max. €85,000
Effective annual rate
3.90% ▲ ▲ 0.14%: raised on 28 Oct 2026 from 3.76% to 3.90%. fixed rate
€390
per year, annualised€4,110 total over 9 years
Termijndeposito · Deposit · 10 years · via Raisin
10 years
no early withdrawal
compounded yearly · min. €500 · max. €100,000
Effective annual rate
3.90% ▲ ▲ 0.05%: raised on 27 Oct 2026 from 3.85% to 3.90%. fixed rate
€390
per year, annualised€4,661 total over 10 years
Termijndeposito · Deposit · 9 years · via Raisin
9 years
no early withdrawal
compounded yearly · min. €500 · max. €100,000
Effective annual rate
3.90% ▲ ▲ 0.15%: raised on 27 Oct 2026 from 3.75% to 3.90%. fixed rate
€390
per year, annualised€4,110 total over 9 years
Termijndeposito · Deposit · 6 years · via Raisin
6 years
no early withdrawal
compounded yearly · min. €1,000 · max. €85,000
Effective annual rate
3.85% ▲ ▲ 0.14%: raised on 28 Oct 2026 from 3.71% to 3.85%. fixed rate
€385
per year, annualised€2,544 total over 6 years
Termijndeposito · Deposit · 7 years · via Raisin
7 years
no early withdrawal
compounded yearly · min. €1,000 · max. €85,000
Effective annual rate
3.85% ▲ ▲ 0.09%: raised on 28 Oct 2026 from 3.76% to 3.85%. fixed rate
€385
per year, annualised€3,027 total over 7 years
Termijndeposito · Deposit · 8 years · via Raisin
8 years
no early withdrawal
compounded yearly · min. €1,000 · max. €85,000
Effective annual rate
3.85% ▲ ▲ 0.09%: raised on 28 Oct 2026 from 3.76% to 3.85%. fixed rate
€385
per year, annualised€3,529 total over 8 years
Termijndeposito · Deposit · 5 years · via Raisin
5 years
no early withdrawal
compounded yearly · min. €500 · max. €100,000
Effective annual rate
3.85% ▲ ▲ 0.18%: raised on 27 Oct 2026 from 3.67% to 3.85%. fixed rate
€385
per year, annualised€2,079 total over 5 years
Termijndeposito · Deposit · 6 years · via Raisin
6 years
no early withdrawal
compounded yearly · min. €500 · max. €100,000
Effective annual rate
3.85% ▲ ▲ 0.15%: raised on 27 Oct 2026 from 3.70% to 3.85%. fixed rate
€385
per year, annualised€2,544 total over 6 years
Termijndeposito · Deposit · 7 years · via Raisin
7 years
no early withdrawal
compounded yearly · min. €500 · max. €100,000
Effective annual rate
3.85% ▲ ▲ 0.15%: raised on 27 Oct 2026 from 3.70% to 3.85%. fixed rate
€385
per year, annualised€3,027 total over 7 years
Termijndeposito · Deposit · 8 years · via Raisin
8 years
no early withdrawal
compounded yearly · min. €500 · max. €100,000
Effective annual rate
3.85% ▲ ▲ 0.10%: raised on 27 Oct 2026 from 3.75% to 3.85%. fixed rate
€385
per year, annualised€3,529 total over 8 years
Termijndeposito · Deposit · 5 years · via Raisin
5 years
no early withdrawal
compounded yearly · min. €500 · max. €90,000
Effective annual rate
3.80% ▲ ▲ 0.13%: raised on 30 Oct 2026 from 3.67% to 3.80%. fixed rate
€380
per year, annualised€2,050 total over 5 years
Termijndeposito · Deposit · 7 years · via Raisin
7 years
no early withdrawal
paid out yearly · min. €1,000 · max. €100,000
Effective annual rate
3.75% ▲ 0.33%: raised on 1 Oct 2026 from 3.42% to 3.75%. fixed rate
€375
per year, annualised€2,625 total over 7 years
Termijndeposito · Deposit · 7 years · via Raisin
7 years
no early withdrawal
withholding tax reclaimable to 0% Belgium withholds by default 30% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. compounded yearly · min. €5,000 · max. €100,000
Effective annual rate
3.75% ▲ 0.15%: raised on 14 Sep 2026 from 3.60% to 3.75%. Termijndeposito · Deposit · 8 years · via Raisin
8 years
no early withdrawal
withholding tax reclaimable to 0% Belgium withholds by default 30% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. compounded yearly · min. €5,000 · max. €100,000
Effective annual rate
3.75% ▲ 0.15%: raised on 14 Sep 2026 from 3.60% to 3.75%. Termijndeposito · Deposit · 10 years · via Raisin
10 years
no early withdrawal
withholding tax reclaimable to 0% Belgium withholds by default 30% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. compounded yearly · min. €5,000 · max. €100,000
Effective annual rate
3.75% ▲ 1.25%: raised on 14 Sep 2026 from 2.50% to 3.75%. Termijndeposito · Deposit · 8 years · via Raisin
8 years
no early withdrawal
paid out yearly · min. €5,000 · max. €100,000
Effective annual rate
3.75% ▲ 0.20%: raised on 28 Sep 2026 from 3.55% to 3.75%. fixed rate
€375
per year, annualised€3,000 total over 8 years
Termijndeposito · Deposit · 9 years · via Raisin
9 years
no early withdrawal
paid out yearly · min. €5,000 · max. €100,000
Effective annual rate
3.75% ▲ 0.15%: raised on 28 Sep 2026 from 3.60% to 3.75%. fixed rate
€375
per year, annualised€3,375 total over 9 years
Termijndeposito · Deposit · 5 years · via Raisin
5 years
no early withdrawal
compounded yearly · min. €5,000 · max. €100,000
Effective annual rate
3.70% ▲ ▲ 0.25%: raised on 23 Oct 2026 from 3.45% to 3.70%. fixed rate
€370
per year, annualised€1,992 total over 5 years
Termijndeposito · Deposit · 7 years · via Raisin
7 years
no early withdrawal
paid out yearly · min. €5,000 · max. €100,000
Effective annual rate
3.70% ▼ ▼ 0.05%: lowered on 15 Oct 2026 from 3.75% to 3.70%. fixed rate
€370
per year, annualised€2,590 total over 7 years
Termijndeposito · Deposit · 5 years · via Raisin
5 years
no early withdrawal
compounded yearly · min. €1,000 · max. €85,000
Effective annual rate
3.67% ▲ ▲ 0.15%: raised on 14 Oct 2026 from 3.52% to 3.67%. fixed rate
€367
per year, annualised€1,975 total over 5 years
Termijndeposito · Deposit · 10 years
10 years
no early withdrawal
paid out yearly · min. €2,500 · max. €1,000,000
Effective annual rate
3.65% ▲ 0.60%: raised on 2 Sep 2026 from 3.05% to 3.65%. fixed rate
€365
per year, annualised€3,650 total over 10 years
Termijn Deposito · Deposit · 5 years
paid out yearly · max. €500,000
Effective annual rate
3.60% ▲ ▲ 0.20%: raised on 23 Oct 2026 from 3.40% to 3.60%. fixed rate
€360
per year, annualised€1,800 total over 5 years
Termijn Deposito · Deposit · 6 years
paid out yearly · max. €500,000
Effective annual rate
3.60% ▲ ▲ 0.20%: raised on 23 Oct 2026 from 3.40% to 3.60%. fixed rate
€360
per year, annualised€2,160 total over 6 years
Termijn Deposito · Deposit · 7 years
paid out yearly · max. €500,000
Effective annual rate
3.60% ▲ ▲ 0.20%: raised on 23 Oct 2026 from 3.40% to 3.60%. fixed rate
€360
per year, annualised€2,520 total over 7 years
Termijn Deposito · Deposit · 8 years
paid out yearly · max. €500,000
Effective annual rate
3.60% ▲ ▲ 0.20%: raised on 23 Oct 2026 from 3.40% to 3.60%. fixed rate
€360
per year, annualised€2,880 total over 8 years
Termijndeposito · Deposit · 7 years
7 years
no early withdrawal
paid out yearly · min. €2,500 · max. €1,000,000
Effective annual rate
3.55% ▲ ▲ 0.65%: raised on 27 Oct 2026 from 2.90% to 3.55%. fixed rate
€355
per year, annualised€2,485 total over 7 years
Euro-Plus Deposito (jaarlijkse rente-uitkering) · Deposit · 5 years
paid out yearly · min. €2,000
Effective annual rate
3.55% ▲ 0.20%: raised on 22 Sep 2026 from 3.35% to 3.55%. fixed rate
€355
per year, annualised€1,775 total over 5 years
Deposito Sparen · Deposit · 5 years
5 years
no early withdrawal
paid out yearly · min. €1,000 · max. €2,000,000
Effective annual rate
3.50% ▲ ▲ 0.50%: raised on 28 Oct 2026 from 3.00% to 3.50%. fixed rate
€350
per year, annualised€1,750 total over 5 years
Show 18 offers more Show 30 offers more €3,910 total over 10 years
German scheme €10,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Swedish scheme €10,000 fully protected Brocc Finance AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Brocc Finance AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Brocc Finance AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Brocc Finance AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €10,000 fully protected Hoist Finance AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
German scheme
€10,000 fully protected Aareal Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
▲ 0.15
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.60% to 3.75%.
€375
per year, annualised€2,939 total over 7 years
Belgian scheme €10,000 fully protected BankB N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
▲ 0.15
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.60% to 3.75%.
€375
per year, annualised€3,425 total over 8 years
Belgian scheme €10,000 fully protected BankB N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
▲ 1.25
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.50% to 3.75%.
€375
per year, annualised€4,450 total over 10 years
Belgian scheme €10,000 fully protected BankB N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
German scheme €10,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme €10,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
French scheme €10,000 fully protected RCI Banque S.A. · Fonds de Garantie des Dépôts et de Résolution (FGDR) · €100,000 per person per bank
German scheme €10,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Swedish scheme €10,000 fully protected Brocc Finance AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Dutch scheme
€10,000 fully protected Nexent Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €10,000 fully protected Anadolubank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €10,000 fully protected Anadolubank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €10,000 fully protected Anadolubank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €10,000 fully protected Anadolubank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €10,000 fully protected Nexent Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €10,000 fully protected Yapi Kredi Bank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €10,000 fully protected Ayvens Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
