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 →
2.78%
best instant access
3.40%
1-year deposit
3.91%
10 years deposit
2.00%
big banks
Highest effective annual rate for €100,000, after promotions and fees
€100,000 · Deposit · DGS 1
123 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 3.17% 9 mo 3.11% 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 3.17% 9 mo 3.11% 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 123 offers
Product
Instant access money always available up to 2.78% Notice period give notice before withdrawing up to 2.45% 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 3.17% 9 mo 3.11% 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) → 123 offers · deposits
8 do not fit your amount · show Sort by Highest return Highest effective rate Highest rate Term Bank (A–Z) List Per bank
E-mail me when this changes
As soon as the highest rate for deposits changes, you get one e-mail. Every mail has a one-click unsubscribe link.
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.
123 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 €100,000 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
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
€3,910
per year, annualised€39,100 total over 10 years
German scheme €100,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
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
€3,900
per year, annualised€46,607 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
€3,900
per year, annualised€41,104 total over 9 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
€3,850
per year, annualised€20,790 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
€3,850
per year, annualised€25,441 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
€3,850
per year, annualised€30,270 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
€3,850
per year, annualised€35,286 total over 8 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
€3,750
per year, annualised€26,250 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
€3,750
per year, annualised€30,000 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
€3,750
per year, annualised€33,750 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
€3,700
per year, annualised€19,921 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
€3,700
per year, annualised€25,900 total over 7 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
€3,650
per year, annualised€36,500 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
€3,600
per year, annualised€18,000 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
€3,600
per year, annualised€21,600 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
€3,600
per year, annualised€25,200 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
€3,600
per year, annualised€28,800 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
€3,550
per year, annualised€24,850 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
€3,550
per year, annualised€17,750 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
€3,500
per year, annualised€17,500 total over 5 years
Termijndeposito · Deposit · 5 years
5 years
no early withdrawal
paid out yearly · min. €2,500 · max. €1,000,000
Effective annual rate
3.50% ▲ ▲ 0.65%: raised on 27 Oct 2026 from 2.85% to 3.50%. fixed rate
€3,500
per year, annualised€17,500 total over 5 years
Termijndeposito · Deposit · 5 years · via Raisin
5 years
no early withdrawal
paid out yearly · min. €1,000 · max. €100,000
Effective annual rate
3.50% ▲ 0.18%: raised on 15 Sep 2026 from 3.32% to 3.50%. fixed rate
€3,500
per year, annualised€17,500 total over 5 years
Termijndeposito · Deposit · 6 years · via Raisin
6 years
no early withdrawal
paid out yearly · min. €5,000 · max. €100,000
Effective annual rate
3.50% ▲ 0.05%: raised on 28 Sep 2026 from 3.45% to 3.50%. fixed rate
€3,500
per year, annualised€21,000 total over 6 years
Termijndeposito · Deposit · 5 years · via Raisin
5 years
no early withdrawal
compounded yearly · min. €500 · max. €100,000
Effective annual rate
3.41% ▲ 0.30%: raised on 14 Sep 2026 from 3.11% to 3.41%. fixed rate
€3,410
per year, annualised€18,253 total over 5 years
RenteVast Rekening · Deposit · 20 years
20 years
withdrawable with loss of interest
compounded monthly · min. €500
Effective annual rate
3.40% ▲ ▲ 0.05%: raised on 12 Oct 2026 from 3.30% to 3.35%. 3.35% rate i 3.40% is the effective annual rate for €100,000: what you really earn per year, after fees and including compound interest.
Termijndeposito · Deposit · 5 years · via Raisin
5 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
3.40% No change seen in the last 90 days. fixed rate
€3,400
per year, annualised
Termijndeposito · Deposit · 5 years · via Raisin
5 years
no early withdrawal
compounded yearly · min. €5,000 · max. €100,000
Effective annual rate
3.40% ▲ ▲ 0.10%: raised on 26 Oct 2026 from 3.30% to 3.40%. fixed rate
€3,400
per year, annualised€18,196 total over 5 years
Show 18 offers more Show 30 offers more Swedish scheme €100,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €100,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €100,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €100,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €100,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Swedish scheme €100,000 fully protected Myntro AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
German scheme
€100,000 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%.
€3,750
per year, annualised€29,395 total over 7 years
Belgian scheme €100,000 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%.
€3,750
per year, annualised€34,247 total over 8 years
Belgian scheme €100,000 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%.
€3,750
per year, annualised€44,504 total over 10 years
Belgian scheme €100,000 fully protected BankB N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
German scheme €100,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme €100,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
French scheme €100,000 fully protected RCI Banque S.A. · Fonds de Garantie des Dépôts et de Résolution (FGDR) · €100,000 per person per bank
German scheme €100,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Dutch scheme
€100,000 fully protected Nexent Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €100,000 fully protected Anadolubank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €100,000 fully protected Anadolubank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €100,000 fully protected Anadolubank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €100,000 fully protected Anadolubank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €100,000 fully protected Nexent Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €100,000 fully protected Yapi Kredi Bank Nederland N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €100,000 fully protected Ayvens Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Dutch scheme €100,000 fully protected Nexent Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
German scheme
€100,000 fully protected Aareal Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme €100,000 fully protected Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Estonian scheme
€100,000 fully protected Inbank AS · Tagatisfond – Hoiuste tagamise osafond · €100,000 per person per bank
3.35%
€3,402
per year, annualised€95,241 total over 20 years
Dutch scheme €100,000 fully protected Achmea Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
€18,196 total over 5 years
Belgian scheme €100,000 fully protected BankB N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
Finnish scheme €100,000 fully protected Alisa Pankki Oyj · Talletussuoja (Rahoitusvakausvirasto) · €100,000 per person per bank
