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Spaarradar

Independent: the order follows only from the rate, your amount and the deposit guarantee, never from fees paid by banks.

Last check 1 minute ago·570 offers from 88 institutions

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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

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 238 rates up, 14 down all changes →

€
  • 3.04%
    best instant access
  • 3.45%
    1-year deposit
  • 3.75%
    10 years deposit
  • 1.85%
    big banks

Highest effective annual rate for €25,000, after promotions and fees

7 offers

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7 offers · with a notice period

7 offers

Bank and product
Effective annual rateThe 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 returnWhat €25,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
Deposit guarantee
  1. Banca Progetto
    Spaarrekening met 4 dagen opzegtermijn· Notice period 4 days· via Raisin
    Notice period 4 daysno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €10,000 · max. €90,000
    • Notice period 4 days
    • no withholding tax
    Effective annual rate
    2.25%No change seen in the last 90 days.
    variable rate
    €563
    interest per year
    Italian scheme
    Open account
  2. Lea Bank AB
    Spaarrekening met 4 dagen opzegtermijn· Notice period 4 days· via Raisin
    Notice period 4 daysno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €5,000 · max. €100,000
    • Notice period 4 days
    • no withholding tax
    Effective annual rate
    2.19%No change seen in the last 90 days.
    2.17% rate2.19% is the effective annual rate for €25,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded during the term and earns interest on interest.
  3. DHB Bank
    CombiSpaarrekening-online· Notice period 99 days
    Notice period 99 daysno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €500,000
    • Notice period 99 days
    • no withholding tax
    Effective annual rate
    2.10%No change seen in the last 90 days.
    variable rate
    €525
    interest per year
  4. DHB Bank
    CombiSpaarrekening-online· Notice period 66 days
    Notice period 66 daysno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €500,000
    • Notice period 66 days
    • no withholding tax
    Effective annual rate
    2.05%No change seen in the last 90 days.
    variable rate
    €513
    interest per year
  5. Imprebancanew
    Spaarrekening met 4 dagen opzegtermijn· Notice period 4 days· via Raisin
    Notice period 4 daysno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €10,000 · max. €100,000
    • Notice period 4 days
    • no withholding tax
    Effective annual rate
    2.05%No change seen in the last 90 days.
    variable rate
    €513
    interest per year
  6. DHB Bank
    CombiSpaarrekening-online· Notice period 33 days
    Notice period 33 daysno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €500,000
    • Notice period 33 days
    • no withholding tax
    Effective annual rate
    2.00%▲▲ 0.15%: raised on 2 Sep 2026 from 1.85% to 2.00%.
  7. CiviBank
    Spaarrekening met 31 dagen opzegtermijn· Notice period 31 days· via Raisin
    Notice period 31 daysno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €20,000 · max. €100,000
    • Notice period 31 days
    • no withholding tax
    Effective annual rate
    1.50%No change seen in the last 90 days.
    variable rate
    €375
    interest per year
Rates straight from the bank and Raisin · gross, before tax · last check 1 minute ago · how we calculate · download as CSV
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News and background

All articles →
  • 18 Sep 2026Withholding tax on foreign savings interest: what do you really keep?

    A few European countries withhold tax on the interest you receive there. Per country: what is withheld, which form lowers it, and when the higher rate is still worth it.

  • 17 Sep 2026Promotional rates: when does a temporarily high savings rate pay off?

    Banks attract new customers with a high rate that drops back after a few months. A worked example shows when such a promotion really earns you more, and when a lower steady rate wins.

  • 16 Sep 2026Is saving at a foreign bank safe? How the deposit guarantee works in Europe

    The highest savings rates often come from banks in Sweden, Estonia or Malta. What the European deposit guarantee covers, who pays out if things go wrong, and what you need to watch yourself.

2.17%
More explanation
€548
interest per year
Swedish scheme
Open account
Dutch scheme
Open account
Dutch scheme
Open account
Italian scheme
Open account
▲ 0.15
Rate over the last 90 days. Raised on 2 Sep 2026 from 1.85% to 2.00%.
variable rate
€500
interest per year
Dutch scheme
Open account
Italian scheme
Banca di Cividale S.p.A.
Open account