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.
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.
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.
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.
What €50,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
3.91%▲▲ 0.01%: raised on 27 Oct 2026 from 3.90% to 3.91%.▲ 0.01Rate over the last 90 days. Raised on 27 Oct 2026 from 3.90% to 3.91%.
fixed rate
€1,955
per year, annualised€19,550 total over 10 years
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
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
7 years fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.75%▲ 0.15%: raised on 14 Sep 2026 from 3.60% to 3.75%.
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
8 years fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.75%▲ 0.15%: raised on 14 Sep 2026 from 3.60% to 3.75%.
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
10 years fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.75%▲ 1.25%: raised on 14 Sep 2026 from 2.50% to 3.75%.
3.50% rate3.51% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.50% is the rate the bank advertises. More explanation
3.41%▲▲ 0.23%: raised on 29 Oct 2026 from 3.17% to 3.40%.▲ 0.23Rate over the last 90 days. Raised on 29 Oct 2026 from 3.17% to 3.40%.
3.40% rate3.41% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €20,000 · max. €100,000
2 years fixed · no early withdrawal
Effective annual rate
3.40%▲▲ 0.10%: raised on 2 Nov 2026 from 3.36% to 3.46%.▲ 0.10Rate over the last 90 days. Raised on 2 Nov 2026 from 3.36% to 3.46%.
3.46% rate3.40% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
20 years fixed · early withdrawal with loss of interest
Effective annual rate
3.40%▲▲ 0.05%: raised on 12 Oct 2026 from 3.30% to 3.35%.▲ 0.05Rate over the last 90 days. Raised on 12 Oct 2026 from 3.30% to 3.35%.
3.35% rate3.40% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
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.paid out yearly · min. €250
5 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
3.40%▲▲ 0.25%: raised on 15 Oct 2026 from 3.15% to 3.40%.
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
paid out at maturity · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
Effective annual rate
3.39%▲▲ 0.10%: raised on 30 Oct 2026 from 3.35% to 3.45%.▲ 0.10Rate over the last 90 days. Raised on 30 Oct 2026 from 3.35% to 3.45%.
3.45% rate3.39% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
2 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.39%▲▲ 0.05%: raised on 30 Oct 2026 from 3.40% to 3.45%.
3.38%▲ 0.35%: raised on 22 Sep 2026 from 3.20% to 3.55%.▲ 0.35Rate over the last 90 days. Raised on 22 Sep 2026 from 3.20% to 3.55%.
3.55% rate3.38% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.55% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
18 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.37%▲▲ 0.10%: raised on 26 Oct 2026 from 3.30% to 3.40%.
15 years fixed · early withdrawal with loss of interest
Effective annual rate
3.35%▲▲ 0.15%: raised on 12 Oct 2026 from 3.15% to 3.30%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 3.15% to 3.30%.
3.30% rate3.35% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
3.32%▲ 0.20%: raised on 22 Sep 2026 from 3.35% to 3.55%.▲ 0.20Rate over the last 90 days. Raised on 22 Sep 2026 from 3.35% to 3.55%.
3.55% rate3.32% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.55% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
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.paid out yearly · min. €250
4 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
3.30%▲▲ 0.20%: raised on 15 Oct 2026 from 3.10% to 3.30%.
10 years fixed · early withdrawal with loss of interest
Effective annual rate
3.30%▲▲ 0.15%: raised on 12 Oct 2026 from 3.10% to 3.25%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 3.10% to 3.25%.
3.25% rate is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
3.29%▲ 0.25%: raised on 24 Sep 2026 from 3.15% to 3.40%.▲ 0.25Rate over the last 90 days. Raised on 24 Sep 2026 from 3.15% to 3.40%.
3.40% rate3.29% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.40% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €20,000 · max. €100,000
1 year fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.28%▲▲ 0.11%: raised on 30 Oct 2026 from 3.17% to 3.28%.
3.27%▲▲ 0.20%: raised on 23 Oct 2026 from 3.10% to 3.30%.▲ 0.20Rate over the last 90 days. Raised on 23 Oct 2026 from 3.10% to 3.30%.
3.30% rate3.27% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
1 year fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.26%▲▲ 0.06%: raised on 21 Oct 2026 from 3.20% to 3.26%.
paid out at maturity · min. €20,000 · max. €100,000
3 years fixed · no early withdrawal
Effective annual rate
3.25%▲▲ 1.36%: raised on 27 Oct 2026 from 2.00% to 3.36%.▲ 1.36Rate over the last 90 days. Raised on 27 Oct 2026 from 2.00% to 3.36%.
3.36% rate3.25% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
3 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.24%▲▲ 0.15%: raised on 13 Oct 2026 from 3.20% to 3.35%.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
4 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.24%▲▲ 0.20%: raised on 13 Oct 2026 from 3.20% to 3.40%.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
5 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.23%▲▲ 0.15%: raised on 13 Oct 2026 from 3.30% to 3.45%.
3.21%▲▲ 0.05%: raised on 22 Oct 2026 from 3.15% to 3.20%.▲ 0.05Rate over the last 90 days. Raised on 22 Oct 2026 from 3.15% to 3.20%.
3.20% rate3.21% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
1 year fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.20%▼▼ 0.10%: lowered on 19 Oct 2026 from 3.30% to 3.20%.
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.paid out yearly · min. €250
3 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
3.20%▲▲ 0.15%: raised on 15 Oct 2026 from 3.05% to 3.20%.
withholding tax reclaimable to 0%Romania withholds by default 10% 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.paid out at maturity · min. €20,000 · max. €100,000
6 months fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.20%▲▲ 0.06%: raised on 2 Nov 2026 from 3.11% to 3.17%.
paid out at maturity · min. €10,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
3.18%▲▲ 0.07%: raised on 30 Oct 2026 from 3.09% to 3.16%.▲ 0.07Rate over the last 90 days. Raised on 30 Oct 2026 from 3.09% to 3.16%.
3.16% rate3.18% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €20,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
3.17%▲▲ 0.20%: raised on 21 Oct 2026 from 2.95% to 3.15%.▲ 0.20Rate over the last 90 days. Raised on 21 Oct 2026 from 2.95% to 3.15%.
3.15% rate3.17% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €5,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
3.17%▲▲ 0.25%: raised on 13 Oct 2026 from 2.90% to 3.15%.▲ 0.25Rate over the last 90 days. Raised on 13 Oct 2026 from 2.90% to 3.15%.
3.15% rate3.17% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €5,000 · max. €100,000
10 years fixed · no early withdrawal
Effective annual rate
3.17%▲ 0.10%: raised on 14 Sep 2026 from 3.56% to 3.66%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 3.56% to 3.66%.
3.66% rate3.17% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.66% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
3.16%▲▲ 0.15%: raised on 14 Oct 2026 from 3.00% to 3.15%.▲ 0.15Rate over the last 90 days. Raised on 14 Oct 2026 from 3.00% to 3.15%.
3.15% rate3.16% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €25,000 · max. €100,000
2 years fixed · no early withdrawal
Effective annual rate
3.15%▲▲ 0.05%: raised on 23 Oct 2026 from 3.15% to 3.20%.▲ 0.05Rate over the last 90 days. Raised on 23 Oct 2026 from 3.15% to 3.20%.
3.20% rate3.15% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
3.20% rate3.15% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.20% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
1 year fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.15%▼▼ 0.10%: lowered on 21 Oct 2026 from 3.25% to 3.15%.
paid out at maturity · min. €25,000 · max. €100,000
1 year fixed · no early withdrawal
Effective annual rate
3.15%No change seen in the last 90 days.
fixed rate
€1,575
interest per year
Liechtenstein scheme€50,000 fully protectedSIGMA Bank AG · Einlagensicherungs- und Anlegerentschädigungs-Stiftung SV (EAS) · €106,000 per person per bank
paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
Effective annual rate
3.15%▲▲ 0.15%: raised on 7 Oct 2026 from 3.10% to 3.25%.▲ 0.15Rate over the last 90 days. Raised on 7 Oct 2026 from 3.10% to 3.25%.
3.25% rate3.15% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €5,000 · max. €100,000
7 years fixed · no early withdrawal
Effective annual rate
3.15%▲ 0.10%: raised on 14 Sep 2026 from 3.36% to 3.46%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 3.36% to 3.46%.
3.46% rate3.15% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.46% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €5,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
3.13%▲▲ 0.05%: raised on 28 Oct 2026 from 3.06% to 3.11%.▲ 0.05Rate over the last 90 days. Raised on 28 Oct 2026 from 3.06% to 3.11%.
3.11% rate3.13% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €25,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
3.12%▲▲ 0.18%: raised on 23 Oct 2026 from 2.92% to 3.10%.▲ 0.18Rate over the last 90 days. Raised on 23 Oct 2026 from 2.92% to 3.10%.
3.10% rate3.12% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax reclaimable to 0%Romania withholds by default 10% 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.paid out at maturity · min. €20,000 · max. €100,000
9 months fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.12%▲▲ 0.03%: raised on 15 Oct 2026 from 3.08% to 3.11%.
paid out at maturity · min. €1,000 · max. €100,000
9 months fixed · no early withdrawal
Effective annual rate
3.11%▲ 0.35%: raised on 22 Sep 2026 from 2.75% to 3.10%.▲ 0.35Rate over the last 90 days. Raised on 22 Sep 2026 from 2.75% to 3.10%.
3.10% rate3.11% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. More explanation
paid out at maturity · min. €5,000 · max. €100,000
5 years fixed · no early withdrawal
Effective annual rate
3.11%▲ 0.10%: raised on 14 Sep 2026 from 3.21% to 3.31%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 3.21% to 3.31%.
3.31% rate3.11% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.31% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €1,000 · max. €100,000
10 months fixed · no early withdrawal
Effective annual rate
3.11%▲ 0.20%: raised on 22 Sep 2026 from 2.90% to 3.10%.▲ 0.20Rate over the last 90 days. Raised on 22 Sep 2026 from 2.90% to 3.10%.
3.10% rate3.11% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. More explanation
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €10,000 · max. €100,000
paid out at maturity · min. €5,000 · max. €100,000
4 years fixed · no early withdrawal
Effective annual rate
3.10%▲▲ 0.20%: raised on 7 Oct 2026 from 3.05% to 3.25%.▲ 0.20Rate over the last 90 days. Raised on 7 Oct 2026 from 3.05% to 3.25%.
3.25% rate3.10% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
Effective annual rate
3.10%▲ 0.17%: raised on 14 Sep 2026 from 2.98% to 3.15%.▲ 0.17Rate over the last 90 days. Raised on 14 Sep 2026 from 2.98% to 3.15%.
3.15% rate3.10% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.15% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €5,000 · max. €100,000
8 years fixed · no early withdrawal
Effective annual rate
3.10%▲ 0.10%: raised on 14 Sep 2026 from 3.36% to 3.46%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 3.36% to 3.46%.
3.46% rate3.10% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.46% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
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.paid out yearly · min. €250
2 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
3.10%▲▲ 0.10%: raised on 15 Oct 2026 from 3.00% to 3.10%.
paid out at maturity · min. €5,000 · max. €100,000
9 years fixed · no early withdrawal
Effective annual rate
3.10%▲ 0.10%: raised on 14 Sep 2026 from 3.41% to 3.51%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 3.41% to 3.51%.
3.51% rate3.10% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.51% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
3.09%▲▲ 0.22%: raised on 28 Oct 2026 from 2.85% to 3.07%.▲ 0.22Rate over the last 90 days. Raised on 28 Oct 2026 from 2.85% to 3.07%.
3.07% rate3.09% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
Effective annual rate
3.08%▲ 0.10%: raised on 14 Sep 2026 from 3.08% to 3.18%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 3.08% to 3.18%.
3.18% rate3.08% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.18% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €5,000 · max. €100,000
9 months fixed · no early withdrawal
Effective annual rate
3.07%▲▲ 0.10%: raised on 19 Oct 2026 from 2.96% to 3.06%.▲ 0.10Rate over the last 90 days. Raised on 19 Oct 2026 from 2.96% to 3.06%.
3.06% rate3.07% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €5,000 · max. €100,000
4 years fixed · no early withdrawal
Effective annual rate
3.07%▲ 0.10%: raised on 14 Sep 2026 from 3.11% to 3.21%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 3.11% to 3.21%.
3.21% rate3.07% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.21% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €5,000 · max. €100,000
6 years fixed · no early withdrawal
Effective annual rate
3.07%▲ 0.10%: raised on 14 Sep 2026 from 3.21% to 3.31%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 3.21% to 3.31%.
3.31% rate3.07% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.31% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €5,000 · max. €100,000
5 years fixed · no early withdrawal
Effective annual rate
3.06%▲▲ 0.15%: raised on 7 Oct 2026 from 3.10% to 3.25%.▲ 0.15Rate over the last 90 days. Raised on 7 Oct 2026 from 3.10% to 3.25%.
3.25% rate3.06% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €25,000 · max. €100,000
4 years fixed · no early withdrawal
Effective annual rate
3.06%▲▲ 0.05%: raised on 23 Oct 2026 from 3.15% to 3.20%.▲ 0.05Rate over the last 90 days. Raised on 23 Oct 2026 from 3.15% to 3.20%.
3.20% rate3.06% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
Effective annual rate
3.06%▲ 0.12%: raised on 14 Sep 2026 from 3.03% to 3.15%.▲ 0.12Rate over the last 90 days. Raised on 14 Sep 2026 from 3.03% to 3.15%.
3.15% rate3.06% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.15% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €10,000 · max. €100,000
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
9 years fixed · early withdrawal with loss of interest
Effective annual rate
3.04%▲▲ 0.15%: raised on 12 Oct 2026 from 2.85% to 3.00%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 2.85% to 3.00%.
3.00% rate3.04% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
paid out at maturity · min. €1,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
3.02%▲▲ 0.10%: raised on 3 Nov 2026 from 2.90% to 3.00%.▲ 0.10Rate over the last 90 days. Raised on 3 Nov 2026 from 2.90% to 3.00%.
3.00% rate3.02% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
9 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.01%▼▼ 0.05%: lowered on 21 Oct 2026 from 3.05% to 3.00%.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
1 year fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.00%▼▼ 0.26%: lowered on 21 Oct 2026 from 3.26% to 3.00%.
8 years fixed · early withdrawal with loss of interest
Effective annual rate
2.99%▲▲ 0.15%: raised on 12 Oct 2026 from 2.80% to 2.95%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 2.80% to 2.95%.
2.95% rate2.99% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
18 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.98%▼▼ 0.26%: lowered on 21 Oct 2026 from 3.26% to 3.00%.
2.97%▲▲ 0.05%: raised on 22 Oct 2026 from 2.90% to 2.95%.▲ 0.05Rate over the last 90 days. Raised on 22 Oct 2026 from 2.90% to 2.95%.
2.95% rate2.97% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €30,000 · max. €100,000
9 months fixed · no early withdrawal
Effective annual rate
2.96%▲▲ 0.20%: raised on 13 Oct 2026 from 2.75% to 2.95%.▲ 0.20Rate over the last 90 days. Raised on 13 Oct 2026 from 2.75% to 2.95%.
2.95% rate2.96% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €1,000 · max. €1,000,000
9 months fixed · no early withdrawal
Effective annual rate
2.96%▲▲ 0.10%: raised on 2 Nov 2026 from 2.85% to 2.95%.▲ 0.10Rate over the last 90 days. Raised on 2 Nov 2026 from 2.85% to 2.95%.
2.95% rate2.96% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €1,000 · max. €100,000
9 months fixed · no early withdrawal
Effective annual rate
2.96%▲▲ 0.10%: raised on 3 Nov 2026 from 2.85% to 2.95%.▲ 0.10Rate over the last 90 days. Raised on 3 Nov 2026 from 2.85% to 2.95%.
2.95% rate2.96% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
2.96%▲ 0.10%: raised on 15 Sep 2026 from 2.85% to 2.95%.▲ 0.10Rate over the last 90 days. Raised on 15 Sep 2026 from 2.85% to 2.95%.
2.95% rate2.96% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.95% is the rate the bank advertises.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
2 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.96%▼▼ 0.26%: lowered on 21 Oct 2026 from 3.26% to 3.00%.
5 years fixed · early withdrawal with loss of interest
Effective annual rate
2.94%▲▲ 0.15%: raised on 12 Oct 2026 from 2.75% to 2.90%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 2.75% to 2.90%.
2.90% rate is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
6 years fixed · early withdrawal with loss of interest
Effective annual rate
2.94%▲▲ 0.15%: raised on 12 Oct 2026 from 2.75% to 2.90%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 2.75% to 2.90%.
2.90% rate is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
7 years fixed · early withdrawal with loss of interest
Effective annual rate
2.94%▲▲ 0.15%: raised on 12 Oct 2026 from 2.75% to 2.90%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 2.75% to 2.90%.
2.90% rate2.94% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
2.93%▼ 0.10%: lowered on 15 Sep 2026 from 3.02% to 2.92%.▼ 0.10Rate over the last 90 days. Lowered on 15 Sep 2026 from 3.02% to 2.92%.
2.92% rate2.93% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.92% is the rate the bank advertises. More explanation
paid out at maturity · min. €1,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
2.92%▲ 0.15%: raised on 22 Sep 2026 from 2.75% to 2.90%.▲ 0.15Rate over the last 90 days. Raised on 22 Sep 2026 from 2.75% to 2.90%.
2.90% rate2.92% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.90% is the rate the bank advertises. More explanation
paid out at maturity · min. €1,000 · max. €1,000,000
6 months fixed · no early withdrawal
Effective annual rate
2.92%▲▲ 0.10%: raised on 2 Nov 2026 from 2.80% to 2.90%.▲ 0.10Rate over the last 90 days. Raised on 2 Nov 2026 from 2.80% to 2.90%.
2.90% rate2.92% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
2.92%▼▼ 0.05%: lowered on 27 Oct 2026 from 2.95% to 2.90%.▼ 0.05Rate over the last 90 days. Lowered on 27 Oct 2026 from 2.95% to 2.90%.
2.90% rate2.92% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €1,000 · max. €100,000
7 months fixed · no early withdrawal
Effective annual rate
2.92%▲ 0.15%: raised on 22 Sep 2026 from 2.75% to 2.90%.▲ 0.15Rate over the last 90 days. Raised on 22 Sep 2026 from 2.75% to 2.90%.
2.90% rate2.92% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.90% is the rate the bank advertises. More explanation
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
9 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.91%▼▼ 0.13%: lowered on 12 Oct 2026 from 3.03% to 2.90%.
2.91%▲▲ 0.05%: raised on 28 Oct 2026 from 2.85% to 2.90%.▲ 0.05Rate over the last 90 days. Raised on 28 Oct 2026 from 2.85% to 2.90%.
2.90% rate2.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out yearly · min. €1,000
2 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.90%▲▲ 0.10%: raised on 16 Oct 2026 from 2.80% to 2.90%.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out yearly · min. €1,000
3 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.90%▲▲ 0.10%: raised on 16 Oct 2026 from 2.80% to 2.90%.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out yearly · min. €1,000
4 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.90%▲▲ 0.10%: raised on 16 Oct 2026 from 2.80% to 2.90%.
2.88%▲ 0.05%: raised on 2 Sep 2026 from 3.05% to 3.10%.▲ 0.05Rate over the last 90 days. Raised on 2 Sep 2026 from 3.05% to 3.10%.
3.10% rate2.88% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
paid out at maturity · min. €50,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
2.88%▲ 0.16%: raised on 24 Sep 2026 from 2.70% to 2.86%.▲ 0.16Rate over the last 90 days. Raised on 24 Sep 2026 from 2.70% to 2.86%.
2.86% rate2.88% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.86% is the rate the bank advertises.
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €95,000
paid out at maturity · min. €50,000 · max. €100,000
9 months fixed · no early withdrawal
Effective annual rate
2.87%▲ 0.16%: raised on 24 Sep 2026 from 2.70% to 2.86%.▲ 0.16Rate over the last 90 days. Raised on 24 Sep 2026 from 2.70% to 2.86%.
2.86% rate2.87% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.86% is the rate the bank advertises.
2.86%▼▼ 0.15%: lowered on 27 Oct 2026 from 3.00% to 2.85%.▼ 0.15Rate over the last 90 days. Lowered on 27 Oct 2026 from 3.00% to 2.85%.
2.85% rate2.86% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
2.86%▼▼ 0.25%: lowered on 19 Oct 2026 from 3.10% to 2.85%.▼ 0.25Rate over the last 90 days. Lowered on 19 Oct 2026 from 3.10% to 2.85%.
2.85% rate2.86% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
2.86%▲▲ 0.10%: raised on 26 Oct 2026 from 2.75% to 2.85%.▲ 0.10Rate over the last 90 days. Raised on 26 Oct 2026 from 2.75% to 2.85%.
2.85% rate2.86% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €1,000
1 year fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.85%▲▲ 0.10%: raised on 16 Oct 2026 from 2.75% to 2.85%.
3.10% rate2.85% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
3.10% rate2.81% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
4 years fixed · early withdrawal with loss of interest
Effective annual rate
2.78%▲▲ 0.15%: raised on 12 Oct 2026 from 2.60% to 2.75%.▲ 0.15Rate over the last 90 days. Raised on 12 Oct 2026 from 2.60% to 2.75%.
2.75% rate is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
paid out at maturity · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
Effective annual rate
2.78%▲ 0.10%: raised on 14 Sep 2026 from 2.72% to 2.82%.▲ 0.10Rate over the last 90 days. Raised on 14 Sep 2026 from 2.72% to 2.82%.
2.82% rate2.78% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.82% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
3.10% rate2.77% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
2.77%▼▼ 0.30%: lowered on 19 Oct 2026 from 3.05% to 2.75%.▼ 0.30Rate over the last 90 days. Lowered on 19 Oct 2026 from 3.05% to 2.75%.
2.75% rate2.77% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €1,000
6 months fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.77%▲▲ 0.15%: raised on 16 Oct 2026 from 2.60% to 2.75%.
2.75% rate2.77% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.75% is the rate the bank advertises. More explanation
paid out at maturity · min. €10,000 · max. €100,000
3 months fixed · no early withdrawal
Effective annual rate
2.74%▲▲ 0.05%: raised on 30 Oct 2026 from 2.66% to 2.71%.▲ 0.05Rate over the last 90 days. Raised on 30 Oct 2026 from 2.66% to 2.71%.
2.71% rate2.74% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
3.10% rate2.74% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
2.73%▲▲ 0.24%: raised on 28 Oct 2026 from 2.46% to 2.70%.▲ 0.24Rate over the last 90 days. Raised on 28 Oct 2026 from 2.46% to 2.70%.
2.70% rate2.73% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €25,000 · max. €100,000
3 months fixed · no early withdrawal
Effective annual rate
2.73%▲▲ 0.10%: raised on 23 Oct 2026 from 2.60% to 2.70%.▲ 0.10Rate over the last 90 days. Raised on 23 Oct 2026 from 2.60% to 2.70%.
2.70% rate2.73% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €30,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
2.72%▲▲ 0.10%: raised on 13 Oct 2026 from 2.60% to 2.70%.▲ 0.10Rate over the last 90 days. Raised on 13 Oct 2026 from 2.60% to 2.70%.
2.70% rate2.72% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
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.paid out at maturity · min. €250
1 year fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.70%▲ 0.20%: raised on 2 Sep 2026 from 2.50% to 2.70%.
paid out at maturity · min. €5,000 · max. €100,000
10 years fixed · no early withdrawal
Effective annual rate
2.66%No change seen in the last 90 days.
3.00% rate2.66% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
3 years fixed · early withdrawal with loss of interest
Effective annual rate
2.63%▲▲ 0.15%: raised on 3 Nov 2026 from 2.45% to 2.60%.▲ 0.15Rate over the last 90 days. Raised on 3 Nov 2026 from 2.45% to 2.60%.
2.60% rate is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
Effective annual rate
2.63%▲▲ 0.10%: raised on 26 Oct 2026 from 2.50% to 2.60%.▲ 0.10Rate over the last 90 days. Raised on 26 Oct 2026 from 2.50% to 2.60%.
2.60% rate2.63% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
Effective annual rate
2.63%▲▲ 0.10%: raised on 3 Nov 2026 from 2.50% to 2.60%.▲ 0.10Rate over the last 90 days. Raised on 3 Nov 2026 from 2.50% to 2.60%.
2.60% rate2.63% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €1,000 · max. €100,000
4 months fixed · no early withdrawal
Effective annual rate
2.62%▲▲ 0.10%: raised on 26 Oct 2026 from 2.50% to 2.60%.▲ 0.10Rate over the last 90 days. Raised on 26 Oct 2026 from 2.50% to 2.60%.
2.60% rate2.62% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €1,000 · max. €100,000
5 months fixed · no early withdrawal
Effective annual rate
2.62%▲▲ 0.10%: raised on 26 Oct 2026 from 2.50% to 2.60%.▲ 0.10Rate over the last 90 days. Raised on 26 Oct 2026 from 2.50% to 2.60%.
2.60% rate2.62% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
2.62%▲▲ 0.30%: raised on 6 Oct 2026 from 2.31% to 2.61%.▲ 0.30Rate over the last 90 days. Raised on 6 Oct 2026 from 2.31% to 2.61%.
2.61% rate2.62% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
2.62%▲ 0.10%: raised on 15 Sep 2026 from 2.50% to 2.60%.▲ 0.10Rate over the last 90 days. Raised on 15 Sep 2026 from 2.50% to 2.60%.
2.60% rate2.62% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.60% is the rate the bank advertises.
2.61%▲ 0.55%: raised on 15 Sep 2026 from 2.05% to 2.60%.▲ 0.55Rate over the last 90 days. Raised on 15 Sep 2026 from 2.05% to 2.60%.
2.60% rate2.61% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
2.58%▲▲ 0.30%: raised on 6 Oct 2026 from 2.26% to 2.56%.▲ 0.30Rate over the last 90 days. Raised on 6 Oct 2026 from 2.26% to 2.56%.
2.56% rate2.58% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €50,000 · max. €100,000
3 months fixed · no early withdrawal
Effective annual rate
2.57%▲ 0.05%: raised on 24 Sep 2026 from 2.50% to 2.55%.▲ 0.05Rate over the last 90 days. Raised on 24 Sep 2026 from 2.50% to 2.55%.
2.55% rate2.57% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.55% is the rate the bank advertises.
paid out at maturity · min. €1,000 · max. €1,000,000
3 months fixed · no early withdrawal
Effective annual rate
2.57%▲▲ 0.05%: raised on 2 Nov 2026 from 2.50% to 2.55%.▲ 0.05Rate over the last 90 days. Raised on 2 Nov 2026 from 2.50% to 2.55%.
2.55% rate2.57% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.55% is the rate the bank advertises.
2.57%▲ 0.50%: raised on 15 Sep 2026 from 2.05% to 2.55%.▲ 0.50Rate over the last 90 days. Raised on 15 Sep 2026 from 2.05% to 2.55%.
2.55% rate2.57% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
2.51% rate2.53% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.51% is the rate the bank advertises. More explanation
2.52%▼▼ 0.10%: lowered on 22 Oct 2026 from 2.60% to 2.50%.▼ 0.10Rate over the last 90 days. Lowered on 22 Oct 2026 from 2.60% to 2.50%.
2.50% rate2.52% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
2.52%▲▲ 0.68%: raised on 29 Oct 2026 from 1.82% to 2.50%.▲ 0.68Rate over the last 90 days. Raised on 29 Oct 2026 from 1.82% to 2.50%.
2.50% rate2.52% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €2,500 · max. €1,000,000
6 months fixed · no early withdrawal
Effective annual rate
2.52%▲▲ 0.65%: raised on 27 Oct 2026 from 1.85% to 2.50%.▲ 0.65Rate over the last 90 days. Raised on 27 Oct 2026 from 1.85% to 2.50%.
2.50% rate2.52% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €20,000 · max. €100,000
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €20,000 · max. €100,000
paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
Effective annual rate
2.48%▲ 0.11%: raised on 16 Sep 2026 from 2.35% to 2.46%.▲ 0.11Rate over the last 90 days. Raised on 16 Sep 2026 from 2.35% to 2.46%.
2.46% rate2.48% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.46% is the rate the bank advertises.
paid out at maturity · min. €20,000 · max. €100,000
3 months fixed · no early withdrawal
Effective annual rate
2.47%▲ 0.09%: raised on 14 Sep 2026 from 2.36% to 2.45%.▲ 0.09Rate over the last 90 days. Raised on 14 Sep 2026 from 2.36% to 2.45%.
2.45% rate2.47% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.45% is the rate the bank advertises.
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
2.46% rate2.47% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.46% is the rate the bank advertises. More explanation
2 years fixed · early withdrawal with loss of interest
Effective annual rate
2.43%▲▲ 0.15%: raised on 3 Nov 2026 from 2.25% to 2.40%.▲ 0.15Rate over the last 90 days. Raised on 3 Nov 2026 from 2.25% to 2.40%.
2.40% rate is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest.
withholding tax 10%Portugal withholds by default 28% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
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.paid out at maturity · min. €250
6 months fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.41%▲ 0.20%: raised on 14 Sep 2026 from 2.20% to 2.40%.
2.41%▼▼ 0.40%: lowered on 12 Oct 2026 from 2.80% to 2.40%.▼ 0.40Rate over the last 90 days. Lowered on 12 Oct 2026 from 2.80% to 2.40%.
2.40% rate2.41% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
paid out at maturity · min. €5,000 · max. €100,000
9 months fixed · no early withdrawal
Effective annual rate
2.41%▲ 0.60%: raised on 16 Sep 2026 from 1.80% to 2.40%.▲ 0.60Rate over the last 90 days. Raised on 16 Sep 2026 from 1.80% to 2.40%.
2.40% rate2.41% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.40% is the rate the bank advertises. More explanation
paid out at maturity · min. €50,000 · max. €100,000
1 month fixed · no early withdrawal
Effective annual rate
2.38%▲ 0.05%: raised on 24 Sep 2026 from 2.30% to 2.35%.▲ 0.05Rate over the last 90 days. Raised on 24 Sep 2026 from 2.30% to 2.35%.
2.35% rate2.38% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.35% is the rate the bank advertises.
2.37%▲ 0.10%: raised on 15 Sep 2026 from 2.25% to 2.35%.▲ 0.10Rate over the last 90 days. Raised on 15 Sep 2026 from 2.25% to 2.35%.
2.35% rate2.37% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises.
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
2.36%▲ 0.15%: raised on 2 Sep 2026 from 2.20% to 2.35%.▲ 0.15Rate over the last 90 days. Raised on 2 Sep 2026 from 2.20% to 2.35%.
2.35% rate2.36% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.35% is the rate the bank advertises.
withholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €20,000 · max. €100,000
3 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.34%No change seen in the last 90 days.
2.40% rate is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
paid out at maturity · min. €20,000 · max. €100,000
3 months fixed · early withdrawal allowed
Effective annual rate
2.32%▲ 0.35%: raised on 14 Sep 2026 from 1.95% to 2.30%.▲ 0.35Rate over the last 90 days. Raised on 14 Sep 2026 from 1.95% to 2.30%.
2.30% rate2.32% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.30% is the rate the bank advertises.
paid out at maturity · min. €5,000 · max. €100,000
6 months fixed · no early withdrawal
Effective annual rate
2.31%▲ 0.50%: raised on 16 Sep 2026 from 1.80% to 2.30%.▲ 0.50Rate over the last 90 days. Raised on 16 Sep 2026 from 1.80% to 2.30%.
2.30% rate2.31% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.30% is the rate the bank advertises. More explanation
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
withholding tax 10%Latvia withholds by default 25.5% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.paid out at maturity · min. €10,000 · max. €100,000
paid out at maturity · min. €20,000 · max. €100,000
6 months fixed · early withdrawal with loss of interest
Effective annual rate
2.28%▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.▲ 0.25Rate over the last 90 days. Raised on 17 Sep 2026 from 2.02% to 2.27%.
2.27% rate2.28% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.27% is the rate the bank advertises.
paid out at maturity · min. €20,000 · max. €100,000
9 months fixed · early withdrawal with loss of interest
Effective annual rate
2.28%▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.▲ 0.25Rate over the last 90 days. Raised on 17 Sep 2026 from 2.02% to 2.27%.
2.27% rate2.28% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.27% is the rate the bank advertises.
2.27% rate2.28% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.27% is the rate the bank advertises. More explanation
paid out at maturity · min. €1,000 · max. €100,000
1 month fixed · no early withdrawal
Effective annual rate
2.27%▲▲ 0.15%: raised on 26 Oct 2026 from 2.10% to 2.25%.▲ 0.15Rate over the last 90 days. Raised on 26 Oct 2026 from 2.10% to 2.25%.
2.25% rate2.27% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.25% is the rate the bank advertises.
1 year fixed · early withdrawal with loss of interest
Effective annual rate
2.27%▲▲ 0.25%: raised on 3 Nov 2026 from 2.00% to 2.25%.▲ 0.25Rate over the last 90 days. Raised on 3 Nov 2026 from 2.00% to 2.25%.
2.25% rate is the effective annual rate for €50,000: 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.
paid out at maturity · min. €1,000 · max. €100,000
2 months fixed · no early withdrawal
Effective annual rate
2.27%▲▲ 0.15%: raised on 26 Oct 2026 from 2.10% to 2.25%.▲ 0.15Rate over the last 90 days. Raised on 26 Oct 2026 from 2.10% to 2.25%.
2.25% rate2.27% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.25% is the rate the bank advertises.
withholding tax reclaimable to 0%Spain withholds by default 19% 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.paid out at maturity · min. €20,000 · max. €100,000
paid out at maturity · min. €20,000 · max. €100,000
18 months fixed · early withdrawal with loss of interest
Effective annual rate
2.26%▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.▲ 0.25Rate over the last 90 days. Raised on 17 Sep 2026 from 2.02% to 2.27%.
2.27% rate2.26% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.27% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
German scheme€50,000 fully protectedAKA Ausfuhrkredit-Gesellschaft mbH · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Rate over the last 90 days. Raised on 30 Oct 2026 from 3.40% to 3.45%.
3.45% rate3.39% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.45% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,696
per year, annualised€3,450 total over 2 years
Lithuanian scheme€50,000 fully protectedUAB SME Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Raised on 26 Oct 2026 from 3.30% to 3.40%.
3.40% rate3.37% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.40% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,686
per year, annualised€2,550 total over 18 months
Lithuanian scheme€50,000 fully protectedUAB SME Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
3.32% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.35% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,661
per year, annualised€2,513 total over 18 months
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
German scheme€50,000 fully protectedAKA Ausfuhrkredit-Gesellschaft mbH · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
€50,000 fully protectedCompagnie Générale De Crédit Aux Particuliers - CREDIPAR S.A. · Fonds de Garantie des Dépôts et de Résolution (FGDR) · €100,000 per person per bank
3.30% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.35% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,648
per year, annualised€3,350 total over 2 years
Latvian scheme€50,000 fully protectedBluOr Bank AS · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank
3.30% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.35% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,648
per year, annualised€3,350 total over 2 years
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Raised on 13 Oct 2026 from 3.20% to 3.35%.
3.35% rate3.24% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.35% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,622
per year, annualised€5,025 total over 3 years
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Raised on 13 Oct 2026 from 3.20% to 3.40%.
3.40% rate3.24% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.40% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,620
per year, annualised€6,800 total over 4 years
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Raised on 13 Oct 2026 from 3.30% to 3.45%.
3.45% rate3.23% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.45% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,617
per year, annualised€8,625 total over 5 years
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Raised on 2 Nov 2026 from 3.11% to 3.17%.
3.17% rate3.20% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.17% is the rate the bank advertises. More explanation
€1,598
per year, annualised€793 total over 6 months
Romanian scheme€50,000 fully protectedProcredit Bank S.A. · Fondul de Garantare a Depozitelor Bancare (FGDB) · €100,000 per person per bank
Rate over the last 90 days. Raised on 15 Oct 2026 from 3.08% to 3.11%.
3.11% rate3.12% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.11% is the rate the bank advertises. More explanation
€1,561
per year, annualised€1,166 total over 9 months
Romanian scheme€50,000 fully protectedProcredit Bank S.A. · Fondul de Garantare a Depozitelor Bancare (FGDB) · €100,000 per person per bank
3.10% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.20% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,551
per year, annualised€4,800 total over 3 years
Portuguese scheme€50,000 fully protectedHaitong Bank, S.A. · Fundo de Garantia de Depósitos (FGD) · €100,000 per person per bank
3.05% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,527
per year, annualised€3,100 total over 2 years
Portuguese scheme€50,000 fully protectedHaitong Bank, S.A. · Fundo de Garantia de Depósitos (FGD) · €100,000 per person per bank
3.01% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. More explanation
€1,506
per year, annualised€1,125 total over 9 months
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Lowered on 21 Oct 2026 from 3.05% to 3.00%.
3.00% rate3.01% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. More explanation
€1,506
per year, annualised€1,125 total over 9 months
Lithuanian scheme€50,000 fully protectedAB Mano bankas · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Lowered on 21 Oct 2026 from 3.26% to 3.00%.
3.00% rate2.98% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,489
per year, annualised€2,250 total over 18 months
Lithuanian scheme€50,000 fully protectedAB Mano bankas · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Lowered on 21 Oct 2026 from 3.26% to 3.00%.
3.00% rate2.96% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.00% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,478
per year, annualised€3,000 total over 2 years
Lithuanian scheme€50,000 fully protectedAB Mano bankas · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Lowered on 12 Oct 2026 from 3.03% to 2.90%.
2.90% rate2.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.90% is the rate the bank advertises. More explanation
€1,455
per year, annualised€1,088 total over 9 months
Latvian scheme€50,000 fully protectedBluOr Bank AS · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank
German scheme€50,000 fully protectedDeutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
2.87% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.85% is the rate the bank advertises. More explanation
€1,435
per year, annualised€713 total over 6 months
Latvian scheme€50,000 fully protectedBluOr Bank AS · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank
2.87% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.85% is the rate the bank advertises. More explanation
€1,435
per year, annualised€713 total over 6 months
Lithuanian scheme€50,000 fully protectedAB Fjord Bank · Indėlių ir investicijų draudimas (IID) · €100,000 per person per bank
Rate over the last 90 days. Raised on 16 Oct 2026 from 2.60% to 2.75%.
2.75% rate2.77% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.75% is the rate the bank advertises. More explanation
€1,384
per year, annualised€688 total over 6 months
Spanish scheme€50,000 fully protectedOpen Bank, S.A. · Fondo de Garantía de Depósitos de Entidades de Crédito (FGD) · €100,000 per person per bank
€50,000 fully protectedScalable Capital Bank GmbH (of een andere partnerbank) · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank The provider chooses which bank holds your money; its app shows which. Other balances at that bank count towards the guarantee limit.
Austrian scheme€50,000 fully protectedBAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG · Einlagensicherung AUSTRIA Ges.m.b.H. (ESA) · €100,000 per person per bank
Austrian scheme€50,000 fully protectedBAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG · Einlagensicherung AUSTRIA Ges.m.b.H. (ESA) · €100,000 per person per bank
2.54% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.60% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,268
per year, annualised€3,900 total over 3 years
Latvian scheme€50,000 fully protectedJSC “Rietumu Banka” · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank
2.51% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.50% is the rate the bank advertises. More explanation
€1,254
per year, annualised€938 total over 9 months
Italian scheme€50,000 fully protectedBFF BANK S.p.A. Sucursal en España · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
Austrian scheme€50,000 fully protectedBAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG · Einlagensicherung AUSTRIA Ges.m.b.H. (ESA) · €100,000 per person per bank
Italian scheme€50,000 fully protectedBFF BANK S.p.A. Sucursal en España · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
French scheme€50,000 fully protectedCompagnie Générale De Crédit Aux Particuliers - CREDIPAR S.A. · Fonds de Garantie des Dépôts et de Résolution (FGDR) · €100,000 per person per bank
2.47% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.50% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,235
per year, annualised€2,500 total over 2 years
Latvian scheme€50,000 fully protectedJSC “Rietumu Banka” · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank
Austrian scheme€50,000 fully protectedBAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG · Einlagensicherung AUSTRIA Ges.m.b.H. (ESA) · €100,000 per person per bank
2.42% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.40% is the rate the bank advertises. More explanation
€1,211
per year, annualised€300 total over 3 months
Portuguese scheme€50,000 fully protectedBanco BAI Europa S.A. · Fundo de Garantia de Depósitos (FGD) · €100,000 per person per bank
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.20% to 2.40%.
2.40% rate2.41% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.40% is the rate the bank advertises. More explanation
€1,207
per year, annualised€600 total over 6 months
Belgian scheme€50,000 fully protectedArgenta Spaarbank N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
€50,000 fully protectedBAWAG P.S.K. Bank für Arbeit und Wirtschaft und Österreichische Postsparkasse AG · Einlagensicherung AUSTRIA Ges.m.b.H. (ESA) · €100,000 per person per bank
2.36% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.45% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,182
per year, annualised€4,900 total over 4 years
Latvian scheme€50,000 fully protectedJSC “Rietumu Banka” · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank
2.34% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.45% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
€1,169
per year, annualised€6,125 total over 5 years
Latvian scheme€50,000 fully protectedJSC “Rietumu Banka” · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank
2.26% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.25% is the rate the bank advertises. More explanation
€1,131
per year, annualised€563 total over 6 months
Italian scheme€50,000 fully protectedBFF BANK S.p.A. Sucursal en España · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank
