Highest effective annual rate for €50,000, after promotions and fees
539 offers
539 offers · all types
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539 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 €50,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
7 years fixed · no early withdrawalwithholding 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%.▲ 0.15Rate over the last 90 days. Raised on 14 Sep 2026 from 3.60% to 3.75%.
8 years fixed · no early withdrawalwithholding 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%.
10 years fixed · no early withdrawalwithholding 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%.
10 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
10 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
10 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.68%▲▲ 0.03%: raised on 14 Sep 2026 from 3.65% to 3.68%.
10 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
9 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
9 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
9 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.52%▲▲ 0.07%: raised on 17 Sep 2026 from 3.45% to 3.52%.
10 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
10 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.52%▲▲ 0.06%: raised on 17 Sep 2026 from 3.46% to 3.52%.
8 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
8 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.50%▲▲ 0.06%: raised on 17 Sep 2026 from 3.44% to 3.50%.
7 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
8 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
8 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
9 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
5 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.50%▲▲ 0.18%: raised on 15 Sep 2026 from 3.32% to 3.50%.
7 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
7 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.47%▲▲ 0.04%: raised on 17 Sep 2026 from 3.43% to 3.47%.
1 year fixed · no early withdrawalwithholding 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
3.45%▲▲ 0.10%: raised on 14 Sep 2026 from 3.35% to 3.45%.
5 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.45%▲▲ 0.15%: raised on 17 Sep 2026 from 3.30% to 3.45%.
1 year fixed · no early withdrawalwithholding 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
3.45%▲▲ 0.25%: raised on 18 Sep 2026 from 3.20% to 3.45%.
5 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.44%▲▲ 0.03%: raised on 17 Sep 2026 from 3.41% to 3.44%.
6 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
6 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.44%▲▲ 0.02%: raised on 17 Sep 2026 from 3.42% to 3.44%.
5 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.43%▲▲ 0.03%: raised on 14 Sep 2026 from 3.40% to 3.43%.
6 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
6 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.43%▲▲ 0.03%: raised on 14 Sep 2026 from 3.40% to 3.43%.
7 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
5 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €90,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.41%▲▲ 0.01%: raised on 17 Sep 2026 from 3.40% to 3.41%.
5 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.41%▲▲ 0.30%: raised on 14 Sep 2026 from 3.11% to 3.41%.
5 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · max. €500,000
5 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.40%▲▲ 0.30%: raised on 17 Sep 2026 from 3.10% to 3.40%.
6 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · max. €500,000
6 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.40%▲▲ 0.30%: raised on 17 Sep 2026 from 3.10% to 3.40%.
7 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · max. €500,000
7 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.40%▲▲ 0.20%: raised on 17 Sep 2026 from 3.20% to 3.40%.
6 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
7 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
8 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · max. €500,000
8 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.40%▲▲ 0.20%: raised on 17 Sep 2026 from 3.20% to 3.40%.
5 years fixed · no early withdrawalwithholding 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
18 months fixed · no early withdrawalwithholding 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%▲▲ 0.20%: raised on 18 Sep 2026 from 3.20% to 3.40%.
2 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.36%▲▲ 0.40%: raised on 14 Sep 2026 from 2.96% to 3.36%.
1 year fixed · no early withdrawalwithholding 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
3.36%▼▼ 0.05%: lowered on 16 Sep 2026 from 3.41% to 3.36%.
20 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
20 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
3.35%No change seen in the last 90 days.
3.30% 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.
4 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.35%▲▲ 0.10%: raised on 17 Sep 2026 from 3.25% to 3.35%.
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 5 years
5 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
18 months fixed · no early withdrawalwithholding 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
3.33%▼▼ 0.05%: lowered on 16 Sep 2026 from 3.41% to 3.36%.
18 months fixed · no early withdrawalwithholding 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
18 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.32%No change seen in the last 90 days.
3.35% 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.
2 years fixed · no early withdrawalwithholding 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
3.31%▼▼ 0.05%: lowered on 16 Sep 2026 from 3.41% to 3.36%.
5 years fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.30%▲▲ 0.30%: raised on 16 Sep 2026 from 3.00% to 3.30%.
3 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.30%▲▲ 0.10%: raised on 17 Sep 2026 from 3.20% to 3.30%.
2 years fixed · no early withdrawalwithholding 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 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.30%No change seen in the last 90 days.
3.35% 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.
2 years fixed · no early withdrawalwithholding 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
2 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.30%No change seen in the last 90 days.
3.35% 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.
4 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · max. €500,000
4 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.25%▲▲ 0.25%: raised on 17 Sep 2026 from 3.00% to 3.25%.
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · max. €500,000
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.25%▲▲ 0.25%: raised on 17 Sep 2026 from 3.00% to 3.25%.
5 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
5 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.25%▲▲ 0.35%: raised on 15 Sep 2026 from 2.90% to 3.25%.
1 year fixed · no early withdrawalwithholding 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
3.25%▼▼ 0.15%: lowered on 15 Sep 2026 from 3.40% to 3.25%.
2 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.25%▲▲ 0.10%: raised on 17 Sep 2026 from 3.15% to 3.25%.
5 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
2 years fixed · no early withdrawalwithholding 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
3.25%▲▲ 0.10%: raised on 18 Sep 2026 from 3.20% to 3.30%.
4 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.22%▲▲ 0.05%: raised on 14 Sep 2026 from 3.17% to 3.22%.
4 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €90,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.22%▲▲ 0.05%: raised on 17 Sep 2026 from 3.17% to 3.22%.
4 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.21%▲▲ 0.15%: raised on 14 Sep 2026 from 3.06% to 3.21%.
10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500
10 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
3.20%▲▲ 0.20%: raised on 15 Sep 2026 from 3.00% to 3.20%.
4 years fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.30%: raised on 16 Sep 2026 from 2.90% to 3.20%.
9 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
9 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.10%: raised on 14 Sep 2026 from 3.10% to 3.20%.
10 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
10 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.10%: raised on 14 Sep 2026 from 3.10% to 3.20%.
8 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
8 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.10%: raised on 14 Sep 2026 from 3.10% to 3.20%.
6 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
6 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.10%: raised on 14 Sep 2026 from 3.10% to 3.20%.
7 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
7 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.10%: raised on 14 Sep 2026 from 3.10% to 3.20%.
2 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.20%: raised on 14 Sep 2026 from 3.00% to 3.20%.
35 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
35 months fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.20%: raised on 14 Sep 2026 from 3.00% to 3.20%.
3 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.15%: raised on 14 Sep 2026 from 3.05% to 3.20%.
5 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.10%: raised on 14 Sep 2026 from 3.10% to 3.20%.
4 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.15%: raised on 14 Sep 2026 from 3.05% to 3.20%.
4 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
4 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.20%▲▲ 0.35%: raised on 15 Sep 2026 from 2.85% to 3.20%.
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 4 years
4 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
15 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
15 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
3.20%No change seen in the last 90 days.
3.15% 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.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.19%▲▲ 0.06%: raised on 17 Sep 2026 from 3.13% to 3.19%.
3 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.19%▲▲ 0.13%: raised on 14 Sep 2026 from 3.06% to 3.19%.
10 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
10 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.17%▲▲ 0.10%: raised on 14 Sep 2026 from 3.56% to 3.66%.
2 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
2 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.15%No change seen in the last 90 days.
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.
2 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · max. €500,000
2 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.15%▲▲ 0.25%: raised on 17 Sep 2026 from 2.90% to 3.15%.
5 years fixed · early withdrawal unknownwithholding 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
1 year fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
3.15%▲▲ 0.15%: raised on 14 Sep 2026 from 3.00% to 3.15%.
5 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000 · current account required
5 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.15%▲▲ 0.35%: raised on 15 Sep 2026 from 2.80% to 3.15%.
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.15%▲▲ 0.35%: raised on 15 Sep 2026 from 2.80% to 3.15%.
5 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
5 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.15%▲▲ 0.35%: raised on 15 Sep 2026 from 2.80% to 3.15%.
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
3.15%▲▲ 0.10%: raised on 17 Sep 2026 from 3.05% to 3.15%.
4 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 3 years
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
7 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
7 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.15%▲▲ 0.10%: raised on 14 Sep 2026 from 3.36% to 3.46%.
5 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
5 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.15%No change seen in the last 90 days.
3.35% 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.
10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
10 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
3.14%▲▲ 0.10%: raised on 14 Sep 2026 from 3.00% to 3.10%.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €90,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.13%▲▲ 0.01%: raised on 17 Sep 2026 from 3.12% to 3.13%.
5 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.11%▲▲ 0.10%: raised on 14 Sep 2026 from 3.21% to 3.31%.
10 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
10 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.11%▲▲ 0.10%: raised on 14 Sep 2026 from 3.01% to 3.11%.
3 years fixed · no early withdrawalwithholding 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
3.10%No change seen in the last 90 days.
3.20% 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.
3 years fixed · no early withdrawalwithholding 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
3 years fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.10%No change seen in the last 90 days.
3.20% 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.
2 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.17%: raised on 14 Sep 2026 from 2.98% to 3.15%.
2 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.05%: raised on 14 Sep 2026 from 3.10% to 3.15%.
8 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
8 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.10%: raised on 14 Sep 2026 from 3.36% to 3.46%.
5 years fixed · no early withdrawalwithholding 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
3.10%No change seen in the last 90 days.
3.30% 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.
4 years fixed · early withdrawal unknownwithholding 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 unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000 · current account required
4 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.10%▲▲ 0.35%: raised on 15 Sep 2026 from 2.75% to 3.10%.
4 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
4 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.10%▲▲ 0.35%: raised on 15 Sep 2026 from 2.75% to 3.10%.
4 years fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly
4 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €2,000,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.30%: raised on 14 Sep 2026 from 2.80% to 3.10%.
2 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
2 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.10%▲▲ 0.35%: raised on 15 Sep 2026 from 2.75% to 3.10%.
5 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 2 years
2 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 6 years
6 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 7 years
7 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 9 years
9 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 10 years
10 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 8 years
8 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
1 year fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · max. €500,000
1 year fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.10%▲▲ 0.30%: raised on 17 Sep 2026 from 2.80% to 3.10%.
3 years fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.30%: raised on 16 Sep 2026 from 2.80% to 3.10%.
1 year fixed · no early withdrawalno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.19%: raised on 15 Sep 2026 from 2.91% to 3.10%.
1 year fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.10%: raised on 17 Sep 2026 from 3.00% to 3.10%.
1 year fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
9 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
9 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.10%: raised on 14 Sep 2026 from 3.41% to 3.51%.
9 months fixed · no early withdrawalwithholding 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
3.09%▲▲ 0.27%: raised on 14 Sep 2026 from 2.81% to 3.08%.
3 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.08%▲▲ 0.10%: raised on 14 Sep 2026 from 3.08% to 3.18%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.08%▲▲ 0.02%: raised on 14 Sep 2026 from 3.06% to 3.08%.
3 years fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly
18 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · max. €500,000
18 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.08%▲▲ 0.30%: raised on 17 Sep 2026 from 2.80% to 3.10%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.07%▲▲ 0.02%: raised on 14 Sep 2026 from 3.05% to 3.07%.
4 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.07%▲▲ 0.10%: raised on 14 Sep 2026 from 3.11% to 3.21%.
6 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
6 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.07%▲▲ 0.10%: raised on 14 Sep 2026 from 3.21% to 3.31%.
9 months fixed · no early withdrawalwithholding 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
3.06%No change seen in the last 90 days.
3.05% 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.
1 year fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
3.06%▲▲ 0.16%: raised on 16 Sep 2026 from 2.90% to 3.06%.
18 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
18 months fixed · no early withdrawal
no withholding tax
Effective annual rate
3.06%▲▲ 0.03%: raised on 14 Sep 2026 from 3.02% to 3.05%.
4 years fixed · no early withdrawalwithholding 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
3.06%No change seen in the last 90 days.
3.20% 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.
4 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
4 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.06%No change seen in the last 90 days.
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.
3 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.06%▲▲ 0.12%: raised on 14 Sep 2026 from 3.03% to 3.15%.
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.06%No change seen in the last 90 days.
3.15% 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.
2 years fixed · no early withdrawalwithholding 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
2 years fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
3.05%No change seen in the last 90 days.
3.10% 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.
4 years fixed · no early withdrawalwithholding 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
4 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.05%▼▼ 0.05%: lowered on 15 Sep 2026 from 3.10% to 3.05%.
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €25,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
3.05%▲▲ 0.80%: raised on 16 Sep 2026 from 2.25% to 3.05%.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
18 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
3 years fixed · early withdrawal unknownwithholding 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 unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000 · current account required
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.05%▲▲ 0.35%: raised on 15 Sep 2026 from 2.70% to 3.05%.
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.05%▲▲ 0.35%: raised on 15 Sep 2026 from 2.70% to 3.05%.
2 years fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly
2 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
2 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
3 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
2 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.05%▲▲ 0.10%: raised on 14 Sep 2026 from 2.95% to 3.05%.
4 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
9 months fixed · no early withdrawalwithholding 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
3.04%No change seen in the last 90 days.
3.03% 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.
18 months fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly
9 months fixed · no early withdrawalwithholding 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
9 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
3.01%No change seen in the last 90 days.
3.00% 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.
1 year fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
3.01%▲▲ 0.06%: raised on 14 Sep 2026 from 2.95% to 3.01%.
3 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.01%No change seen in the last 90 days.
3.10% rate3.01% 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.
2 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €25,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.00%▲▲ 0.70%: raised on 16 Sep 2026 from 2.35% to 3.05%.
2 years fixed · early withdrawal unknownwithholding 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 unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000 · current account required
2 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.00%▲▲ 0.35%: raised on 15 Sep 2026 from 2.65% to 3.00%.
2 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
2 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.00%▲▲ 0.35%: raised on 15 Sep 2026 from 2.65% to 3.00%.
1 year fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity
5 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €2,000,000
1 year fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
5 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
2 years fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.00%▲▲ 0.60%: raised on 16 Sep 2026 from 2.40% to 3.00%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.00%▲▲ 0.20%: raised on 14 Sep 2026 from 2.80% to 3.00%.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.00%▼▼ 0.08%: lowered on 15 Sep 2026 from 3.08% to 3.00%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
1 year fixed · early withdrawal unknownno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity
1 year fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.00%▲▲ 0.25%: raised on 18 Sep 2026 from 2.75% to 3.00%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.96%▼▼ 0.09%: lowered on 15 Sep 2026 from 3.05% to 2.96%.
18 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
18 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.96%▲▲ 0.10%: raised on 15 Sep 2026 from 2.85% to 2.95%.
18 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
18 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.96%▲▲ 0.15%: raised on 14 Sep 2026 from 2.80% to 2.95%.
30 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
30 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.10%: raised on 15 Sep 2026 from 2.85% to 2.95%.
3 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €2,000,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.30%: raised on 14 Sep 2026 from 2.65% to 2.95%.
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €30,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.35%: raised on 14 Sep 2026 from 2.60% to 2.95%.
1 year fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.10%: raised on 15 Sep 2026 from 2.85% to 2.95%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.10%: raised on 15 Sep 2026 from 2.85% to 2.95%.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.10%: raised on 15 Sep 2026 from 2.85% to 2.95%.
4 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.10%: raised on 15 Sep 2026 from 2.85% to 2.95%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
18 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
18 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.93%▼▼ 0.10%: lowered on 15 Sep 2026 from 3.02% to 2.92%.
5 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.92%▲▲ 0.25%: raised on 14 Sep 2026 from 2.85% to 3.10%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
4 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €25,000 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.92%▲▲ 0.70%: raised on 16 Sep 2026 from 2.35% to 3.05%.
4 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.92%▲▲ 0.20%: raised on 14 Sep 2026 from 2.85% to 3.05%.
6 months fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity
6 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.91%No change seen in the last 90 days.
2.89% rate2.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.89% is the rate the bank advertises.
10 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
10 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.91%▲▲ 0.40%: raised on 14 Sep 2026 from 2.50% to 2.90%.
11 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
11 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.90%▲▲ 0.40%: raised on 14 Sep 2026 from 2.50% to 2.90%.
1 year fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.90%▼▼ 0.10%: lowered on 15 Sep 2026 from 3.00% to 2.90%.
1 year fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.90%▼▼ 0.15%: lowered on 17 Sep 2026 from 3.05% to 2.90%.
1 year fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.90%▲▲ 0.25%: raised on 14 Sep 2026 from 2.65% to 2.90%.
10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €250,000 · current account required
10 years fixed · early withdrawal with loss of interest
10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
10 years fixed · early withdrawal with loss of interest
7 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
6 months fixed · no early withdrawalwithholding 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
2.89%▲▲ 0.01%: raised on 15 Sep 2026 from 2.86% to 2.87%.
9 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.89%▲▲ 0.07%: raised on 14 Sep 2026 from 2.81% to 2.88%.
9 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
9 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.89%▲▲ 0.15%: raised on 2 Sep 2026 from 2.70% to 2.85%.
6 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
6 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.88%No change seen in the last 90 days.
3.10% rate2.88% 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.
6 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.88%▲▲ 0.14%: raised on 14 Sep 2026 from 2.72% to 2.86%.
6 months fixed · no early withdrawalwithholding 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
6 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.87%No change seen in the last 90 days.
2.85% 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.
6 months fixed · no early withdrawalwithholding 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
6 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.87%No change seen in the last 90 days.
2.85% 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.
6 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €25,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.87%▲▲ 0.70%: raised on 16 Sep 2026 from 2.15% to 2.85%.
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €50,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.86%▲▲ 0.21%: raised on 16 Sep 2026 from 2.65% to 2.86%.
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
18 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
18 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.86%▲▲ 0.15%: raised on 14 Sep 2026 from 2.70% to 2.85%.
5 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500
5 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.85%▲▲ 0.20%: raised on 15 Sep 2026 from 2.65% to 2.85%.
1 year fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000
1 year fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.85%▲▲ 0.30%: raised on 15 Sep 2026 from 2.55% to 2.85%.
2 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €2,000,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.85%▲▲ 0.30%: raised on 14 Sep 2026 from 2.55% to 2.85%.
5 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
7 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
7 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.85%No change seen in the last 90 days.
3.10% rate2.85% 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.
8 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
8 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.84%▲▲ 0.15%: raised on 2 Sep 2026 from 2.65% to 2.80%.
6 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.82%▲▲ 0.20%: raised on 14 Sep 2026 from 2.60% to 2.80%.
6 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.82%▲▲ 0.35%: raised on 14 Sep 2026 from 2.45% to 2.80%.
8 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
8 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.81%No change seen in the last 90 days.
3.10% rate2.81% 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.
4 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
2 years fixed · early withdrawal unknownwithholding 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
2.80%▲▲ 0.25%: raised on 15 Sep 2026 from 2.55% to 2.80%.
3 years fixed · early withdrawal unknownwithholding 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
2.80%▲▲ 0.20%: raised on 15 Sep 2026 from 2.60% to 2.80%.
4 years fixed · early withdrawal unknownwithholding 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
2.80%▲▲ 0.20%: raised on 15 Sep 2026 from 2.60% to 2.80%.
4 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500
4 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.80%▲▲ 0.20%: raised on 15 Sep 2026 from 2.60% to 2.80%.
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
6 months fixed · no early withdrawalno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.79%▲▲ 0.09%: raised on 15 Sep 2026 from 2.68% to 2.77%.
5 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
5 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.78%▲▲ 0.15%: raised on 14 Sep 2026 from 2.60% to 2.75%.
6 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
6 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.78%▲▲ 0.10%: raised on 14 Sep 2026 from 2.65% to 2.75%.
7 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
7 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.78%▲▲ 0.15%: raised on 2 Sep 2026 from 2.60% to 2.75%.
2 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.78%▲▲ 0.10%: raised on 14 Sep 2026 from 2.72% to 2.82%.
6 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €10,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.78%▲▲ 0.10%: raised on 14 Sep 2026 from 2.66% to 2.76%.
9 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
9 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.77%No change seen in the last 90 days.
3.10% 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
6 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.77%▲▲ 0.25%: raised on 14 Sep 2026 from 2.50% to 2.75%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €85,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.77%▲▲ 0.05%: raised on 14 Sep 2026 from 2.70% to 2.75%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.77%▲▲ 0.30%: raised on 14 Sep 2026 from 2.45% to 2.75%.
7 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
7 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.77%▲▲ 0.25%: raised on 14 Sep 2026 from 2.50% to 2.75%.
9 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.76%▲▲ 0.25%: raised on 14 Sep 2026 from 2.50% to 2.75%.
9 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €30,000 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.76%▲▲ 0.20%: raised on 14 Sep 2026 from 2.55% to 2.75%.
9 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.76%▲▲ 0.25%: raised on 15 Sep 2026 from 2.50% to 2.75%.
18 months fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
18 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.76%▲▲ 0.55%: raised on 16 Sep 2026 from 2.20% to 2.75%.
3 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500
3 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.75%▲▲ 0.20%: raised on 15 Sep 2026 from 2.55% to 2.75%.
1 year fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000 · current account required
1 year fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.75%▲▲ 0.30%: raised on 15 Sep 2026 from 2.45% to 2.75%.
1 year fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €2,000,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.75%▲▲ 0.30%: raised on 14 Sep 2026 from 2.45% to 2.75%.
1 year fixed · early withdrawal unknownwithholding 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
2.75%▲▲ 0.10%: raised on 15 Sep 2026 from 2.65% to 2.75%.
3 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
2 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
3 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
4 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
5 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
10 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
10 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.74%No change seen in the last 90 days.
3.10% 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
6 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €50,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.72%▲▲ 0.18%: raised on 16 Sep 2026 from 2.52% to 2.70%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.72%No change seen in the last 90 days.
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.
9 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
9 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.20%: raised on 14 Sep 2026 from 2.51% to 2.71%.
3 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.20%: raised on 14 Sep 2026 from 2.51% to 2.71%.
4 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.20%: raised on 14 Sep 2026 from 2.51% to 2.71%.
5 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.20%: raised on 14 Sep 2026 from 2.51% to 2.71%.
6 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
6 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.20%: raised on 14 Sep 2026 from 2.51% to 2.71%.
8 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
8 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.20%: raised on 14 Sep 2026 from 2.51% to 2.71%.
7 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
7 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.20%: raised on 14 Sep 2026 from 2.51% to 2.71%.
9 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €50,000 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.15%: raised on 16 Sep 2026 from 2.55% to 2.70%.
1 year fixed · early withdrawal unknownwithholding 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
2 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500
2 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.70%▲▲ 0.20%: raised on 15 Sep 2026 from 2.50% to 2.70%.
2 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
4 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
6 months fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.70%No change seen in the last 90 days.
2.68% rate2.70% 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.
9 months fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.69%No change seen in the last 90 days.
2.68% rate2.69% 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.
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €10,000 · max. €100,000
1 year fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.67%▲▲ 0.07%: raised on 14 Sep 2026 from 2.60% to 2.67%.
9 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.66%▲▲ 0.20%: raised on 14 Sep 2026 from 2.45% to 2.65%.
10 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
10 years fixed · no early withdrawal
no withholding tax
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. 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.
10 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €1,000,000
10 years fixed · early withdrawal with loss of interest
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
4 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
4 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.63%▲▲ 0.10%: raised on 14 Sep 2026 from 2.50% to 2.60%.
6 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €30,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.62%▲▲ 0.10%: raised on 14 Sep 2026 from 2.50% to 2.60%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.62%▲▲ 0.10%: raised on 15 Sep 2026 from 2.50% to 2.60%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.62%▲▲ 0.20%: raised on 14 Sep 2026 from 2.40% to 2.60%.
6 months fixed · early withdrawal unknownwithholding 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
2.62%▲▲ 0.15%: raised on 15 Sep 2026 from 2.45% to 2.60%.
2 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.61%▲▲ 0.20%: raised on 14 Sep 2026 from 2.41% to 2.61%.
1 year fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
1 year fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €1,000,000
1 year fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500
1 year fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.60%▲▲ 0.20%: raised on 15 Sep 2026 from 2.40% to 2.60%.
18 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
9 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
9 years fixed · early withdrawal with loss of interest
Instant accesswithholding 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.compounded monthly · max. €1,000,000
promotional rate 6 months for new customers, then 2.10%
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €25,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.57%No change seen in the last 90 days.
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.
1 year fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €250
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.56%▲▲ 0.06%: raised on 14 Sep 2026 from 2.50% to 2.56%.
8 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
8 years fixed · early withdrawal with loss of interest
1 year fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €10,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.54%▲▲ 0.13%: raised on 14 Sep 2026 from 2.39% to 2.52%.
3 years fixed · no early withdrawalwithholding 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
3 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.54%No change seen in the last 90 days.
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 only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
1 year fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.53%No change seen in the last 90 days.
2.51% rate2.53% 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.
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out monthly · max. €100,000
promotional rate 3 months for new customers, then 2.35%
Instant access
no withholding tax
Effective annual rate
2.52%No change seen in the last 90 days.
3.05% promopromotional rate 3 months for new customers, then 2.35%
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €50,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.52%▲▲ 0.13%: raised on 16 Sep 2026 from 2.37% to 2.50%.
3 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €85,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.52%▲▲ 0.20%: raised on 14 Sep 2026 from 2.30% to 2.50%.
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · €59.88 fees per year
Instant access
no withholding tax
compounded monthly · €59.88 fees per year
Effective annual rate
2.51%No change seen in the last 90 days.
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. Fees of €59.88 per year are deducted. Interest is compounded during the term and earns interest on interest.
9 months fixed · no early withdrawalwithholding 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
9 months fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
2.51%No change seen in the last 90 days.
2.50% 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.
5 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €250,000 · current account required
5 years fixed · early withdrawal with loss of interest
7 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
7 years fixed · early withdrawal with loss of interest
1 year fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,500 · max. €1,000,000
1 year fixed · no early withdrawalwithholding 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 withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
1 year fixed · no early withdrawal
no withholding tax
Effective annual rate
2.50%▲▲ 0.50%: raised on 16 Sep 2026 from 2.00% to 2.50%.
5 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 months fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.48%▲▲ 0.11%: raised on 16 Sep 2026 from 2.35% to 2.46%.
3 months fixed · no early withdrawalno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.48%▲▲ 0.10%: raised on 15 Sep 2026 from 2.36% to 2.46%.
Instant accesswithholding 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.compounded monthly · interest up to €300,000 · current account required
promotional rate 6 months for new customers, then 1.80%
3 months fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.47%▼▼ 0.05%: lowered on 14 Sep 2026 from 2.50% to 2.45%.
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.47%▲▲ 0.09%: raised on 14 Sep 2026 from 2.36% to 2.45%.
2 years fixed · no early withdrawalwithholding 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 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.47%No change seen in the last 90 days.
2.50% 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.
9 months fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity
9 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.47%No change seen in the last 90 days.
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.
Instant accessno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · max. €500,000
promotional rate 6 months for new customers, then 1.90%
Instant access
no withholding tax
Effective annual rate
2.45%▲▲ 1.10%: raised on 15 Sep 2026 from 1.90% to 3.00%.
6 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
6 years fixed · early withdrawal with loss of interest
3 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.42%▲▲ 0.15%: raised on 14 Sep 2026 from 2.25% to 2.40%.
3 months fixed · no early withdrawalwithholding 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
3 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.42%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.
3 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.42%▲▲ 0.10%: raised on 14 Sep 2026 from 2.30% to 2.40%.
4 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
4 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.42%▲▲ 0.15%: raised on 14 Sep 2026 from 2.25% to 2.40%.
5 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
5 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.42%▲▲ 0.15%: raised on 14 Sep 2026 from 2.25% to 2.40%.
6 months fixed · early withdrawal unknownwithholding 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%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.
9 months fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.41%▲▲ 0.60%: raised on 16 Sep 2026 from 1.80% to 2.40%.
5 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
5 years fixed · early withdrawal with loss of interest
4 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
4 years fixed · no early withdrawalwithholding 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
4 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.36%No change seen in the last 90 days.
2.45% 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.
9 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000
9 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.36%No change seen in the last 90 days.
2.35% rate2.36% 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.
4 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out monthly · max. €1,000,000
Instant access
no withholding tax
Effective annual rate
2.35%▲▲ 0.15%: raised on 16 Sep 2026 from 2.20% to 2.35%.
3 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · no early withdrawalwithholding 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.
5 years fixed · no early withdrawalwithholding 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
5 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.34%No change seen in the last 90 days.
2.45% 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.
1 month fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €50,000 · max. €100,000
1 month fixed · no early withdrawal
no withholding tax
Effective annual rate
2.32%▲▲ 0.12%: raised on 16 Sep 2026 from 2.18% to 2.30%.
1 month fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €30,000 · max. €100,000
1 month fixed · no early withdrawal
no withholding tax
Effective annual rate
2.32%▲▲ 0.05%: raised on 16 Sep 2026 from 2.25% to 2.30%.
3 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
3 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.32%▲▲ 0.10%: raised on 14 Sep 2026 from 2.20% to 2.30%.
Spaarrekening met voorwaarden· Instant access· via Raisin
Instant accessno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.32%▲▲ 0.05%: raised on 16 Sep 2026 from 2.25% to 2.30%.
3 months fixed · early withdrawal allowedno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
3 months fixed · early withdrawal allowed
no withholding tax
Effective annual rate
2.32%▲▲ 0.35%: raised on 14 Sep 2026 from 1.95% to 2.30%.
9 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €250
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.32%▲▲ 0.06%: raised on 14 Sep 2026 from 2.25% to 2.31%.
9 months fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €1,000,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.32%No change seen in the last 90 days.
2.31% rate2.32% 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.
6 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.31%No change seen in the last 90 days.
2.30% rate2.31% 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.
6 months fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.31%▲▲ 0.50%: raised on 16 Sep 2026 from 1.80% to 2.30%.
3 years fixed · no early withdrawalwithholding 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
1 year fixed · no early withdrawalwithholding 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 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
4 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
4 years fixed · early withdrawal with loss of interest
6 months fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
6 months fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.28%▲▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.
9 months fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
9 months fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.28%▲▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.
9 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.28%No change seen in the last 90 days.
2.27% rate2.28% 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.
1 month fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €85,000
1 month fixed · no early withdrawal
no withholding tax
Effective annual rate
2.27%▲▲ 0.75%: raised on 14 Sep 2026 from 1.50% to 2.25%.
6 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €250
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.27%▲▲ 0.16%: raised on 14 Sep 2026 from 2.10% to 2.26%.
1 year fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
1 year fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.27%▲▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.
3 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.27%No change seen in the last 90 days.
2.25% rate2.27% 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.
Instant accessno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.27%▲▲ 0.03%: raised on 18 Sep 2026 from 2.22% to 2.25%.
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.27%No change seen in the last 90 days.
2.25% rate2.27% 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 compounded during the term and earns interest on interest.
Instant accessno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.27%▲▲ 0.05%: raised on 17 Sep 2026 from 2.20% to 2.25%.
6 months fixed · no early withdrawalwithholding 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
6 months fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
2.26%No change seen in the last 90 days.
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.
Instant accessno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.current account required
promotional rate 6 months for new customers, then 1.51%
Instant access
no withholding tax
Effective annual rate
2.26%No change seen in the last 90 days.
3.01% promopromotional rate 6 months for new customers, then 1.51%
18 months fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
18 months fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.26%▲▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.
9 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000 · current account required
9 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.26%▲▲ 0.05%: raised on 2 Sep 2026 from 2.20% to 2.25%.
18 months fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
3 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.25%▲▲ 0.10%: raised on 2 Sep 2026 from 2.15% to 2.25%.
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
2 years fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
2 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.24%▲▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.
1 month fixed · no early withdrawalno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · max. €100,000
1 month fixed · no early withdrawal
no withholding tax
Effective annual rate
2.22%▲▲ 0.05%: raised on 15 Sep 2026 from 2.15% to 2.20%.
Instant accessno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €1,000,000
Instant access
no withholding tax
Effective annual rate
2.22%No change seen in the last 90 days.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest.
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.07%: raised on 14 Sep 2026 from 2.13% to 2.20%.
3 months fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.22%▲▲ 0.40%: raised on 16 Sep 2026 from 1.80% to 2.20%.
Instant accessno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.04%: raised on 14 Sep 2026 from 2.16% to 2.20%.▲ 0.04
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.05%: raised on 16 Sep 2026 from 2.15% to 2.20%.
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.01%: raised on 14 Sep 2026 from 2.19% to 2.20%.
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%▲▲ 0.05%: raised on 14 Sep 2026 from 2.15% to 2.20%.
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.22%No change seen in the last 90 days.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest.
6 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000
6 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.21%No change seen in the last 90 days.
2.20% rate2.21% 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.
3 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €250,000 · current account required
3 years fixed · early withdrawal with loss of interest
5 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €1,000,000
5 years fixed · early withdrawal with loss of interest
1 year fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
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 €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.
Instant accessno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €2,000
promotional rate 3 months for new customers, then 1.80%
Instant access
no withholding tax
Effective annual rate
2.17%No change seen in the last 90 days.
3.30% promopromotional rate 3 months for new customers, then 1.80%
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.16%No change seen in the last 90 days.
2.15% rate2.16% 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.
Spaarrekening met voorwaarden· Instant access· via Raisin
Instant accessno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out quarterly · max. €100,000
9 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
9 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.16%No change seen in the last 90 days.
2.15% rate2.16% 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.
5 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €1,000,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.16%No change seen in the last 90 days.
2.25% rate2.16% 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
2 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €250,000 · current account required
2 years fixed · early withdrawal with loss of interest
3 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
2 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €1,000,000
2 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.15%▲▲ 0.15%: raised on 2 Sep 2026 from 2.00% to 2.15%.
3 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €1,000,000
3 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.15%▲▲ 0.15%: raised on 2 Sep 2026 from 2.00% to 2.15%.
4 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €1,000,000
4 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.15%▲▲ 0.15%: raised on 2 Sep 2026 from 2.00% to 2.15%.
1 month fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
1 month fixed · no early withdrawal
no withholding tax
Effective annual rate
2.12%No change seen in the last 90 days.
2.10% rate2.12% 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.
2 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
2 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.12%▲▲ 0.10%: raised on 14 Sep 2026 from 2.00% to 2.10%.
2 months fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
2 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.12%No change seen in the last 90 days.
2.10% rate2.12% 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.
3 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000
3 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.12%No change seen in the last 90 days.
2.10% rate2.12% 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.
7 years fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
7 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.11%No change seen in the last 90 days.
2.25% rate2.11% 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.
6 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000 · current account required
6 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.11%▲▲ 0.15%: raised on 2 Sep 2026 from 1.95% to 2.10%.
6 months fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €10,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.11%No change seen in the last 90 days.
2.10% rate2.11% 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.
1 year fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · current account required
1 year fixed · early withdrawal with loss of interest
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
5 years fixed · early withdrawal with loss of interestno withholding taxAustria withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €500,000 · current account required
5 years fixed · early withdrawal with loss of interest
2 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €1,000,000
2 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.10%▲▲ 0.10%: raised on 2 Sep 2026 from 2.00% to 2.10%.
Spaarrekening met voorwaarden· Instant access· via Raisin
Instant accessno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.10%▲▲ 0.20%: raised on 14 Sep 2026 from 1.90% to 2.10%.
1 year fixed · no early withdrawalwithholding 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
1 year fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €1,000,000
1 year fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.10%▲▲ 0.10%: raised on 2 Sep 2026 from 2.00% to 2.10%.
5 years fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
5 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.09%No change seen in the last 90 days.
2.18% rate2.09% 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
8 years fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
8 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.09%No change seen in the last 90 days.
2.25% rate2.09% 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
4 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €1,000,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.08%No change seen in the last 90 days.
2.15% rate2.08% 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.
4 years fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
4 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.06%No change seen in the last 90 days.
2.12% rate2.06% 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.
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
4 years fixed · early withdrawal with loss of interestno withholding taxAustria withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €500,000 · current account required
4 years fixed · early withdrawal with loss of interest
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
Instant accessno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.05%No change seen in the last 90 days.
2.03% rate2.05% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.03% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest.
2 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €1,000,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.03%No change seen in the last 90 days.
2.05% rate2.03% 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 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €250
3 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.03%▲▲ 0.15%: raised on 14 Sep 2026 from 1.86% to 2.01%.
Instant accessno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded quarterly · max. €100,000
Instant access
no withholding tax
Effective annual rate
2.03%▲▲ 0.21%: raised on 18 Sep 2026 from 1.80% to 2.01%.
3 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €500,000 · current account required
3 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.02%▲▲ 0.05%: raised on 2 Sep 2026 from 1.95% to 2.00%.
3 months fixed · no early withdrawalwithholding 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
3 months fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
2.02%No change seen in the last 90 days.
2.00% 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.
3 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
3 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.02%No change seen in the last 90 days.
2.00% rate2.02% 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.
6 months fixed · no early withdrawalwithholding 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
6 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.01%No change seen in the last 90 days.
2.00% 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.
6 months fixed · no early withdrawalwithholding 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
6 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
2.01%No change seen in the last 90 days.
2.00% 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.
6 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
6 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.01%No change seen in the last 90 days.
2.00% rate2.01% 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.
9 months fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
1 year fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €250,000 · current account required
1 year fixed · early withdrawal with loss of interest
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%.
1 year fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €1,000,000
1 year fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.00%▲▲ 0.30%: raised on 2 Sep 2026 from 1.70% to 2.00%.
1 year fixed · no early withdrawalwithholding 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
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €90,000
2 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
1 year fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
1 year fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €10,000 · max. €100,000
4 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €10,000 · max. €100,000
5 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €10,000 · max. €100,000
6 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €10,000 · max. €100,000
7 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €10,000 · max. €100,000
3 years fixed · early withdrawal with loss of interestno withholding taxAustria withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €500,000 · current account required
3 years fixed · early withdrawal with loss of interest
2 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
2 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €10,000 · max. €100,000
3 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €10,000 · max. €100,000
3 years fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
3 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
1.98%No change seen in the last 90 days.
2.02% rate1.98% 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.
2 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
2 years fixed · no early withdrawal
no withholding tax
Effective annual rate
1.98%No change seen in the last 90 days.
2.00% rate1.98% 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 years fixed · no early withdrawalwithholding 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
3 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
1.96%No change seen in the last 90 days.
2.00% 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.
3 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
1.96%No change seen in the last 90 days.
2.00% rate1.96% 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
3 years fixed · no early withdrawalwithholding 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
1.96%No change seen in the last 90 days.
2.00% 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.
3 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €1,000,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
1.96%No change seen in the last 90 days.
2.00% rate1.96% 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
6 months fixed · no early withdrawalno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €50,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.96%No change seen in the last 90 days.
1.95% rate1.96% 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.
9 months fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €1,000,000
9 months fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
1.95%▲▲ 0.20%: raised on 2 Sep 2026 from 1.75% to 1.95%.
4 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
4 years fixed · no early withdrawal
no withholding tax
Effective annual rate
1.94%No change seen in the last 90 days.
2.00% rate1.94% 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 only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
4 years fixed · no early withdrawalwithholding 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
4 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
1.94%No change seen in the last 90 days.
2.00% 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.
5 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
1.92%No change seen in the last 90 days.
2.00% rate1.92% 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
5 years fixed · no early withdrawalwithholding 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
5 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
1.92%No change seen in the last 90 days.
2.00% 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.
1 year fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded monthly · min. €500
1 year fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
1.92%▲▲ 0.05%: raised on 14 Sep 2026 from 1.85% to 1.90%.
3 months fixed · early withdrawal with loss of interestwithholding 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 · current account required
3 months fixed · early withdrawal with loss of interest
3 months fixed · no early withdrawalwithholding 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 months fixed · no early withdrawal
withholding tax 10%
Effective annual rate
1.91%No change seen in the last 90 days.
1.90% 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.
6 months fixed · early withdrawal with loss of interestwithholding 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 · current account required
6 months fixed · early withdrawal with loss of interest
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €85,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.91%No change seen in the last 90 days.
1.90% rate1.91% 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.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
1.91%No change seen in the last 90 days.
1.90% rate1.91% 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.
9 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
2 years fixed · no early withdrawalwithholding 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
2 years fixed · no early withdrawal
withholding tax 10%
Effective annual rate
1.90%No change seen in the last 90 days.
1.92% 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.
2 years fixed · early withdrawal with loss of interestno withholding taxAustria withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €500,000 · current account required
2 years fixed · early withdrawal with loss of interest
Instant accesswithholding 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
1 year fixed · early withdrawal with loss of interestwithholding 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 · current account required
1 year fixed · early withdrawal with loss of interest
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.
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.
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.
▲ 0.15
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.60% to 3.75%.
Rate over the last 90 days. Raised on 18 Sep 2026 from 3.20% 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
Rate over the last 90 days. Lowered on 16 Sep 2026 from 3.41% to 3.36%.
3.36% rate3.33% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.36% 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
Rate over the last 90 days. Lowered on 16 Sep 2026 from 3.41% to 3.36%.
3.36% rate3.31% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.36% 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
Rate over the last 90 days. Raised on 18 Sep 2026 from 3.20% to 3.30%.
3.30% rate3.25% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.30% 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
Rate 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. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.00% to 3.10%.
3.10% rate3.14% 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 compounded more often than yearly, so it earns interest on interest. More explanation
Rate 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. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.10% 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. More explanation
Rate 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. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.81% to 3.08%.
3.08% rate3.09% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.08% is the rate the bank advertises. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 17 Sep 2026 from 2.80% to 3.10%.
3.10% rate3.08% 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
Rate 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. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.02% to 3.05%.
3.05% rate3.06% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.05% is the rate the bank advertises. More explanation
Rate 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. More explanation
3.03% 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. The promotional rate applies for for as long as the bank offers the action (no end date stated) on at most €50,000; above that 2.50%. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.35% to 3.05%.
3.05% rate3.00% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.05% 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
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.80% 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. More explanation
Rate 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.85% to 3.10%.
3.10% rate2.92% 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
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.35% to 3.05%.
3.05% rate2.92% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.05% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.85% to 3.05%.
3.05% rate2.92% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.05% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.50% 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
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.86% to 2.87%.
2.87% rate2.89% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.87% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.81% to 2.88%.
2.88% rate2.89% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.88% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 2.70% to 2.85%.
2.85% rate2.89% 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. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.72% 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. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.15% to 2.85%.
2.85% rate2.87% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.70% 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. 2.85% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 2.65% to 2.80%.
2.80% rate2.84% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.80% is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.60% to 2.80%.
2.80% rate2.82% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.80% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.45% to 2.80%.
2.80% rate2.82% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.80% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.68% to 2.77%.
2.77% rate2.79% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.77% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.60% to 2.75%.
2.75% rate2.78% 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. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.65% to 2.75%.
2.75% rate2.78% 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. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 2.60% to 2.75%.
2.75% rate2.78% 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. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.66% to 2.76%.
2.76% rate2.78% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.76% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.50% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.70% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.45% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.50% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.50% to 2.75%.
2.75% rate2.76% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.55% to 2.75%.
2.75% rate2.76% 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
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.50% to 2.75%.
2.75% rate2.76% 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
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.20% to 2.75%.
2.75% rate2.76% 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
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.52% 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. 2.70% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.55% to 2.70%.
2.70% rate2.71% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.70% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.45% to 2.65%.
2.65% rate2.66% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.65% is the rate the bank advertises. More explanation
2.66% 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. The promotional rate applies for until 2027-03-31 on at most €50,000; after that 2.20%. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 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. 2.60% is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 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. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.40% 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. More explanation
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.45% 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. More explanation
promotional rate 6 months for new customers, then 2.10%
2.59% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.01% is the rate the bank advertises. The promotional rate applies for 6 months on at most €250,000; after that 2.10%. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.39% to 2.52%.
2.52% rate2.54% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.52% is the rate the bank advertises. More explanation
2.52% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.05% is the rate the bank advertises. The promotional rate applies for 3 months on at most €100,000; after that 2.35%. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.37% 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. 2.50% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.30% 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. 2.50% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.75% to 3.00%.
3.00% promopromotional rate 6 months for new customers, then 2.00%2.50% 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. The promotional rate applies for 6 months; after that 2.00%. More explanation
Rate 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. More explanation
€1,241
per year, annualised€308 total over 3 months
French scheme
Compagnie Générale De Crédit Aux Particuliers - CREDIPAR S.A.
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.36% 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. More explanation
promotional rate 6 months for new customers, then 1.80%
2.48% 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. The promotional rate applies for 6 months on at most €1,000,000; after that 1.80%. Above €300,000 you earn no interest. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Lowered on 14 Sep 2026 from 2.50% 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. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 15 Sep 2026 from 1.90% to 3.00%.
3.00% promopromotional rate 6 months for new customers, then 1.90%2.45% 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. The promotional rate applies for 6 months; after that 1.90%. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 2.55% to 3.00%.
3.00% promopromotional rate 6 months for new customers, then 1.85%2.42% 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. The promotional rate applies for 6 months on at most €50,000; after that 1.85%. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.25% to 2.40%.
2.40% rate2.42% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.30% to 2.40%.
2.40% rate2.42% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.25% to 2.40%.
2.40% rate2.42% 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
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.25% to 2.40%.
2.40% rate2.42% 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
Rate 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
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.18% 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. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.25% 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.20% 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. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.25% 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. Interest is compounded during the term and earns interest on interest. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.25% to 2.31%.
2.31% rate2.32% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.31% is the rate the bank advertises. More explanation
Rate 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
Rate 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. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 1.50% 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.10% to 2.26%.
2.26% rate2.27% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.26% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 18 Sep 2026 from 2.22% 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. Interest is compounded during the term and earns interest on interest. More explanation
€1,135
interest per year
French scheme
Compagnie Générale De Crédit Aux Particuliers - CREDIPAR S.A.
Rate over the last 90 days. Raised on 17 Sep 2026 from 2.20% 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. Interest is compounded during the term and earns interest on interest. More explanation
2.26% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.01% is the rate the bank advertises. The promotional rate applies for 6 months; after that 1.51%. Interest is compounded during the term and earns interest on interest. More explanation
Rate 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. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 2.20% to 2.25%.
2.25% rate2.26% 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
Rate over the last 90 days. Raised on 17 Sep 2026 from 2.02% to 2.27%.
2.27% rate2.24% 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. More explanation
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.15% to 2.20%.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.13% to 2.20%.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 1.80% to 2.20%.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.16% to 2.20%.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.15% to 2.20%.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.19% to 2.20%.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.15% to 2.20%.
2.20% rate2.22% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.20% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
2.17% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.30% is the rate the bank advertises. The promotional rate applies for 3 months; after that 1.80%. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.00% to 2.10%.
2.10% rate2.12% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.10% is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 1.95% to 2.10%.
2.10% rate2.11% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.10% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 1.86% to 2.01%.
2.01% rate2.03% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.01% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 18 Sep 2026 from 1.80% to 2.01%.
2.01% rate2.03% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.01% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 2 Sep 2026 from 1.95% to 2.00%.
2.00% rate2.02% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.00% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 1.85% to 1.90%.
1.90% rate1.92% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 1.90% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
Rate over the last 90 days. Raised on 18 Sep 2026 from 1.50% to 1.90%.
1.90% rate1.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 1.90% is the rate the bank advertises. Interest is compounded during the term and earns interest on interest. More explanation
1.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 1.90% is the rate the bank advertises. More explanation
1.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 1.90% is the rate the bank advertises. More explanation
