Best Instant-Access Savings Accounts in the Netherlands
12 of the 18 savings accounts we track let you withdraw without notice. Scalable Capital Cash ranks first, at 2.60%.
| # | Product | Interest p.a. | Why it ranks here |
|---|---|---|---|
| 1 | 1. Scalable Capital CashScalable Capital  | 2.6% | 2.60% interest · No minimum deposit · Instant access to your money |
| 2 | 2. Welcome SavingsOpenbank  | 2.25% | 3.10% as a promotion for 6 months, then 2.25% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (ES) |
| 3 | 3. Klarna SavingsKlarna  | 2.2% | 2.20% (up to 2.70% with Klarna Max) interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (SE) |
| 4 | 4. Cash InterestTrade Republic  | 2% | 3.00% as a promotion, then 2.00% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (EU) |
| 5 | 5. SpaarrekeningAyvens Bank | 1.85% | 1.85% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 6 | 6. Easy Savingsbunq  | 1.61% | 1.61%, or 3.01% as a bonus for new savers interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 7 | 7. Rabo SpaargeldRabobank  | 1.6% | 1.60% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 8 | 8. ASN SparenASN Bank  | 1.3% | 1.30% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 9 | 9. ABN AMRO SavingsABN AMRO  | 1.25% | 1.25% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 10 | 10. Savings VaultRevolut  | 1.25% | 1.25% (up to 2.50% with Revolut Ultra) interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (LT/DE) |
| 11 | 11. Internet SparenTriodos Bank  | 1.15% | 1.15% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 12 | 0.3% | 0.30% (up to 1.50% with N26 Metal) interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (DE) |
12 instant-access savings accounts, ranked on live data (2026). How we rank
How this ranking works
An emergency fund is useless if it’s locked up. Every account here lets you withdraw without notice periods — ranked by what they pay while your money waits.
- Zero withdrawal notice — your money is available immediately
- Ranked on standard interest rate
- Deposit guarantee status shown for every account
The top three, head to head
Questions
What does instant access mean for a savings account?
You can move money back to your current account without a notice period or penalty, which is what an emergency fund needs.
Which instant-access account ranks highest?
Scalable Capital Cash, at 2.60% with no notice period.
Is instant access safe for an emergency fund?
Access and safety are separate questions. Check the deposit guarantee column: covered accounts are protected up to €100,000 per person per banking licence.