Best Savings Accounts With a €100,000 Deposit Guarantee
11 of the 18 savings accounts we track are covered by a deposit guarantee scheme. Openbank Welcome Savings ranks first, at 3.10% as a promotion for 6 months, then 2.25%.
| # | Product | Interest p.a. | Why it ranks here |
|---|---|---|---|
| 1 | 1. 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) |
| 2 | 2. 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) |
| 3 | 3. 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) |
| 4 | 4. SpaarrekeningAyvens Bank | 1.85% | 1.85% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 5 | 5. 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) |
| 6 | 6. Rabo SpaargeldRabobank  | 1.6% | 1.60% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 7 | 7. ASN SparenASN Bank  | 1.3% | 1.30% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 8 | 8. ABN AMRO SavingsABN AMRO  | 1.25% | 1.25% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 9 | 9. 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) |
| 10 | 10. Internet SparenTriodos Bank  | 1.15% | 1.15% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 11 | 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) |
11 savings accounts with a deposit guarantee, ranked on live data (2026). How we rank
How this ranking works
Every account in this ranking is covered by a national deposit guarantee scheme — Dutch (DGS) or another EU equivalent — protecting up to €100,000 per person per bank if the bank fails. Within that safety net, they’re ranked purely on what they pay.
- Covered by the Dutch DGS or an equivalent EU national scheme (€100,000 per person per bank)
- Ranked on standard interest rate
- Access terms and minimum deposits shown for every account
The top three, head to head
Questions
How does the deposit guarantee work for expats?
The guarantee follows the bank’s license, not your nationality or residency. If a Dutch-licensed bank fails, DNB repays up to €100,000 per person within days; EU banks are covered by their home country’s equivalent scheme.
Is €100,000 protection per account or per bank?
Per person, per banking license. Two accounts at the same bank share one €100,000 limit; accounts at two different banks are protected separately. Savers with more than €100,000 typically split across banks.
Which guaranteed account ranks highest?
Openbank Welcome Savings, at 3.10% as a promotion for 6 months, then 2.25%, covered up to €100,000.