Savings accounts for expats in the Netherlands
All 18 accounts we track, highest rate first; the best standard rate is 2.60% at Scalable Capital Cash. 15 are covered by a deposit guarantee of up to €100,000 per person per bank; the Guarantee column shows the scheme and any conditions.
18 accounts
| Guarantee | |||
|---|---|---|---|
Welcome SavingsOpenbank  | 3.10%promo for 6 months, then 2.25% | Instant | €100,000ESnot re-confirmed |
Easy Savingsbunq  | 3.01%bonus for new savers; base 1.61% | Instant | €100,000NLnot re-confirmed |
Cash InterestTrade Republic  | 3.00%promo, then 2.00% | Instant | €100,000EUnot re-confirmed |
Scalable Capital CashScalable Capital  | 2.60%fixed terms up to 3.00% | Instant | Dependssee conditionsnot re-confirmed |
Klarna SavingsKlarna  | 2.20%up to 2.70% with Klarna Max (€44.99/mo) | Instant | CoveredSEnot re-confirmed |
SpaarrekeningAyvens Bank | 1.85%fixed terms up to 3.10% | Instant | €100,000NLnot re-confirmed |
Rabo SpaargeldRabobank  | 1.60%up to €10,000, then 1.50% | Instant | €100,000NLnot re-confirmed |
ASN SparenASN Bank  | 1.30%up to €25,000, then 1.20% | Instant | €100,000NLnot re-confirmed |
ABN AMRO SavingsABN AMRO  | 1.25%up to €500,000, then 1.45% | Instant | €100,000NLnot re-confirmed |
Savings VaultRevolut  | 1.25%up to 2.50% with Revolut Ultra (€65.00/mo) | Instant | €100,000LT/DEnot re-confirmed |
Internet SparenTriodos Bank  | 1.15%up to €10,000, then 0.90% | Instant | €100,000NLnot re-confirmed |
| 0.30%up to 1.50% with N26 Metal (€16.90/mo) | Instant | €100,000DEnot re-confirmed | |
Flexibel Sparen (via Raisin)Bigbank  | 2.85%promo for 3 months, then 2.10% | Instant | €100,000EEnot re-confirmed |
Garanti BBVA SavingsGaranti BBVA · type not verified | 2.55%promo for 6 months, then 1.55% | Instant | Not verified |
FCM Bank Savings (via Raisin)FCM Bank  | 1.91% | Instant | €100,000MTnot re-confirmed |
BUUT SavingsBUUT (ABN AMRO) · type not verified | 1.45% | Instant | Not verified |
NIBC Direct SpaarrekeningNIBC Direct  | 1.44%fixed terms up to 3.11% | Instant | €100,000NLnot re-confirmed |
| 1.25%up to 2.25% with ING Max (€44.99/mo) | Instant | €100,000NLnot re-confirmed |
Last rate check 1 November 2026. Rates are per year. Where a promotional rate runs, the table shows it with the rate that follows.
Not a savings account
Wise Interest is a money market fund: your money is invested in a fund, not held as a bank deposit. No deposit guarantee applies and the value can fall. That is why it is not in the table above or in our savings rankings.
| Account | Interest | Access | Guarantee |
|---|---|---|---|
Wise InterestWise · money market fund, not a savings account  | 1.57%promo, then 1.72% | Instant | Not coverednot re-confirmed |
Tax and protection
In the Netherlands, savings interest is not directly taxed. Instead, box 3 taxes a deemed return on your savings and investments above €59,357 per person (2026), explained in the box 3 guide. Bank deposits are protected up to €100,000 per person per bank by the scheme of the country that licensed the bank; the Guarantee column shows the scheme for each account, and where cover depends on how the money is held.
Ranked for one need
The same live data, ranked around a single requirement.
- Current Dutch savings rates — live overview
- Best High-Interest Savings Accounts in the Netherlands
- Best Instant-Access Savings Accounts in the Netherlands
- Savings Accounts With No Minimum Deposit in the Netherlands
- Best Savings Accounts With a €100,000 Deposit Guarantee
- Best Fixed-Term Deposit Rates in the Netherlands
Common head-to-heads
Two accounts side by side, on every figure we track.
Questions about savings accounts
Can expats open a savings account in the Netherlands?
Yes. Dutch banks such as ING, ABN AMRO and Rabobank, digital banks such as bunq, and platforms such as Raisin that give access to other EU banks all accept people who moved here. You need valid ID and usually a BSN; some banks give you 90 days to add it.
Is my money protected in a Dutch savings account?
Bank deposits are: up to €100,000 per person per bank, under the scheme of the country that licensed the bank, Dutch or another EU country. Check the Guarantee column for each account; where cover depends on how the provider holds the money, it says so. Money market funds, such as Wise Interest, are not deposits and are not covered.
Should I choose the highest interest rate?
Not on its own. Check whether the rate is a promotion and what it drops to, how quickly you can get your money out, and whether the deposit guarantee applies.
What are promotional savings rates?
A higher rate for new money for a fixed period, after which the standard rate applies. Right now 3 accounts run one, for 3 to 6 months: Garanti BBVA Savings, Bigbank Flexibel Sparen (via Raisin) and Openbank Welcome Savings. The table shows each promotion with the rate that follows it.
Do I pay tax on savings interest in the Netherlands?
Not on the interest itself. Savings fall under box 3: you pay tax on a deemed return on your savings and investments above the tax-free allowance (€59,357 per person in 2026), as part of your annual tax return.
What about fintechs like Trade Republic or Revolut?
Both hold EU banking licences: Trade Republic in Germany, Revolut in Lithuania. Money held with them as a bank deposit is covered by that country’s deposit guarantee scheme rather than the Dutch one, with the same €100,000 limit. The Guarantee column shows it per account.