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EU ProtectedUpdated 30 August 2026

NIBC Direct

NIBC Direct Spaarrekening

Interest rate
1.44%APY
Access
Instant
Protection
€100k
Best for:High InterestDutch BankSimple
EU Deposit Guarantee
Protected up to €100,000

Dutch bank offering 1.45% with no strings attached. Simple online-only savings. Often overlooked but solid choice for rate-seekers.

Rates last verified: 13 August 2026

The verdict

What we like

  • 1.45% standard rate
  • Dutch bank with DNB supervision
  • No minimum deposit
  • Full €100k guarantee

What to consider

  • Online-only (no branches)
  • Less known brand
  • Basic online interface
  • No mobile app

Account details

Standard interest rate1.44% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
1.44%
annual interest

You'll need your BSN and valid ID

Quick facts

Provider
NIBC Direct
Access time
Instant
Protection
€100k guaranteed
Compare other accounts

Head to head

Compare NIBC Direct Spaarrekening

See how NIBC Direct Spaarrekening compares head-to-head with other savings accounts expats in the Netherlands consider.

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