EU ProtectedUpdated 26 June 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: 12 June 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

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