NIBC Direct Spaarrekening

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

Best for: High Interest, Dutch Bank, Simple

Standard rate

1.44% a year

Fixed terms and notice accounts from NIBC Direct

Separate products: more interest for money you can’t take out when you want.

NIBC Kwartaalspaarrekening

1.60% · 1.20% base plus a 0.40% bonus on money that stays on the account for a full calendar quarter (1.60% in total). Withdrawals are free at any time; money taken out earns only the base rate that quarter. · Not re-confirmed since 5 October 2026.

NIBC Termijndeposito, 3 months

2.01% · Fixed for the term whatever the amount, from €250. Needs a NIBC Spaarrekening or Kwartaalspaarrekening. · Not re-confirmed since 5 October 2026.

NIBC Termijndeposito, 6 months

2.26% · Fixed for the term whatever the amount, from €250. Needs a NIBC Spaarrekening or Kwartaalspaarrekening. · Not re-confirmed since 5 October 2026.

NIBC Termijndeposito, 9 months

2.31% · Fixed for the term whatever the amount, from €250. Needs a NIBC Spaarrekening or Kwartaalspaarrekening. · Not re-confirmed since 5 October 2026.

NIBC Termijndeposito, 12 months

2.56% · Fixed for the term whatever the amount, from €250. Needs a NIBC Spaarrekening or Kwartaalspaarrekening. · Not re-confirmed since 5 October 2026.

NIBC Termijndeposito, 2 years

2.61% · Fixed for the term whatever the amount, from €250. Needs a NIBC Spaarrekening or Kwartaalspaarrekening. · Not re-confirmed since 5 October 2026.

NIBC Termijndeposito, 3 to 9 years

2.71% · Fixed for the term whatever the amount, from €250. Needs a NIBC Spaarrekening or Kwartaalspaarrekening. · Not re-confirmed since 5 October 2026.

NIBC Termijndeposito, 10 years

3.11% · Fixed for the term whatever the amount, from €250. Needs a NIBC Spaarrekening or Kwartaalspaarrekening. · Not re-confirmed since 5 October 2026.

Rates other than the standard rate checked on NIBC Direct’s own pages on 5 October 2026: source 1, source 2. They change often; check the provider before you open an account.

Minimum deposit

None required

Maximum deposit

No limit

Withdrawal access

Instant accessNot re-confirmed since 4 October 2026: check with the provider before you apply.

What it is

savings accountNot re-confirmed since 4 October 2026: check with the provider before you apply.

Deposit protection

Up to €100,000 per person per bank, under the Dutch deposit guarantee scheme (De Nederlandsche Bank).Not re-confirmed since 4 October 2026: check with the provider before you apply.

BSN

RequiredNot re-confirmed since 4 October 2026: check with the provider before you apply.

Who can open it

Live in the Netherlands, 18 or older, a passport or ID card (no driving licence) and a Dutch current account.Not re-confirmed since 4 October 2026: check with the provider before you apply.

The deposit guarantee follows the bank’s licence, not where you live: up to €100,000 per person per bank, under the scheme of the country that licensed it.