Openbank Welcome Savings

Best promotional rate in the Netherlands: 3.00% for 3 months on up to €1 million. After promo, standard rate of 1.90% which is still competitive.

Best for: Promo Bonus, High Interest, New Customers

Standard rate

2.25% a year, up to €300,000

Promotion

3.10% for 6 months, then 2.25%

Conditions

New customers: 3.10% for the first six months on up to €1,000,000 (code WELKOM). Then 2.25% on up to €300,000.

Above €300,000

0.00% · No interest on the part of the balance above €300,000 (after the welcome period). · Not re-confirmed since 5 October 2026.

Fixed terms and notice accounts from Openbank

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

Open Spaardeposito, 3 months

1.90% · Fixed for the term, from €1, no maximum. Leaving early is free, but then the deposit earns 0.20% for the time it ran. · Not re-confirmed since 5 October 2026.

Open Spaardeposito, 6 months

1.90% · Fixed for the term, from €1, no maximum. Leaving early is free, but then the deposit earns 0.20% for the time it ran. · Not re-confirmed since 5 October 2026.

Open Spaardeposito, 12 months

1.90% · Fixed for the term, from €1, no maximum. Leaving early is free, but then the deposit earns 0.20% for the time it ran. · Not re-confirmed since 5 October 2026.

Rates other than the standard rate checked on Openbank’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

€1,000,000

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 Spanish deposit guarantee fund (FGD).Not re-confirmed since 4 October 2026: check with the provider before you apply.

BSN

Not stated by Openbank.

Who can open it

Opening it also opens a free Openbank 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.