EU ProtectedUpdated 29 June 2026

Rabobank

Rabo Spaargeld

Interest rate

1.4%APY

Access

Instant

Protection

€100k

Best for:Rabobank CustomersTraditionalDutch Bank

EU Deposit Guarantee

Protected up to €100,000

One of the "Big 3" Dutch banks. Tiered rate: 1.70% on first €20k, then 1.40% up to €100k. Excellent for expats who want a traditional Dutch banking relationship.

Rates last verified: 29 June 2026

The verdict

What we like

Major Dutch bank (Big 3)
Strong English support
1.70% on first €20,000
Full €100k deposit guarantee

What to consider

Rate drops to 1.40% above €20k
Requires Rabobank current account
Traditional banking experience
Better rates available elsewhere

Account details

Standard interest rate1.4% APY

Minimum depositNone required

Maximum depositNo limit

Withdrawal accessInstant access

Deposit protection€100,000 EU guarantee

Earn up to

1.4%

annual interest

You'll need your BSN and valid ID

Quick facts

Provider

Rabobank

Access time

Instant

Protection

€100k guaranteed

Compare other accounts

Keep exploring

Other accounts to consider

NIBC Direct

NIBC Direct Spaarrekening

1.44%

interest

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

Base rate

1.44%

Access

Instant

Min deposit

None

Guaranteed

€100k

2.55% promo rate for 6 months

Garanti BBVA

Garanti BBVA Savings

2.55%

interest

Dutch-registered bank (part of BBVA group) offering 1.55% standard rate with a 2.55% promo for the first 6 months. Solid option with DNB supervision.

Base rate

1.55%

Access

Instant

Min deposit

None

Guaranteed

€100k

ABN AMRO

ABN AMRO Savings

1.45%

interest

Major Dutch bank with excellent English support. Rate is up to 1.45% on Direct Sparen. You get reliability and easy integration if you bank with ABN.

Base rate

1.45%

Access

Instant

Min deposit

None

Guaranteed

€100k

View all savings accounts