Rabo Spaargeld

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.

Best for: Rabobank Customers, Traditional, Dutch Bank

Standard rate

1.60% a year, up to €10,000

€10,000 to €20,000

1.50% · On the part of the balance from €10,000 to €20,000. · Not re-confirmed since 5 October 2026.

€20,000 to €100,000

1.40% · On the part of the balance from €20,000 to €100,000. · Not re-confirmed since 5 October 2026.

€100,000 to €5,000,000

1.30% · On the part of the balance from €100,000 to €5,000,000. · Not re-confirmed since 5 October 2026.

Above €5,000,000

0.00% · No interest above €5,000,000. · Not re-confirmed since 5 October 2026.

Fixed terms and notice accounts from Rabobank

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

Rabo TijdslotSparen

2.00% · Variable, up to €5,000,000. Every withdrawal must be planned at least 90 days ahead (exceptions such as unemployment, not buying a house). Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo Deposito, 6 to 11 months

1.70% · Fixed for the term, one deposit of €5,000 to €249,999 online (more by phone), no top-ups, no early withdrawal. · Not re-confirmed since 5 October 2026.

Rabo Deposito, 12 months

1.85% · Fixed for the term, one deposit of €5,000 to €249,999 online (more by phone), no top-ups, no early withdrawal. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, under 1 year to your end date

1.60% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 1 to 2 years to your end date

1.85% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 2 to 3 years to your end date

2.25% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 3 to 4 years to your end date

2.35% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 4 to 5 years to your end date

2.50% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 5 to 6 years to your end date

2.70% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 6 to 7 years to your end date

2.75% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 7 to 8 years to your end date

2.75% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 8 to 9 years to your end date

2.80% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 9 to 10 years to your end date

2.85% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 10 to 15 years to your end date

3.00% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 15 to 20 years to your end date

3.15% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rabo DoelSparen, 20 years to your end date

3.20% · Goal saving: each deposit gets a fixed rate set by the time left until the end date you choose (1 to 20 years). Early withdrawal usually costs a fee. Needs a paid Rabobank payment package. · Not re-confirmed since 5 October 2026.

Rates other than the standard rate checked on Rabobank’s own pages on 5 October 2026: source 1, source 2, source 3, source 4. 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

Not stated by Rabobank.

Who can open it

No Rabobank current account needed: a Dutch account at another bank can be the linked 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.