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: 30 August 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
Head to head
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