Skip to content
Trade Republic logo
EU ProtectedUpdated 26 April 2026

Cash Interest

by Trade Republic

Interest rate
2%APY
Access
Instant
Protection
€100k
2
% APY
Best for:High InterestNo FeesDigital
EU Deposit Guarantee
Protected up to €100,000

German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.

Rates last verified: 26 April 2026

The verdict

What we like

  • +2.00% interest (matches ECB rate)
  • +No account fees
  • +Dutch IBAN available
  • +Monthly interest payments

What to consider

  • -Primarily an investment platform
  • -German bank (not Dutch)
  • -Rate follows ECB (will drop when ECB cuts)
  • -Less established than traditional banks

Account details

Standard interest rate2% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
2%
annual interest

You'll need your BSN and valid ID

Quick facts

Provider
Trade Republic
Access time
Instant
Protection
€100k guaranteed
Compare other accounts

Other savings accounts to consider

Spaarrekening

Ayvens Bank

1.85%
interest

Formerly LeasePlan Bank. Dutch-registered bank offering 1.85% with full €100k guarantee. Solid, boring option.

Base rate
1.85%
Access
Instant
Min deposit
None
Guaranteed
€100k

Internet Sparen

Triodos Bank

1.15%
interest

Sustainable bank investing only in ethical projects. Lower rate (1.15%) is the trade-off for knowing your money funds positive impact.

Base rate
1.15%
Access
Instant
Min deposit
None
Guaranteed
€100k
3% promo rate for 3 months

Welcome Savings

Openbank

3%
interest

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.

Base rate
1.9%
Access
Instant
Min deposit
None
Guaranteed
€100k
View all savings accounts