Best High-Interest Savings Accounts in the Netherlands
The highest standard rate we track is 2.6%, at Scalable Capital Cash. 12 of the 18 accounts we track pay interest; the lowest standard rate among them is 0.3%.
| # | Product | Interest p.a. | Why it ranks here |
|---|---|---|---|
| 1 | 1. Scalable Capital CashScalable Capital  | 2.6% | 2.60% interest · No minimum deposit · Instant access to your money |
| 2 | 2. Welcome SavingsOpenbank  | 2.25% | 3.10% as a promotion for 6 months, then 2.25% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (ES) |
| 3 | 3. Klarna SavingsKlarna  | 2.2% | 2.20% (up to 2.70% with Klarna Max) interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (SE) |
| 4 | 4. Cash InterestTrade Republic  | 2% | 3.00% as a promotion, then 2.00% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (EU) |
| 5 | 5. SpaarrekeningAyvens Bank | 1.85% | 1.85% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 6 | 6. Easy Savingsbunq  | 1.61% | 1.61%, or 3.01% as a bonus for new savers interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 7 | 7. Rabo SpaargeldRabobank  | 1.6% | 1.60% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 8 | 8. ASN SparenASN Bank  | 1.3% | 1.30% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 9 | 9. ABN AMRO SavingsABN AMRO  | 1.25% | 1.25% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 10 | 10. Savings VaultRevolut  | 1.25% | 1.25% (up to 2.50% with Revolut Ultra) interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (LT/DE) |
| 11 | 11. Internet SparenTriodos Bank  | 1.15% | 1.15% interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (NL) |
| 12 | 0.3% | 0.30% (up to 1.50% with N26 Metal) interest · No minimum deposit · Instant access to your money · Deposit guarantee up to €100,000 (DE) |
12 high-interest savings accounts, ranked on live data (2026). How we rank
How this ranking works
This ranking is rebuilt from provider data as rates change, so it reflects what banks pay now. It ranks on the standard rate, the one that lasts; promotions are shown but don’t decide the order.
- Ranked on the standard (non-promotional) interest rate; promos are shown but don’t decide rank
- Deposit guarantee and access terms shown for every account
- Rates tracked daily from provider and comparison sources
The top three, head to head
Questions
What is the highest savings rate in the Netherlands right now?
Scalable Capital Cash currently pays 2.60%, the highest standard rate we track. Rates are re-checked daily.
Why do foreign banks often pay more than Dutch banks?
Smaller banks from elsewhere in the EU, often reached through a platform such as Raisin, pay more to attract savers in the Netherlands. Their deposits are covered by their home country’s guarantee scheme, with the same €100,000 limit as the Dutch one.
Should I pick the promotional or the standard rate?
Rank on the standard rate — that’s what you earn after the promo window closes. A promo is a nice bonus only if the underlying rate is competitive; otherwise you’re signing up to re-shop your savings in a few months.