Top pick
- 2.85% for 3 months, then 2.1% interest
- No minimum deposit
- Instant access to your money
- Deposit guarantee up to €100,000
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Ranked on live data · 2026
Best High-Interest Savings Accounts in the Netherlands
Rates move constantly — the gap between the best and worst savings rate in the Netherlands is regularly more than two percentage points, which is real money on any meaningful balance. This ranking is rebuilt from provider data as rates change, so it reflects what banks actually pay right now.
19 high-interest savings accounts, ranked
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- 3% for 3 months, then 1.9% interest
- No minimum deposit
- Instant access to your money
- Deposit guarantee up to €100,000
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Affiliate link — we may earn a commission. Details
Affiliate link — we may earn a commission. Details
Affiliate link — we may earn a commission. Details
- 2.55% for 6 months, then 1.55% interest
- No minimum deposit
- Instant access to your money
- Deposit guarantee up to €100,000
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Affiliate link — we may earn a commission. Details
Affiliate link — we may earn a commission. Details
Still deciding?
Compare the top picks head to head
How we picked
- 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
Frequently asked
What is the highest savings rate in the Netherlands right now?
Flexibel Sparen (via Raisin) currently pays 2.85% for 3 months, then 2.1%, the top standard rate in our tracked set. Rates are re-checked daily.
Why do foreign banks often pay more than Dutch banks?
Banks from elsewhere in the EU use higher rates to attract Dutch deposits, while the big Dutch banks rely on customer inertia. EU accounts still carry a national deposit guarantee up to €100,000, equivalent to the Dutch scheme.
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.