Ranked on live data · 2026

Best Instant-Access Savings Accounts in the Netherlands

An emergency fund is useless if it’s locked up. Every account here lets you withdraw without notice periods — ranked by what they pay while your money waits.

19 instant-access savings accounts, ranked

Top pick

Bigbank

Flexibel Sparen (via Raisin)

2.1%

interest p.a.

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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bunq

Easy Savings

2.01%

interest p.a.

2.01% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

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Scalable Capital

Scalable Capital Cash

interest p.a.

2% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

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Trade Republic

Cash Interest

interest p.a.

2% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

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FCM Bank

FCM Bank Savings (via Raisin)

1.91%

interest p.a.

1.91% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

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Openbank

Welcome Savings

1.9%

interest p.a.

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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Ayvens Bank

Spaarrekening

1.85%

interest p.a.

1.85% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

Revolut

Savings Vault

1.74%

interest p.a.

1.74% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

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Klarna

Klarna Savings

1.7%

interest p.a.

1.7% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

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Wise

Wise Interest

1.72%

interest p.a.

1.72% interest
No minimum deposit
Instant access to your money

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Garanti BBVA

Garanti BBVA Savings

1.55%

interest p.a.

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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NIBC Direct

NIBC Direct Spaarrekening

1.5%

interest p.a.

1.5% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

BUUT

BUUT (ABN AMRO)

BUUT Savings

1.45%

interest p.a.

1.45% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

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ABN AMRO

ABN AMRO Savings

1.45%

interest p.a.

1.45% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

Rabobank

Rabo Spaargeld

1.4%

interest p.a.

1.4% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

ASN Bank

ASN Sparen

1.3%

interest p.a.

1.3% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

ING

Oranje Spaarrekening

1.25%

interest p.a.

1.25% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

Triodos Bank

Internet Sparen

1.15%

interest p.a.

1.15% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

N26

Instant Savings

0.3%

interest p.a.

0.3% interest
No minimum deposit
Instant access to your money
Deposit guarantee up to €100,000

Affiliate link — we may earn a commission. Details

Still deciding?

Compare the top picks head to head

Flexibel Sparen (via Raisin) vs Easy Savings Flexibel Sparen (via Raisin) vs Scalable Capital Cash Easy Savings vs Scalable Capital Cash

How we picked

Zero withdrawal notice — your money is available immediately
Ranked on standard interest rate
Deposit guarantee status shown for every account

Read our full methodology →

Frequently asked

What does instant access mean for a savings account?

You can transfer money back to your current account without a notice period or penalty — usually same-day. It’s the right structure for an emergency fund.

Which instant-access account pays the most?

Flexibel Sparen (via Raisin) currently pays 2.85% for 3 months, then 2.1% with no withdrawal restrictions.

Do I sacrifice interest for instant access?

Less than you might think. Notice and term accounts pay somewhat more, but the best instant-access rates are usually within half a percentage point of them — a reasonable price for liquidity.

Different priorities?

More best-of rankings

Best High-Interest Savings Accounts in the Netherlands Best Savings Accounts With No Minimum Deposit Best Guaranteed Savings Accounts (€100,000 Deposit Protection)Best Credit Cards Without a BKR Check in the Netherlands

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