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Ranked on live data · 2026

Best Guaranteed Savings Accounts (€100,000 Deposit Protection)

Every account in this ranking is covered by a national deposit guarantee scheme — Dutch (DGS) or another EU equivalent — protecting up to €100,000 per person per bank if the bank fails. Within that safety net, they’re ranked purely on what they pay.

18 savings accounts with a deposit guarantee, ranked

6
Openbank logo

Openbank

Welcome Savings

  • 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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7
Ayvens Bank logo

Ayvens Bank

Spaarrekening

  • 1.85% interest
  • No minimum deposit
  • Instant access to your money
  • Deposit guarantee up to €100,000
12
BUUT

BUUT (ABN AMRO)

BUUT Savings

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

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13
ABN AMRO logo

ABN AMRO

ABN AMRO Savings

  • 1.45% interest
  • No minimum deposit
  • Instant access to your money
  • Deposit guarantee up to €100,000
14
Rabobank logo

Rabobank

Rabo Spaargeld

  • 1.4% interest
  • No minimum deposit
  • Instant access to your money
  • Deposit guarantee up to €100,000
15
ASN Bank logo

ASN Bank

ASN Sparen

  • 1.3% interest
  • No minimum deposit
  • Instant access to your money
  • Deposit guarantee up to €100,000
17
Triodos Bank logo

Triodos Bank

Internet Sparen

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

Still deciding?

Compare the top picks head to head

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

How we picked

  • Covered by the Dutch DGS or an equivalent EU national scheme (€100,000 per person per bank)
  • Ranked on standard interest rate
  • Access terms and minimum deposits shown for every account
Read our full methodology →

Frequently asked

How does the deposit guarantee work for expats?

The guarantee follows the bank’s license, not your nationality or residency. If a Dutch-licensed bank fails, DNB repays up to €100,000 per person within days; EU banks are covered by their home country’s equivalent scheme.

Is €100,000 protection per account or per bank?

Per person, per banking license. Two accounts at the same bank share one €100,000 limit; accounts at two different banks are protected separately. Savers with more than €100,000 typically split across banks.

Which guaranteed account currently pays the most?

Flexibel Sparen (via Raisin) tops the list at 2.85% for 3 months, then 2.1%, with full deposit protection.

Different priorities?

More best-of rankings

Best High-Interest Savings Accounts in the NetherlandsBest Instant-Access Savings Accounts in the NetherlandsBest Savings Accounts With No Minimum DepositBest Credit Cards Without a BKR Check in the Netherlands
Browse all savings accountsOr take the 4-question quiz