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Ranked on live data · 2026

Best Savings Accounts With No Minimum Deposit

Some banks want €500 or more before you can open a savings account. Every account here starts from €0 — start saving with whatever you have, and let the rate do the rest.

19 savings accounts with no minimum deposit, 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
13
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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14
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
15
Rabobank logo

Rabobank

Rabo Spaargeld

  • 1.4% interest
  • No minimum deposit
  • Instant access to your money
  • Deposit guarantee up to €100,000
16
ASN Bank logo

ASN Bank

ASN Sparen

  • 1.3% interest
  • No minimum deposit
  • Instant access to your money
  • Deposit guarantee up to €100,000
18
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

  • No minimum deposit to open or to earn the stated rate
  • Ranked on standard interest rate
  • Access terms and deposit guarantee shown for every account
Read our full methodology →

Frequently asked

Why do some savings accounts have minimum deposits?

Minimums filter out small accounts that cost banks more to service than they earn. Digital-first banks have lower servicing costs, which is why most no-minimum accounts come from them.

Which no-minimum account pays the best rate?

Flexibel Sparen (via Raisin) leads at 2.85% for 3 months, then 2.1%, with no minimum deposit required.

Is a no-minimum account good for students?

Yes — combined with instant access, it’s usually the most practical structure for a first Dutch savings account: no barrier to entry and no penalty for small balances.

Different priorities?

More best-of rankings

Best High-Interest Savings Accounts in the NetherlandsBest Instant-Access Savings Accounts in the NetherlandsBest Guaranteed Savings Accounts (€100,000 Deposit Protection)Best Credit Cards Without a BKR Check in the Netherlands
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