Here is your monthly overview of savings account interest rates available in the Netherlands. We track 19 savings accounts from both Dutch and EU-based banks to help you find the best place for your money.
This month's highlights:
- Top rate: 2.10% (Flexibel Sparen (via Raisin) by Bigbank)
- Average rate across all accounts: 1.59%
- Number of accounts tracked: 19
All Savings Rates — July 2026
| Account | Provider | Interest Rate | Min. Deposit | Deposit Guarantee | Details |
|---|---|---|---|---|---|
| Flexibel Sparen (via Raisin) | Bigbank | 2.10% (promo: 2.85%) | None | Yes | Compare |
| Easy Savings | bunq | 2.01% | None | Yes | Compare |
| Cash Interest | Trade Republic | 2.00% | None | Yes | Compare |
| Scalable Capital Cash | Scalable Capital | 2.00% | None | Yes | Compare |
| FCM Bank Savings (via Raisin) | FCM Bank | 1.91% | None | Yes | Compare |
| Welcome Savings | Openbank | 1.90% (promo: 3.00%) | None | Yes | Compare |
| Spaarrekening | Ayvens Bank | 1.85% | None | Yes | Compare |
| Savings Vault | Revolut | 1.74% | None | Yes | Compare |
| Wise Interest | Wise | 1.72% | None | No | Compare |
| Klarna Savings | Klarna | 1.70% | None | Yes | Compare |
| Garanti BBVA Savings | Garanti BBVA | 1.55% (promo: 2.55%) | None | Yes | Compare |
| ABN AMRO Savings | ABN AMRO | 1.45% | None | Yes | Compare |
| BUUT Savings | BUUT (ABN AMRO) | 1.45% | None | Yes | Compare |
| NIBC Direct Spaarrekening | NIBC Direct | 1.44% | None | Yes | Compare |
| Rabo Spaargeld | Rabobank | 1.40% | None | Yes | Compare |
| ASN Sparen | ASN Bank | 1.30% | None | Yes | Compare |
| Oranje Spaarrekening | ING | 1.25% | None | Yes | Compare |
| Internet Sparen | Triodos Bank | 1.15% | None | Yes | Compare |
| Instant Savings | N26 | 0.30% | None | Yes | Compare |
Top Picks This Month
Best Flexible (Instant-Access) Accounts
- Flexibel Sparen (via Raisin) (Bigbank): 2.10% — Highest standard flexible rate available through Raisin platform at 2.10%. Estonian bank with EU deposit guarantee.
- Easy Savings (bunq): 2.01% — Dutch bank with tiered interest: 1.51% base rate, 2.01% bonus on savings above your threshold. Weekly payouts, excellent app, max 2 withdrawals/month.
- Cash Interest (Trade Republic): 2.00% — German broker offering 2.00% on uninvested cash up to €100,000. No fees, Dutch IBAN available, monthly interest payments.
Promotional Rates This Month
The following accounts are currently offering promotional rates:
- Flexibel Sparen (via Raisin) (Bigbank): 2.85% promo rate for 3 months, standard rate 2.10%
- Welcome Savings (Openbank): 3.00% promo rate for 3 months, standard rate 1.90%
- Garanti BBVA Savings (Garanti BBVA): 2.55% promo rate for 6 months, standard rate 1.55%
Remember that promotional rates are temporary. Check the standard rate before committing, and set a calendar reminder for when the promo expires.
How to Maximise Your Savings
- Do not leave savings in your current account earning 0%
- Consider spreading savings across multiple banks for rates and deposit guarantee coverage
- Read our guide on 5 ways to maximise your savings interest
- Understand the difference between fixed and flexible accounts
For a full interactive comparison with filtering and sorting, visit our savings account comparison page. Rates are updated regularly as banks adjust their offerings.