Best for:High InterestRate ChasersPromo Seekers
EU Deposit Guarantee
Protected up to €100,000
Amsterdam-headquartered bank (part of BBVA group) offering competitive savings rates directly to Dutch residents. Registered with DNB and covered by the Dutch deposit guarantee scheme.
Rates last verified: 27 February 2026
Rate breakdown
Promotional rate
2.8% APY
Duration
6 months
After promotional period
1.55% APY
The verdict
What we like
- +2.80% promotional rate for new customers
- +Amsterdam-based with Dutch banking licence
- +Full €100k Dutch deposit guarantee
- +No lock-up period
What to consider
- -Standard rate drops after promo period
- -Less known brand in Netherlands
- -Basic online interface
- -Rate may change
Account details
Standard interest rate1.55% APY
Promotional rate2.8% for 6 months
Minimum depositNone required
Maximum deposit€100,000
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Quick facts
Provider
Garanti BBVA International
Access time
Instant
Protection
€100k guaranteed