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EU ProtectedUpdated 12 April 2026

NIBC Direct Spaarrekening

by NIBC Direct

Interest rate
1.5%APY
Access
Instant
Protection
€100k
1.5
% APY
Best for:High InterestDutch BankSimple
EU Deposit Guarantee
Protected up to €100,000

Dutch bank offering 1.45% with no strings attached. Simple online-only savings. Often overlooked but solid choice for rate-seekers.

Rates last verified: 2 March 2026

The verdict

What we like

  • +1.45% standard rate
  • +Dutch bank with DNB supervision
  • +No minimum deposit
  • +Full €100k guarantee

What to consider

  • -Online-only (no branches)
  • -Less known brand
  • -Basic online interface
  • -No mobile app

Account details

Standard interest rate1.5% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
1.5%
annual interest

You'll need your BSN and valid ID

Quick facts

Provider
NIBC Direct
Access time
Instant
Protection
€100k guaranteed
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