NIBC Direct
NIBC Direct Spaarrekening
Interest rate
1.5%APY
Access
Instant
Protection
€100k
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: 4 August 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
Head to head
Compare NIBC Direct Spaarrekening
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