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Promo rate availableEU ProtectedUpdated 27 February 2026

Welcome Savings

by Openbank

Interest rate
3%APY
After 3mo
1.9%
Access
Instant
Protection
€100k
3
% APY
Best for:Promo BonusHigh InterestNew Customers
EU Deposit Guarantee
Protected up to €100,000

Best promotional rate in the Netherlands: 3.00% for 3 months on up to €1 million. After promo, standard rate of 1.90% which is still competitive.

Rates last verified: 27 February 2026

Rate breakdown

Promotional rate
3% APY
Duration
3 months
After promotional period
1.9% APY

The verdict

What we like

  • +3.00% welcome rate for 3 months
  • +No minimum deposit
  • +Up to €1 million covered
  • +EU deposit guarantee (Spain)

What to consider

  • -Rate drops to 1.90% after promo
  • -Spanish bank (Santander subsidiary)
  • -Customer service can be slow
  • -App not as polished as Dutch banks

Account details

Standard interest rate1.9% APY
Promotional rate3% for 3 months
Minimum depositNone required
Maximum deposit€1,000,000
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
3%
annual interest

You'll need your BSN and valid ID

Quick facts

Provider
Openbank
Access time
Instant
Protection
€100k guaranteed
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