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.
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
Quick facts
Provider
Openbank
Access time
Instant
Protection
€100k guaranteed