Rabo Spaargeld
by Rabobank
Interest rate
1.4%APY
Access
Instant
Protection
€100k
1.4
% APY
Best for:Rabobank CustomersTraditionalDutch Bank
EU Deposit Guarantee
Protected up to €100,000
One of the "Big 3" Dutch banks. Tiered rate: 1.70% on first €20k, then 1.40% up to €100k. Excellent for expats who want a traditional Dutch banking relationship.
Rates last verified: 12 April 2026
The verdict
What we like
- +Major Dutch bank (Big 3)
- +Strong English support
- +1.70% on first €20,000
- +Full €100k deposit guarantee
What to consider
- -Rate drops to 1.40% above €20k
- -Requires Rabobank current account
- -Traditional banking experience
- -Better rates available elsewhere
Account details
Standard interest rate1.4% APY
Minimum depositNone required
Maximum depositNo limit
Withdrawal accessInstant access
Deposit protection€100,000 EU guarantee
Earn up to
1.4%
annual interest
You'll need your BSN and valid ID
Quick facts
Provider
Rabobank
Access time
Instant
Protection
€100k guaranteed