The best savings account for €10,000 (October 2026)
With €10,000, Trade Republic pays the most now: €300.00 in the first year, on the Betaalrekening met rente. At ING you would get €125.00. That is €175.00 less in one year.
Interest on €10,000 in the first year
| # | Bank | Rate | Interest |
|---|---|---|---|
| 1 | Trade RepublicBetaalrekening met rente | 2.50%3.00% for new customers | €300.00 |
| 2 | OpenbankOpen Spaarrekening | 2.25%3.10% welcome rate, 6 months | €267.50 |
| 3 | Santander Consumer BankSpaarrekening | 2.20%3.01% welcome rate, 6 months | €260.50 |
| 4 | DHB BankS@veOnlinerekening | 1.85%3.00% welcome rate, 6 months | €242.50 |
| 5 | Yapı Kredi BankEuro-Plus Spaarrekening | 1.80%3.30% welcome rate, 3 months | €217.50 |
| 6 | bunqSpaarrekening | 1.61%3.11% welcome rate, 2 months | €186.00 |
| 7 | RabobankRabo SpaarRekening | 1.60% | €160.00 |
| 8 | NIBCSpaarrekening | 1.55% | €155.00 |
| 9 | Lloyds BankInternet Spaarrekening | 1.50% | €150.00 |
| 10 | Nationale-Nederlanden (NN)Internetsparen | 1.50% | €150.00 |
| 11 | ASN BankASN Sparen | 1.30% | €130.00 |
| 12 | ABN AMRODirect Sparen | 1.25% | €125.00 |
| 13 | INGOranje Spaarrekening | 1.25% | €125.00 |
| 14 | KnabFlexibel Sparen | 1.25% | €125.00 |
| 15 | Triodos BankInternet Sparen | 1.15% | €115.00 |
Only easy-access accounts: you can take your money out at any time. Welcome rates count for the months you get them. One account per bank: the one that pays the most.
What to look out for
- Many banks pay a lower rate above a certain amount. The list counts this: each part of your balance gets the rate of its own band.
- A welcome rate counts only for the months you get it. After that you get the normal rate.
Frequently asked questions
Which bank pays the most interest on €10,000?
With €10,000, Trade Republic pays the most now: €300.00 in the first year, on the Betaalrekening met rente.
How much interest do I get on €10,000?
Between €115.00 and €300.00 in the first year, depending on the bank. In the Netherlands the bank pays you the full amount: tax is on your wealth, not on the interest.
Are my savings safe?
Yes, up to € 100,000 per person per bank. Every bank on this page is covered by a deposit guarantee scheme. If a bank fails, the scheme pays your savings back up to that amount.