The best savings account for €100,000 (October 2026)
With €100,000, Trade Republic pays the most now: €2,750.00 in the first year, on the Betaalrekening met rente. At ING you would get €1,025.00. That is €1,725.00 less in one year.
Interest on €100,000 in the first year
| # | Bank | Rate | Guarantee | Interest |
|---|---|---|---|---|
| 1 | Trade RepublicBetaalrekening met rente · Partner banks | 2.50%3.00% for new customers | Partner banks | €2,750.00 |
| 2 | OpenbankOpen Spaarrekening · Spanish | 2.25%3.10% welcome rate, 6 months | Spanish | €2,675.00 |
| 3 | Santander Consumer BankSpaarrekening · Spanish | 2.20%3.01% welcome rate, 6 months | Spanish | €2,605.00 |
| 4 | Yapı Kredi BankEuro-Plus Spaarrekening · Dutch | 1.80%3.30% welcome rate, 3 months | Dutch | €2,175.00 |
| 5 | DHB BankS@veOnlinerekening · Dutch | 1.85%3.00% welcome rate, 6 months | Dutch | €2,137.50 |
| 6 | bunqSpaarrekening · Dutch | 1.61%3.11% welcome rate, 2 months | Dutch | €1,785.00 |
| 7 | NIBCSpaarrekening · Dutch | 1.55% | Dutch | €1,550.00 |
| 8 | Lloyds BankInternet Spaarrekening · German | 1.50% | German | €1,500.00 |
| 9 | RabobankRabo SpaarRekening · Dutch | 1.60% | Dutch | €1,430.00 |
| 10 | ABN AMRODirect Sparen · Dutch | 1.25% | Dutch | €1,250.00 |
| 11 | KnabFlexibel Sparen · Dutch | 1.25% | Dutch | €1,250.00 |
| 12 | Nationale-Nederlanden (NN)Internetsparen · Dutch | 1.50% | Dutch | €1,245.00 |
| 13 | ASN BankASN Sparen · Dutch | 1.30% | Dutch | €1,225.00 |
| 14 | INGOranje Spaarrekening · Dutch | 1.25% | Dutch | €1,025.00 |
| 15 | Triodos BankInternet Sparen · Dutch | 1.15% | Dutch | €925.00 |
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 €100,000?
With €100,000, Trade Republic pays the most now: €2,750.00 in the first year, on the Betaalrekening met rente.
How much interest do I get on €100,000?
Between €925.00 and €2,750.00 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.