The best savings account for couples (October 2026)
At these banks you can open a savings account together, as a joint account. With €50,000, Santander Consumer Bank pays the most now: €1,302.50 in the first year, on the Spaarrekening.
Interest on €50,000 in the first year
| # | Bank | Rate | Joint account | Interest |
|---|---|---|---|---|
| 1 | Santander Consumer BankSpaarrekening · Yes | 2.20%3.01% welcome rate, 6 months | Yes | €1,302.50 |
| 2 | DHB BankS@veOnlinerekening · Yes | 1.85%3.00% welcome rate, 6 months | Yes | €1,212.50 |
| 3 | bunqSpaarrekening · Yes | 1.61%3.11% welcome rate, 2 months | Yes | €896.67 |
| 4 | NIBCSpaarrekening · Yes | 1.55% | Yes | €775.00 |
| 5 | RabobankRabo SpaarRekening · Yes | 1.60% | Yes | €730.00 |
| 6 | Nationale-Nederlanden (NN)Internetsparen · Yes | 1.50% | Yes | €645.00 |
| 7 | ABN AMRODirect Sparen · Yes | 1.25% | Yes | €625.00 |
| 8 | ASN BankASN Sparen · Yes | 1.30% | Yes | €625.00 |
| 9 | KnabFlexibel Sparen · Yes | 1.25% | Yes | €625.00 |
| 10 | INGOranje Spaarrekening · Yes | 1.25% | Yes | €525.00 |
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.
Good to know when you save together
- On a joint account the deposit guarantee covers € 100,000 per account holder. For two people that is € 200,000 at one bank.
- Each of you can usually use the money on its own. Agree with each other how you use it.
- Fiscal partners can divide their savings between them in box 3 as they choose.
Frequently asked questions
Which bank has the best joint savings account?
With €50,000, Santander Consumer Bank pays the most now: €1,302.50 in the first year, on the Spaarrekening.
How much of a joint account is protected?
The deposit guarantee covers € 100,000 per person per bank. On a joint account of two people, that is € 200,000 together, if neither of you has other savings at that bank.
Do we need a joint current account too?
Not always. Some banks link the savings account to a current account in one of your names. Check this with the bank.
We check facts such as a joint account or an English app by hand, on the banks’ own websites. Last checked on 27 October 2026. Banks can change them, so check with the bank before you open an account.