The best savings account at a Dutch bank (October 2026)
These banks have a Dutch banking licence. Your savings are protected by the Dutch deposit guarantee scheme. With €25,000, DHB Bank pays the most now: €606.25 in the first year, on the S@veOnlinerekening.
Interest on €25,000 in the first year
| # | Bank | Rate | Guarantee | Interest |
|---|---|---|---|---|
| 1 | DHB BankS@veOnlinerekening · Dutch | 1.85%3.00% welcome rate, 6 months | Dutch | €606.25 |
| 2 | Yapı Kredi BankEuro-Plus Spaarrekening · Dutch | 1.80%3.30% welcome rate, 3 months | Dutch | €543.75 |
| 3 | bunqSpaarrekening · Dutch | 1.61%3.11% welcome rate, 2 months | Dutch | €452.50 |
| 4 | NIBCSpaarrekening · Dutch | 1.55% | Dutch | €387.50 |
| 5 | RabobankRabo SpaarRekening · Dutch | 1.60% | Dutch | €380.00 |
| 6 | Nationale-Nederlanden (NN)Internetsparen · Dutch | 1.50% | Dutch | €345.00 |
| 7 | ASN BankASN Sparen · Dutch | 1.30% | Dutch | €325.00 |
| 8 | ABN AMRODirect Sparen · Dutch | 1.25% | Dutch | €312.50 |
| 9 | KnabFlexibel Sparen · Dutch | 1.25% | Dutch | €312.50 |
| 10 | INGOranje Spaarrekening · Dutch | 1.25% | Dutch | €275.00 |
| 11 | Triodos BankInternet Sparen · Dutch | 1.15% | Dutch | €250.00 |
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.
Dutch or foreign bank?
- The Dutch scheme protects € 100,000 per person per bank. Foreign banks in the EU are protected by the scheme of their own country, for the same amount.
- With a Dutch bank, you deal with De Nederlandsche Bank (DNB) if the bank fails. With a foreign bank, you deal with the scheme of that country.
- Some Dutch brands are part of the same bank. Then the € 100,000 is for all of them together.
Frequently asked questions
Which Dutch bank pays the highest savings rate?
With €25,000, DHB Bank pays the most now: €606.25 in the first year, on the S@veOnlinerekening.
Is a foreign bank less safe?
The amount is the same: € 100,000 per person per bank in every EU country. The difference is which scheme pays you back, and in which language.