Spaarrentevergelijken

Welcome savings rates (October 2026)

These 6 banks now pay new customers more than their normal savings rate. For each offer you see how long it lasts, on how much, and the rate you get after it.

  1. #1Yapı Kredi Bank

    Euro-Plus Spaarrekening

    3.30%Welcome rate

    How long
    3 months
    On
    Your whole balance
    Normal rate
    1.80%
    Extra on €25,000
    + €93.75
    • The welcome offer is only for new customers.

    Go to the Yapı Kredi Bank website ↗

  2. #2bunq

    Spaarrekening

    3.11%Welcome rate

    How long
    2 months
    On
    Your whole balance
    Normal rate
    1.61% up to €10,000
    Extra on €25,000
    + €65.00
    • Until the next 1 January or 1 July you get 3.11% on all your savings. After that only on money above your highest balance of the past six months.
    • You need a bunq account. The free plan is enough.

    Go to the bunq website ↗

  3. #3Openbank

    Open Spaarrekening

    3.10%Welcome rate

    How long
    6 months
    On
    Up to €1,000,000
    Normal rate
    2.25% up to €300,000
    Extra on €25,000
    + €106.25
    • Openbank states no rate above the maximum. We count 0% there.
    • Santander Consumer Bank is the same bank. The € 100,000 deposit guarantee covers both together.

    Go to the Openbank website ↗

  4. #4Santander Consumer Bank

    Spaarrekening

    3.01%Welcome rate

    How long
    6 months
    On
    Up to €250,000
    Normal rate
    2.20%
    Extra on €25,000
    + €101.25
    • Openbank is the same bank. The € 100,000 deposit guarantee covers both together.

    Go to the Santander Consumer Bank website ↗

  5. #5Trade Republic

    Betaalrekening met rente

    3.00%Welcome rate

    How long
    No end date given
    On
    Up to €50,000
    Normal rate
    2.50%
    Extra on €25,000
    + €125.00
    • The higher rate is for new customers. Trade Republic gives no end date. Existing customers get the ECB deposit rate.
    • You need the Trade Republic app. You get interest on money you do not invest.

    Go to the Trade Republic website ↗

  6. #6DHB Bank

    S@veOnlinerekening

    3.00%Welcome rate

    How long
    6 months
    On
    Up to €50,000
    Normal rate
    1.85%
    Extra on €25,000
    + €143.75
    • The welcome offer is only for people who were not a customer in the last 2 years.

    Go to the DHB Bank website ↗

"Extra" is how much more interest the offer earns you in the first year on €25,000 of savings, compared with that bank's normal rate alone.

What to look out for

  • A welcome rate is temporary. After it ends you get the bank’s normal rate, so look at that rate too.
  • Often the offer only applies up to a maximum amount. Above it, you get the normal rate.
  • The offer is for new customers. Some banks only count you as new if you have not been a customer for a while. The offer says so.
  • At every bank your savings are protected up to € 100,000 per person by the deposit guarantee scheme.

Frequently asked questions

What is a welcome rate?

A welcome rate is a higher savings rate that a bank pays new customers. You get it for a number of months, sometimes only on part of your balance. After that you get the bank’s normal rate.

Which bank has the highest welcome rate?

Yapı Kredi Bank pays the highest welcome rate now: 3.30% for 3 months. After that you get 1.80%.

Which offer earns the most interest?

With € 25,000, Trade Republic pays the most interest in the first year: €750.00. Of that, €125.00 comes from the offer. What earns you the most depends on your balance. The calculator works it out.

What happens when the offer ends?

You get the bank’s normal rate. You do not have to do anything. If it is an easy-access account, you can then move your money to another bank at no cost.