{
  "about": "Savings rates for the Netherlands from spaarrentevergelijken.com. Rates are gross percentages per year. tiers: each rate applies to the part of the balance between `from` and `to` (to: null = no limit). promo: welcome rate for new customers; months: null = no end date published; upTo: null = whole balance. kind: \"free\" = withdraw any time, \"limited\" = has conditions. See /llms.txt for a plain-text version.",
  "updatedAt": "2026-10-22T10:04:40.811Z",
  "banks": [
    {
      "id": "traderepublic",
      "name": "Trade Republic",
      "guarantee": "EU",
      "url": "https://traderepublic.com/nl-nl/rente",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "traderepublic-rente",
          "product": "Betaalrekening met rente",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 2.5
            }
          ],
          "promo": {
            "rate": 3,
            "months": null,
            "upTo": 50000
          },
          "notes": {
            "nl": [
              "De hogere rente is voor nieuwe klanten. Trade Republic noemt geen einddatum. Bestaande klanten krijgen de depositorente van de ECB.",
              "Je hebt de Trade Republic-app nodig. Rente krijg je over geld dat je niet belegt."
            ],
            "en": [
              "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."
            ]
          }
        }
      ]
    },
    {
      "id": "ing",
      "name": "ING",
      "guarantee": "NL",
      "url": "https://www.ing.nl/particulier/sparen/renteberekening-op-je-spaarrekening",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "ing-oranje-spaarrekening",
          "product": "Oranje Spaarrekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 10000,
              "rate": 1.25
            },
            {
              "from": 10000,
              "to": 100000,
              "rate": 1
            },
            {
              "from": 100000,
              "to": 1000000,
              "rate": 1
            },
            {
              "from": 1000000,
              "to": null,
              "rate": 0
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Je hebt een ING-betaalrekening nodig.",
              "Met ING Extra of ING Max krijg je extra rente over de eerste € 10.000."
            ],
            "en": [
              "You need an ING current account.",
              "With ING Extra or ING Max you get extra interest on the first € 10,000."
            ]
          }
        }
      ]
    },
    {
      "id": "rabobank",
      "name": "Rabobank",
      "guarantee": "NL",
      "url": "https://www.rabobank.nl/particulieren/sparen/alles-over-rente/actuele-rentes",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "rabobank-spaarrekening",
          "product": "Rabo SpaarRekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 10000,
              "rate": 1.6
            },
            {
              "from": 10000,
              "to": 20000,
              "rate": 1.5
            },
            {
              "from": 20000,
              "to": 100000,
              "rate": 1.4
            },
            {
              "from": 100000,
              "to": 5000000,
              "rate": 1.3
            },
            {
              "from": 5000000,
              "to": null,
              "rate": 0
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Je hebt een Rabobank-betaalrekening nodig."
            ],
            "en": [
              "You need a Rabobank current account."
            ]
          }
        }
      ]
    },
    {
      "id": "abnamro",
      "name": "ABN AMRO",
      "guarantee": "NL",
      "url": "https://www.abnamro.nl/nl/prive/rente/actuele-rente.html",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "abnamro-direct-sparen",
          "product": "Direct Sparen",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 500000,
              "rate": 1.25
            },
            {
              "from": 500000,
              "to": 1000000,
              "rate": 1.45
            },
            {
              "from": 1000000,
              "to": null,
              "rate": 0
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Je hebt een ABN AMRO-betaalrekening nodig."
            ],
            "en": [
              "You need an ABN AMRO current account."
            ]
          }
        },
        {
          "id": "abnamro-kwartaal-sparen",
          "product": "Kwartaal Sparen",
          "kind": "limited",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 1.3
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "0,75% basisrente plus 0,55% bonusrente. De bonus krijg je alleen als je aan de voorwaarden voor dat kwartaal voldoet."
            ],
            "en": [
              "0.75% base rate plus 0.55% bonus. You only get the bonus if you meet the conditions for that quarter."
            ]
          }
        }
      ]
    },
    {
      "id": "asn",
      "name": "ASN Bank",
      "guarantee": "NL",
      "url": "https://www.asnbank.nl/sparen/spaarrente.html",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "asn-sparen",
          "product": "ASN Sparen",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 25000,
              "rate": 1.3
            },
            {
              "from": 25000,
              "to": 50000,
              "rate": 1.2
            },
            {
              "from": 50000,
              "to": 100000,
              "rate": 1.2
            },
            {
              "from": 100000,
              "to": null,
              "rate": 1
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "SNS en RegioBank zijn opgegaan in ASN Bank."
            ],
            "en": [
              "SNS and RegioBank are now part of ASN Bank."
            ]
          }
        }
      ]
    },
    {
      "id": "triodos",
      "name": "Triodos Bank",
      "guarantee": "NL",
      "url": "https://www.triodos.nl/sparen",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "triodos-internet-sparen",
          "product": "Internet Sparen",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 10000,
              "rate": 1.15
            },
            {
              "from": 10000,
              "to": 25000,
              "rate": 0.9
            },
            {
              "from": 25000,
              "to": 100000,
              "rate": 0.9
            },
            {
              "from": 100000,
              "to": null,
              "rate": 0.8
            }
          ],
          "promo": null,
          "notes": {
            "nl": [],
            "en": []
          }
        }
      ]
    },
    {
      "id": "bunq",
      "name": "bunq",
      "guarantee": "NL",
      "url": "https://www.bunq.com/nl-nl/personal/features/savings-accounts",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "bunq-spaarrekening",
          "product": "Spaarrekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 10000,
              "rate": 1.61
            },
            {
              "from": 10000,
              "to": null,
              "rate": 1.51
            }
          ],
          "promo": {
            "rate": 3.11,
            "months": 2,
            "upTo": null
          },
          "notes": {
            "nl": [
              "Tot de volgende 1 januari of 1 juli krijg je 3,11% over al je spaargeld. Daarna alleen over geld boven je hoogste saldo van het afgelopen halfjaar.",
              "Je hebt een bunq-account nodig. Het gratis abonnement is genoeg."
            ],
            "en": [
              "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."
            ]
          }
        }
      ]
    },
    {
      "id": "knab",
      "name": "Knab",
      "guarantee": "NL",
      "url": "https://www.knab.nl/particulier/sparen/flexibel-sparen",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "knab-flexibel-sparen",
          "product": "Flexibel Sparen",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 25000,
              "rate": 1.25
            },
            {
              "from": 25000,
              "to": 100000,
              "rate": 1.25
            },
            {
              "from": 100000,
              "to": null,
              "rate": 1.25
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Je hebt een Knab-betaalrekening nodig. Daar betaal je een maandbedrag voor."
            ],
            "en": [
              "You need a Knab current account. It has a monthly fee."
            ]
          }
        }
      ]
    },
    {
      "id": "nn",
      "name": "Nationale-Nederlanden",
      "guarantee": "NL",
      "url": "https://www.nn.nl/Particulier/Sparen/Actuele-spaarrentes.htm",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "nn-internetsparen",
          "product": "Internetsparen",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 10000,
              "rate": 1.5
            },
            {
              "from": 10000,
              "to": 25000,
              "rate": 1.3
            },
            {
              "from": 25000,
              "to": 100000,
              "rate": 1.2
            },
            {
              "from": 100000,
              "to": null,
              "rate": 1.1
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Werkt met je eigen betaalrekening bij een andere bank."
            ],
            "en": [
              "Works with your own current account at another bank."
            ]
          }
        }
      ]
    },
    {
      "id": "nibc",
      "name": "NIBC",
      "guarantee": "NL",
      "url": "https://nibc.nl/sparen/",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "nibc-spaarrekening",
          "product": "Spaarrekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 1.55
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Werkt met je eigen betaalrekening bij een andere bank."
            ],
            "en": [
              "Works with your own current account at another bank."
            ]
          }
        },
        {
          "id": "nibc-kwartaalspaarrekening",
          "product": "Kwartaalspaarrekening",
          "kind": "limited",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 1.6
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Dit is de rente inclusief bonusrente per kwartaal. Die krijg je alleen als je aan de voorwaarden voldoet."
            ],
            "en": [
              "This rate includes the quarterly bonus. You only get it if you meet the conditions."
            ]
          }
        }
      ]
    },
    {
      "id": "lloyds",
      "name": "Lloyds Bank",
      "guarantee": "DE",
      "url": "https://www.lloydsbank.nl/sparen/actuele-rentes-sparen",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "lloyds-internet-spaarrekening",
          "product": "Internet Spaarrekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 1.5
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Lloyds Bank GmbH is een Duitse bank."
            ],
            "en": [
              "Lloyds Bank GmbH is a German bank."
            ]
          }
        }
      ]
    },
    {
      "id": "dhb",
      "name": "DHB Bank",
      "guarantee": "NL",
      "url": "https://www.dhbbank.nl/rentetarieven",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "dhb-saveonlinerekening",
          "product": "S@veOnlinerekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 1.85
            }
          ],
          "promo": {
            "rate": 3,
            "months": 6,
            "upTo": 50000
          },
          "notes": {
            "nl": [
              "Het welkomstaanbod geldt alleen als je de laatste 2 jaar geen klant was."
            ],
            "en": [
              "The welcome offer is only for people who were not a customer in the last 2 years."
            ]
          }
        },
        {
          "id": "dhb-combispaarrekening-33",
          "product": "CombiSpaarrekening-online",
          "kind": "limited",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 2
            }
          ],
          "promo": null,
          "notes": {
            "nl": [
              "Opnemen kan pas 33 dagen nadat je het aankondigt.",
              "Minimaal € 500."
            ],
            "en": [
              "You can withdraw 33 days after you announce it.",
              "Minimum € 500."
            ]
          }
        }
      ]
    },
    {
      "id": "yapikredi",
      "name": "Yapı Kredi Bank",
      "guarantee": "NL",
      "url": "https://www.yapikredi.nl/particulieren/renteoverzicht",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "yapikredi-euro-plus-spaarrekening",
          "product": "Euro-Plus Spaarrekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 1.8
            }
          ],
          "promo": {
            "rate": 3.3,
            "months": 3,
            "upTo": null
          },
          "notes": {
            "nl": [
              "Het welkomstaanbod geldt alleen voor nieuwe klanten."
            ],
            "en": [
              "The welcome offer is only for new customers."
            ]
          }
        }
      ]
    },
    {
      "id": "santander",
      "name": "Santander Consumer Bank",
      "guarantee": "ES",
      "url": "https://www.santanderconsumerbank.nl/nl/sparen",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "santander-spaarrekening",
          "product": "Spaarrekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": null,
              "rate": 2.2
            }
          ],
          "promo": {
            "rate": 3.01,
            "months": 6,
            "upTo": 250000
          },
          "notes": {
            "nl": [
              "Openbank is dezelfde bank. De depositogarantie van € 100.000 geldt voor beide samen."
            ],
            "en": [
              "Openbank is the same bank. The € 100,000 deposit guarantee covers both together."
            ]
          }
        }
      ]
    },
    {
      "id": "openbank",
      "name": "Openbank",
      "guarantee": "ES",
      "url": "https://www.openbank.nl/",
      "ok": true,
      "checkedAt": "2026-10-22T10:04:40.811Z",
      "accounts": [
        {
          "id": "openbank-open-spaarrekening",
          "product": "Open Spaarrekening",
          "kind": "free",
          "tiers": [
            {
              "from": 0,
              "to": 300000,
              "rate": 2.25
            },
            {
              "from": 300000,
              "to": null,
              "rate": 0
            }
          ],
          "promo": {
            "rate": 3.1,
            "months": 6,
            "upTo": 1000000
          },
          "notes": {
            "nl": [
              "Boven het maximum noemt Openbank geen rente. Wij rekenen daar 0%.",
              "Santander Consumer Bank is dezelfde bank. De depositogarantie van € 100.000 geldt voor beide samen."
            ],
            "en": [
              "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."
            ]
          }
        }
      ]
    }
  ]
}