In this post you will find an updated table with the banks with the highest interest rates in the Netherlands. The European Central Bank keeps lowering the interest rates, so it is convenient to check from time to time who gives you more interest for your savings.
The big banks in the Netherlands (ABN Amro, ING, Rabobank) are not the ones with the highest interest rates. If you want to know more about these banks you can read the post Banks in Holland).
ABN Amro and ING (at the date of this post updated to April 2025) offer 1.5% per annum on their flexible savings account, i.e. 15 euros per year for every 1,000 euros in the account. Rabobank offers the most attractive interest rate, 1.7% (for the first 20,000 euros). As I mentioned in the post the emergency fund has to be kept somewhere, and it seems that in the Netherlands there is no better place than a bank. Although this will make you lose purchasing power due to inflation. Therefore it is advisable to look for the bank that gives the best interest rate in Holland.
The table below shows the banks in the Netherlands with the highest interest rate in 2025 ordered from the bank with the highest to the lowest interest rate.
| Banco | Cuenta | Tasa de Interés anual | País * | Pago de interés | |
|---|---|---|---|---|---|
| 1 | Bigbank | Flexibel Sparen | 2.30 % | Estonia | Anual |
| 2 | Openbank | Open Spaarrekening | 2.50%-2.75%* | España | Mensual |
| 3 | Bunq | Easy Savings | 2.51 % * | Países Bajos | Semanal |
| 4 | Santander consumer bank | Spaarrekening | 2.25 % | España | Mensual |
| 5 | Lloyds Bank | Spaarrekening | 2.00 % | Alemania | Anual |
| 6 | Ayvens Bank | Flexibel Sparen | 1.80 % | Países Bajos | Mensual |
More information about these banks can be found below.
A new addition to this list is Santander Consumer Bank, they offer an online savings account that is protected by the Spanish deposit guarantee system, has no minimum deposits and charges no fees.
If you want to know more about Santander Consumer Bank’s savings account you can click on the banner below, if you do you help the blog and future articles.
The case of Openbank deserves a separate calculation as they have a promotion for new clients. They offer an interest rate of 2.75% for the first 6 months, after this period the rate drops to 2.5% under certain conditions.
Although it is no longer the bank with the highest rate Bunq is still one of the options with the highest interest rates, they also pay weekly interest, I already talked more about this bank and their Easy Savings account in The savings account with the highest interest rates in Holland. Bunq’s rate varies from person to person, you can read about it below.
Are my savings safe in these banks?
As a licensed bank, by European Union law savers’ deposits are guaranteed up to 100,000 Euros in case the bank goes bankrupt.
The protection of savings comes from a fund established at national level by each member state, each bank authorized by the member state contributes to this protection fund depending on the risk category to which the bank belongs, if any bank were to declare bankruptcy the money from the fund would be used to compensate the customers of the failed bank. All this falls under the deposit guarantee system, at the end I leave a link for those who want to read more about this. In the case of the Netherlands “De Nederlandsche Bank” (DNB) is in charge of this fund.
Banks that offer higher interest rates are banks that have the deposit guarantee system of countries other than the Netherlands. As a general rule in the world of finance, the higher the risk, the higher the return. If one of these banks should fail, you will have to apply to the agency designated by the country where the bank is located.
If you want to read more about the European Union deposit guarantee follow this link https://www.consilium.europa.eu/es/policies/banking-union/single-rulebook/deposit-guarantee-schemes/
Below are the links to the banks mentioned above.
Bunq has a model called Massinterest, with this model, you can earn additional interest simply by increasing your savings beyond your personalized starting point, known as a “threshold”. This threshold is calculated twice a year, on January 1 and July 1, based on the largest amount you’ve saved in your account in the last six months. Up to that threshold, you will receive an annual prime rate, currently 1.76%. But if you manage to exceed the threshold, the reward is even higher: 2.51% annual interest on the extra amount. In addition, if you have just joined or had no previous savings, your threshold starts at €0, which means you can take advantage of the bonus rate right from the start. As these rates are variable, it is always advisable to keep an eye on changes to get the most out of your money. More information about Bunq here
Bigbank is an Estonian bank that started offering online term deposits to customers in Germany in 2009, Austria in 2010 and the Netherlands in 2012. From 2020 they also offer a flexible savings account with no minimum opening amount and no account management fees. Deposit protection in this case is provided by Estonia. The account opening process reads simple and includes an identity verification by a visiting person, interest payments are made annually. Big Bank’s website mentions that no Estonian bank failed in the 2008 crisis which is a good sign. You can get more information here or click on the banner below to help the blog and future articles.
Lloyds bank also has a savings account that can be opened online, with no minimum opening amount and no account management fees, interest is paid annually. The whole process is online and has deposit protection from Germany. More information here
Openbank also offers an account that can be opened online. This bank has deposit protection from Spain and pays interest every month. More information here
Ayvens bank (formerly LeasePlan bank) emerged as part of the transformation that followed the merger of LeasePlan with ALD Automotive, consolidating under the new Ayvens identity. LeasePlan Bank became Ayvens Bank, and Ayvens was part of the prestigious Societe Generale Group, one of Europe’s leading financial services providers, supporting millions of customers worldwide. Deposit protection is provided by “De Nederlandsche Bank”, which I used personally. The account opening process is simple and they have an app for the phone that works well, the interest is paid monthly to the account and there is no minimum opening amount or account management fees. When the deposit is made it takes a little while to be reflected in the account, it is not instantaneous as when making transfers between big banks, but it takes only a few hours to be reflected in the account. More information about Ayvens bank here
Is it worth opening an account somewhere other than your traditional bank? In my case it also serves to make my emergency fund a little less accessible. This way I don’t use it for the month’s expenses. Personally I have my emergency fund in Trade Republic, you can read more in the post Get 2.25% interest for your savings.
Did you know that in the Netherlands there are other places that give you higher interest rates than banks? Follow the link to find out more.
* the country mentioned in the table is the one that protects the savings of the bank mentioned.
