Best Savings Accounts Available in the Netherlands (2026)
The Dutch savings market is dominated by banks like ING, ABN AMRO and Rabobank, but European fintechs offer much more competitive rates. Here is our breakdown for Netherlands residents.
Main Dutch Banks
- ING Oranje Spaarrekening: 1.5-2% flexible savings account
- ABN AMRO Spaarrekening: variable rates, good digital integration
- Rabobank: term deposits with competitive rates
- ASN Bank: sustainable bank with ethical savings account
Fintechs with Best Rates for NL Residents
- Trade Republic: 3.25% on uninvested cash (available in NL since 2023)
- Revolut: up to 2.50%+ on EUR Savings Vaults
- bunq: Dutch neobank with Easy Savings remunerated account
Deposit Guarantee in the Netherlands
The Dutch Depositogarantiestelsel (DGS) protects up to €100,000 per depositor per bank. It is part of the European deposit guarantee system (EDIS).
Tax on Savings in the Netherlands
The Netherlands applies Box 3 — a wealth tax based on assumed (not actual) returns. In 2026, the effective rate is approximately 36% on a presumed return on wealth. Actual interest earned is not taxed directly.
Compare All Rates at APYData
APYData monitors EUR savings products across Europe, updated daily.