Best Savings Accounts in Netherlands
Investing in Savings Accounts is a key strategy for Netherlands residents looking to protect their savings. Currently, the European Central Bank (ECB) maintains the €STR rate at a level that significantly impacts many fixed-income products across the eurozone.
With an annual inflation rate of approximately 2.7% in Netherlands, finding yields that provide a positive real return after taxes of 36.0% is crucial for maintaining your long-term purchasing power.
Savings Accounts Yields in Netherlands
| Type | Institution / Product | Gross Yield | After Tax | Real Yield | Status | Details |
|---|---|---|---|---|---|---|
| Savings Accounts | Bunq Easy Savings (Weekly)NL | 2.19% | 1.40% | -1.30% | Loses to Inflation | Weekly compound, higher balances get 2.26%, base 1.51% |
| Savings Accounts | Trading 212 Flexible SavingsNL | 2.14% | 1.37% | -1.33% | Loses to Inflation | UK fintech, investor protection ~€20k, instant access |
| Savings Accounts | Trade Republic Cash AccountNL | 1.96% | 1.25% | -1.45% | Loses to Inflation | Instant access, tracks ECB rate, up to €50k |
| Savings Accounts | Lightyear Cash AccountNL | 1.84% | 1.18% | -1.52% | Loses to Inflation | Estonian broker, monthly interest, no limit |
| Savings Accounts | Revolut Savings VaultEU | 1.79% | 1.14% | -1.56% | Loses to Inflation | Premium/Metal plans, instant access, up to €100k |
| Savings Accounts | Openbank Cuenta NóminaNL | 1.74% | 1.11% | -1.59% | Loses to Inflation | Santander subsidiary, salary required, instant access |
| Savings Accounts | Klarna Savings AccountNL | 1.69% | 1.08% | -1.62% | Loses to Inflation | Swedish fintech, instant access, monthly interest |
| Savings Accounts | Bunq EasyBank SavingsNL | 1.50% | 0.96% | -1.74% | Loses to Inflation | Instant access, Dutch deposit guarantee, monthly interest |