Najboljši Varčevalni računi v Belgija
Naložba v Varčevalni računi je ključna strategija za prebivalce v Belgija, ki želijo svoje prihranke zaščititi pred inflacijo.
Ker je inflacija v Belgija 4.1-odstotna, davčna stopnja pa 30.0-odstotna, je iskanje izdelkov s pozitivnim realnim donosom nujno.
Zgodovinski razvoj
Primerjajte povprečni donos Varčevalni računi z inflacijo
Primerjajte donose Varčevalni računi v Belgija
| Vrsta | Ustanova | Bruto donos | Po obdavčitvi | Realni donos | Stanje | Podrobnosti |
|---|---|---|---|---|---|---|
| Varčevalni računi | vdk bank Ritme Spaarrekening BE | 2.85% | 2.00% | -2.10% | Izgubi | 1.35% base + 1.50% loyalty = 2.85% total, €500/month limit, April 2026 |
| Varčevalni računi | CPH Bank Carnet de dépôts Plus BE | 2.60% | 1.82% | -2.28% | Izgubi | 2.10% base + 0.50% loyalty = 2.60% total, French banking group |
| Varčevalni računi | Argenta Groeirekening BE | 2.60% | 1.82% | -2.28% | Izgubi | 1.10% base + 1.50% loyalty = 2.60% total, cooperative bank |
| Varčevalni računi | MeDirect Fixed 12M BE | 2.40% | 1.68% | -2.42% | Izgubi | 12-month term, €5k-€500k, quarterly interest |
| Varčevalni računi | Bunq Easy Savings (Weekly) BE | 2.26% | 1.58% | -2.52% | Izgubi | Weekly compound, higher balances get 2.26%, base 1.51% |
| Varčevalni računi | KBC Start2Save BE | 2.25% | 1.58% | -2.52% | Izgubi | 0.75% base + 1.50% loyalty = 2.25% total, major Belgian bank |
| Varčevalni računi | CBC Start2Save BE | 2.25% | 1.58% | -2.52% | Izgubi | 0.75% base + 1.50% loyalty = 2.25% total, KBC group (French-speaking) |
| Varčevalni računi | ING Tempo Sparen BE | 2.25% | 1.58% | -2.52% | Izgubi | 0.75% base + 1.50% loyalty = 2.25% total, instant access |
| Varčevalni računi | Trading 212 Flexible Savings BE | 2.20% | 1.54% | -2.56% | Izgubi | UK fintech, investor protection ~€20k, instant access |
| Varčevalni računi | Belfius Flow Spaarrekening BE | 2.00% | 1.40% | -2.70% | Izgubi | 0.25% base + 1.75% loyalty = 2.00% total, €600/month limit, April 2026 |
| Varčevalni računi | MeDirect Essential Sparen BE | 2.00% | 1.40% | -2.70% | Izgubi | 1.30% base + 0.70% loyalty = 2.00% total, instant access |
| Varčevalni računi | Santander Consumer Bank Vision Max BE | 2.00% | 1.40% | -2.70% | Izgubi | 0.70% base + 1.30% loyalty = 2.00% total, Spanish banking group |
| Varčevalni računi | Crelan GoSave BE | 2.00% | 1.40% | -2.70% | Izgubi | 0.50% base + 1.50% loyalty = 2.00% total, cooperative bank |
| Varčevalni računi | Lightyear Cash Account BE | 1.91% | 1.34% | -2.76% | Izgubi | Estonian broker, monthly interest, no limit |
| Varčevalni računi | Klarna Savings Account BE | 1.87% | 1.31% | -2.79% | Izgubi | Swedish fintech, instant access, monthly interest |
| Varčevalni računi | Revolut Savings Vault EU | 1.85% | 1.29% | -2.80% | Izgubi | Premium/Metal plans, instant access, up to €100k |
| Varčevalni računi | NIBC Spaarrekening BE | 1.60% | 1.12% | -2.98% | Izgubi | 1.20% base + 0.40% loyalty = 1.60% total, Dutch bank |
| Varčevalni računi | Bunq EasyBank Savings BE | 1.56% | 1.09% | -3.01% | Izgubi | Instant access, Dutch deposit guarantee, monthly interest |