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Current interest rates

Wondering what the interest rate is on your current account or savings account at the moment? Read on to see the latest interest rates.

Savings accounts

Savings accountBalance classMaximum interestBasic interestBonus interest
Vermogens Spaarrekening*
(Capital Savings Account*)
€0 up to and including €500,0001.25%
1.25%
0.00%
€500,000 up to and including €1,000,0001.45%
1.45%
0.00%
Direct Sparen
(Direct Savings)
€0 up to and including €500,0001.25%
1.25%
n/a
€500,000 up to and including €1,000,0001.45%
1.45%
n/a
Beleggers Spaarrekening€0 up to and including €500,0001.25%
1.25%
n/a
€500,000 up to and including €1,200,0001.45%
1.45%
n/a
KinderToekomst Spaarrekening
(KidsFuture Savings Account)
€0 up to and including €1000,0001.40%1.25%0.15%
KinderBonus Sparen**€0 up to and including €1000,000n/a1.25%5.00%***
Royaal Rekening****€0 up to and including €1000,0001.40%1.25%0.15%

*This savings account can no longer be opened as of August 2021.
**This savings account can no longer be opened as of June 2013.
***The child receives bonus interest up to a maximum of 4 times, i.e. following his/her 5th, 10th, 15th and 18th birthdays.
****This savings account can no longer be opened as of September 2018.

These interest rates are valid as of 1 May 2025.

Current accounts

These interest rates are valid as of 1 April 2020 and are annual effective rates.

Fixed-interest savings

Savings accountInterestTerm
Groen Spaar Deposito*1.75%1 year fixed
Spaar Deposito*
(Savings Deposit*)
1.90%1 year fixed
Spaar Deposito*
(Savings Deposit*)
2.00%
2 years fixed
Spaar Deposito*
(Savings Deposit*)
2.10%3 years fixed
Spaar Deposito*
(Savings Deposit*)
2.30%5 years fixed
Spaar Deposito*
(Savings Deposit*)
2.65%10 years fixed

*These interest rates are valid as of 23 April 2025 and are annual effective rates.

Pension savings

Pension productVariable interest rate
Pensioenaanvulling1.90%
Gouden Handdruk Opbouwrekening (no longer available)1.90%
Uitgestelde Hypotheekaflossing (no longer available)1.50%
Hypotheekaflossing uit Vermogen (no longer available)1.50%

These interest rates are valid as of 14 November 2023. All interest rates quoted are annual effective rates.