Interest

If you are wondering what the interest rate is on your current account or savings account at the moment, or want to know the balance from which a negative interest rate applies, read on to see the latest interest rates.

 

Negative interest

From 1 July 2021, you will need to pay negative interest if the balance of all of your current and savings accounts totals more than €150,000. We determine your balance class by adding up the balances on all of your current and savings accounts. Joint accounts are included proportionately in the calculation.

Balance class (total balance on current and savings accounts)* Interest rate*
€0 to €100,000 0%
€100,000 to €150,000 0%
Above €150,000 -0.50%

*Balance classes and interest rates are subject to change.

More information about negative interest.

Please note: As of 1 January 2022, we will be lowering the threshold above which you will pay negative interest. Read more about this change.

Savings accounts

Savings account Maximum interest Basic interest Bonus interest
Vermogens Spaarrekening* 0.00% 0.00% 0.00%
Direct Sparen 0.00% 0.00% n/a
Direct Kwartaal Sparen* 0.00% 0.00% 0.00%
Beleggers Spaarrekening 0.00% 0.00% n/a
KinderToekomst Spaarrekening 0.15% 0.15% 0.00%
KinderBonus Sparen** n/a 0.00% 5.00%***
Royaal Rekening**** 0.05% 0.00% 0.05%

*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 April 2020 .

Fixed-interest savings

Savings account Interest Term
Spaar Deposito 0.05% 10 years fixed

These interest rates are valid as of 12 March 2020 and are annual effective rates.

Pension savings

Pension product Variable interest rate
Pensioenaanvulling 0.50%
Gouden Handdruk Opbouwrekening 0.50%

These interest rates are valid as of 1 October 2021. All interest rates quoted are annual effective rates.