Quarterly Savings
Earn bonus interest on your savings
Interest rate up to
- Always 0,75% basic interest
- 0.55% bonus interest, only on money that remains in your account until the end of the quarter
- Deposit and withdraw freely
- Open your account in just 3 minutes
An extra reward for dedicated savers
With Quarterly Savings, you earn bonus interest on top of the basic interest, provided you keep your money in the account until the end of the quarter. You also earn bonus interest on money you deposit during the quarter and leave in the account until the end. If you withdraw money during the quarter, you will earn only the basic interest on that amount for the period it was held in the account. As the basic interest rate is lower than the rate on Direct Savings, this account is ideal for anyone who plans to save for at least a full quarter but still wants the flexibility to access their money earlier if needed.
Key features
Extra interest
You earn 0.55% bonus interest on money that remains in your account until the end of the quarter. This also applies to additional deposits that you leave in the account until the end.
Always available
You can access your money at any time. However, if you withdraw money before the end of the quarter, you will only receive the lower basic interest on that amount. So only withdraw money if it's really necessary.
Your money is protected
Your money is automatically protected up to € 100,000 under the Dutch Deposit Guarantee Scheme.
An example
If you keep € 10,000 in your account and leave this amount untouched for the entire quarter, you will earn:
• € 18.75 in basic interest (based on 0.75% per year, divided by 4), and
• € 13.75 in bonus interest (based on 0.55% per year, divided by 4)
If you make an additional deposit halfway through the quarter and leave it in your account until the end of the quarter, you'll earn both basic interest and bonus interest on that amount for the period it remains in your account. If you withdraw money before the end of the quarter, you'll only earn basic interest on the amount withdrawn.
All the details at a glance
Interest rates and balance classes
| Balance class | Variable basic interest rate | Variable bonus interest rate | Maximum interest rate |
|---|---|---|---|
For all balance classes: | 0.75% | 0.55% | 1.30% |
These interest rates apply from 29 September 2026 and are shown on an annual basis.
The basic interest and bonus interest are variable and may change at any time.
We credit the interest to your savings account every quarter, on 31 March, 30 June, 30 September and 31 December. The interest will be visible and available after 2 working days.
How bonus interest works
You earn bonus interest on top of the basic interest. The bonus interest rate is calculated only on savings that remain in the account until the end of the quarter. If you make an additional deposit during the quarter and leave in the account until the end of the quarter, you will also earn bonus interest on that amount. Do you withdraw money before the end of the quarter? You will then earn only basic interest on the amount withdrawn for the period it was in your account. The basic interest rate is lower than the rate on Direct Savings, so only withdraw money earlier if absolutely necessary.
The Quarterly Savings bonus interest rate applies to the part of the balance that:
- In quarter 1, is in the account from 31 December of the previous year and remains there up to and including 30 March.
- In quarter 2, remains there from 31 March up to and including 29 June.
- In quarter 3, remains there from 30 June up to and including 29 September.
- In quarter 4, remains there from 30 September up to and including 30 December.
View and compare the current interest rates for all ABN AMRO current and savings accounts.
Several factors affect savings interest rates, including your savings behaviour and the balance classes. See which factors determine savings interest rates.
Would you like to receive an email when the interest rate changes? Sign up for the Product Information newsletter.
Depositing and withdrawing money
You can deposit and withdraw money as often as you like. There is no minimum deposit, so you are free to save as much or as little as you like.
If you withdraw money before the end of the quarter, you will only receive the lower basic interest on that amount. So only withdraw money if it's really necessary.
Closing your savings account
You can close your Quarterly Savings account at any time, free of charge.
How your money is protected
The Dutch Deposit Guarantee Scheme protects the money in your savings account. This means that balances up to €100,000 per person per bank are automatically protected if a bank fails.
Find more information about the Dutch Deposit Guarantee Scheme.
Would you like to know more about the deposit guarantee at ABN AMRO? Read the Deposit Guarantee Scheme information sheet (PDF, 255 KB) .
Right of withdrawal and terms and conditions
You may close your account free of charge within 14 days of opening it, without giving a reason. This right of withdrawal applies only to private clients and not to business clients. More information about your right of withdrawal.
All terms and conditions
Would you like to know more about the terms and conditions of Quarterly Savings?
Interest rates and balance classes
| Balance class | Variable basic interest rate | Variable bonus interest rate | Maximum interest rate |
|---|---|---|---|
For all balance classes: | 0.75% | 0.55% | 1.30% |
These interest rates apply from 29 September 2026 and are shown on an annual basis.
The basic interest and bonus interest are variable and may change at any time.
We credit the interest to your savings account every quarter, on 31 March, 30 June, 30 September and 31 December. The interest will be visible and available after 2 working days.
How bonus interest works
You earn bonus interest on top of the basic interest. The bonus interest rate is calculated only on savings that remain in the account until the end of the quarter. If you make an additional deposit during the quarter and leave in the account until the end of the quarter, you will also earn bonus interest on that amount. Do you withdraw money before the end of the quarter? You will then earn only basic interest on the amount withdrawn for the period it was in your account. The basic interest rate is lower than the rate on Direct Savings, so only withdraw money earlier if absolutely necessary.
The Quarterly Savings bonus interest rate applies to the part of the balance that:
- In quarter 1, is in the account from 31 December of the previous year and remains there up to and including 30 March.
- In quarter 2, remains there from 31 March up to and including 29 June.
- In quarter 3, remains there from 30 June up to and including 29 September.
- In quarter 4, remains there from 30 September up to and including 30 December.
View and compare the current interest rates for all ABN AMRO current and savings accounts.
Several factors affect savings interest rates, including your savings behaviour and the balance classes. See which factors determine savings interest rates.
Would you like to receive an email when the interest rate changes? Sign up for the Product Information newsletter.
Depositing and withdrawing money
You can deposit and withdraw money as often as you like. There is no minimum deposit, so you are free to save as much or as little as you like.
If you withdraw money before the end of the quarter, you will only receive the lower basic interest on that amount. So only withdraw money if it's really necessary.
Closing your savings account
You can close your Quarterly Savings account at any time, free of charge.
How your money is protected
The Dutch Deposit Guarantee Scheme protects the money in your savings account. This means that balances up to €100,000 per person per bank are automatically protected if a bank fails.
Find more information about the Dutch Deposit Guarantee Scheme.
Would you like to know more about the deposit guarantee at ABN AMRO? Read the Deposit Guarantee Scheme information sheet (PDF, 255 KB) .
Right of withdrawal and terms and conditions
You may close your account free of charge within 14 days of opening it, without giving a reason. This right of withdrawal applies only to private clients and not to business clients. More information about your right of withdrawal.
All terms and conditions
Would you like to know more about the terms and conditions of Quarterly Savings?
Start saving in 3 steps
Open your account
Open your account free of charge in the ABN AMRO app or via Internet Banking.
Transfer money
You can transfer money from an account with us or another bank. There is no minimum deposit.
Leave it in the account
If you leave your money in the account until the end of the quarter, you receive bonus interest. This also applies to money you deposit during the quarter and leave there until the end.
Tip! These accounts may also suit you
Can you leave your money untouched for at least 45 days and would you like a higher interest rate? If so, choose Time Lock Savings. Have you already built up a healthy financial buffer that you can lock away for a longer period? Then take a look at our Savings Deposits.