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Interest

If you are 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 account Maximum interest Basic interest Bonus interest
Vermogens Spaarrekening*
(Capital Savings Account*)		 1.50% 1.50% 0.00%
Direct Sparen
(Direct Savings)		 1.50% 1.50% n/a
Beleggers Spaarrekening 1.50% 1.50% n/a
KinderToekomst Spaarrekening
(KidsFuture Savings Account)		 1.65% 1.50% 0.15%
KinderBonus Sparen** n/a 1.50% 5.00%***
Royaal Rekening**** 1.65% 1.40% 0.25%

*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 15 October 2023 .

Fixed-interest savings

Savings account Interest Term
Groen Spaar Deposito* 2.00% 1 year fixed
Spaar Deposito**
(Savings Deposit**)		 2.15% 1 year fixed
Spaar Deposito**
(Savings Deposit**)		 2.15%
2 years fixed
Spaar Deposito**
(Savings Deposit**)		 2.20% 3 years fixed
Spaar Deposito**
(Savings Deposit**)		 2.30% 5 years fixed
Spaar Deposito**
(Savings Deposit**)		 2.50% 10 years fixed

*These interest rates are valid as of 25 January 2024 and are annual effective rates.

**These interest rates are valid as of 15 November 2024 and are annual effective rates.

Pension savings

Pension product Variable interest rate
Pensioenaanvulling 1.90%
Gouden Handdruk Opbouwrekening 1.90%
Uitgestelde Hypotheekaflossing (no longer available) 1.50%
Hypotheekaflossing uit Vermogen (no longer available) 1.50%

These interest rates are valid as of 21 September 2023. All interest rates quoted are annual effective rates.