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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.

Please note: we will change the interest rates on Savings Deposits from 23 april 2025. View the new 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
Spaar Deposito**
(Savings Deposit**)		 2.00% 1 year fixed

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.