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Find a savings account that suits you:

If you want to start saving, you want to put your savings away safely at the highest savings interest rate. But it is not only the savings interest that is important. You should also carefully look at the conditions that come with it. At Independer you can quickly find a savings account or deposit that exactly meets your needs, with the highest savings interest rate. You will immediately find an overview of all interest rates.

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Compare savings accounts : this is how it works

More information about your savings account :

Perhaps one of the following questions may help you:

Frequently asked questions about saving :

Compare savings accounts : this is how it works

Would you like to immediately see which savings account or deposit has the highest savings interest? You can easily see this at the touch of a button. You will then see almost all savings accounts or deposits with all interest rates and the highest savings interest at the top. You can immediately see whether the savings account or deposit falls under the Dutch Guarantee Scheme and what the pros and cons of the savings account are. You can sort savings accounts by interest rate and customer rating and view the details. Have you found the best? Then you can usually go directly to the provider to open . You only have to answer a few questions and you will immediately receive the result of the best savings accounts and deposits that meet your requirements. We do not include savings or deposit accounts with very different conditions that are not or very difficult to compare with regular products. For example, you can think of climbing savings deposit products, children's savings accounts and green savings. In addition, we do not compare business savings accounts.

More information about your savings account :

Savings rates and interest rates:
Saving is a good way to put your money aside for a short or longer period of time at a low risk. But what happens to your savings now? Your bank actually borrows your savings and lends it out to others. You get interest for this and the person they lend the money to pays interest. The interest rate or interest rate is set by the banks. They do this based on the interest rate set by the European Central Bank and many other factors (such as the costs incurred by the bank). The interest rate on a deposit is fixed, that of a savings account is variable. Banks can change this at any time. Therefore, keep a close eye on the savings interest rate. You can benefit greatly from transferring your savings to another savings account with a higher interest rate. View the current interest rates on more than 130 savings accounts from almost all banks .
Compare deposits: different from regular savings
If you want to save with a deposit, it works slightly differently than with a savings account. You also save money, but with a deposit you lock up the savings for an agreed period at a fixed savings interest rate. That period (the term) can vary from one month to several years. You often receive a higher interest rate for this than on a regular savings account. It is usually not possible to withdraw or deposit money in the meantime. Do you want to compare savings interest on deposits? Then you can contact Independer. Click on 'Show deposits' and you will immediately see an overview of the providers of deposits with a term of 5 years. Do you want to lock up your savings for a shorter or longer period? Then choose a different term at the top of the comparison.
Deposit Guarantee Scheme:
If you want to save with a deposit, it works slightly differently than with a savings account. You also save money, but with a deposit you lock up the savings for an agreed period at a fixed savings interest rate. That period (the term) can vary from one month to several years. You often receive a higher interest rate for this than on a regular savings account. It is usually not possible to withdraw or deposit money in the meantime. Do you want to compare savings interest on deposits? Then you can contact Independer. Click on 'Show deposits' and you will immediately see an overview of the providers of deposits with a term of 5 years. Do you want to lock up your savings for a shorter or longer period? Then choose a different term at the top of the comparison.
Save with the highest savings interest rate:
highest savings interest in addition to good conditions . This way you get the most return from your savings. If you already have your savings in a savings account, it is smart to regularly compare savings interest rates. Does your savings account provide the highest savings interest? A new savings account is easy to open. Transferring your savings can be done in no time.

Perhaps one of the following questions may help you:

What is the difference between a savings account and a deposit?

With a regular savings account you always have access to your money. This is not possible with a deposit, but you often have a higher interest rate.

How can I save money for my children?

There are various options for saving for your children. For example, through a special children's savings account. But a normal savings account can also be an option.

What are the savings interest rates at the moment?

You naturally want to know where you can get the highest savings interest. That is why we have listed them for you.

83% of Dutch people save

Frequently asked questions about saving :

How can I save ten percent of my income?
Finass Verzekert recommends saving 10 percent of your income, but we understand that it is not easy for everyone and sometimes not feasible. Then see what works, because a buffer can prevent many financial problems.
How can I save more easily?
Saving is not always easy, especially with a low income. Good insight into income and expenditure helps. There are also ways to put money aside without immediately feeling it in your wallet.
How high is a good buffer?
A buffer is a reserve fund to be able to pay unexpected, larger and necessary expenses immediately. For example, appliance repairs. The amount of a sensible buffer varies per household.
How can I save for my (grand) child?
There are parents and grandparents who would like to save for their (grand)children. For example for a study, driving lesson or their 18th birthday. You can open a savings account but also donate an amount.
Is it wise to invest?
Do you want to invest in shares, bonds or cryptocurrency, for example? Make sure you always have a financial buffer and that you do not run into financial problems if the returns are disappointing. Also, don't invest in things you don't understand.

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✔️ Online tools ✔️ The best options ✔️ Independent ✔️ Completely without obligation

Investing:

Investing

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✔️. Banks, brokers and asset managers

✔️. Determine your own contribution

Investing:

Investing involves risks . The most common risks are market risk, interest rate risk, credit risk, liquidity risk and currency risk. The financial market is constantly changing, so your investments may become less valuable or even lose their value.

On this page:

What is investing money ?

Different types of investments :

Investing money for your pension:

Frequently asked questions about investing :

What is investing money ?

Savings in a safe become less and less valuable due to inflation. This means that you can buy less for the same money. By investing you try to increase the value of your money. It is a form of investing that may give you a return higher than inflation. Do you want to invest? Then you can do this yourself, or outsource it. Remember that investing is risky. It goes wrong? Then you lose money.

There is a good chance that investments are already being made for you at this moment. This often happens without you even noticing. For example, do you have a pension plan through your employer? Your monthly contribution will then be managed by your pension provider.

, buying shares or bonds The value of those products is determined by supply and demand. Is there a lot of demand? Then the price goes up. When demand is low, the price actually falls. Is the value of your investments higher than when you bought them? Then you make a profit. This is also called return. When investing, returns can consist of two parts:

the return you can receive when selling your shares
dividend that you can receive in the meantime

Limiting risks: risk profile
Some people find investing (too) complicated and risky. You can of course lose (part of) your investment. But investing can also earn you more than if you save. It is important to first think about your investment goal. And how much risk you are willing and able to take for this. You record this in a risk profile. If you draw up such a profile in advance, you limit the risks you do not want or cannot take. Your risk profile can vary from very cautious (defensive) to very risky (offensive). By answering a few questions, you will discover which profile suits you best. Think about questions about you:
- risk appetite
- risk opportunity
- investment objective
- investment horizon
- investment experience
Risk appetite and risk opportunity
Are you willing to take more risk, which increases the chance of a higher return? And can you cope financially if you lose a large part of your investment? If you can answer these questions with 'yes', you will arrive at an offensive risk profile more quickly.
Investment objective
Do you want to invest to build up more income for later? Then you would also like to achieve this investment goal. It is often smarter to invest less risky than if you invest for something that is not necessary. For example, to be able to travel the world or buy a second home. The necessity of your goal therefore determines how much risk you can take.
Investment horizon
Your investment horizon determines the period in which you want to achieve your investment objective. The longer you have to invest, the more risk you can take. Are you investing to supplement your pension? Then you often have a broad investment horizon. This means you can invest a little more risky in the beginning. Are you getting closer to retirement? Then you reduce the risk. In the beginning you have a better chance of making up for any losses. But just before you retire, you obviously don't want to run the risk of losing everything. This way of investing is also called lifecycle investing.

Different types of investments :

You can invest in different ways. Consider the following categories:

shares
property
bonds
liquidity

Each category has a different average risk and return. For example, with shares you run much more risk than with bonds. But at the same time you also have a greater chance of a higher return. With bonds it is the opposite. The risk you run is lower on average, but so is your return. You can invest per category, but also via a model portfolio or investment fund.

Investing money for your pension

Do you have a pension deficit? Then you can make up your shortfall by investing. If you have a demonstrable pension deficit, you can often also invest with a tax advantage. You can then deduct your contribution from your income tax on your tax return. There is a maximum here: your annual space. You also do not have to pay tax on the accumulated capital. This capital is fixed until your state pension age. From that moment on you can receive a pension benefit. An amount is then paid out periodically. You still pay income tax on that, but often a lower tax rate.

Frequently asked questions about investing :

What is a model portfolio?
At many financial institutions you can invest via model portfolios. These match the different risk profiles. Depending on your risk profile, a specific portfolio is recommended. Just like your risk profile, this can vary from very cautious to very risky.
Each model portfolio has a general, standard distribution. With a very risky portfolio, your investment can be 100% invested in shares. A very cautious portfolio does not invest in shares, but rather in bonds and liquidities. By spreading your investment across different categories, the risk is lower.
What is an investment fund?
You can also choose to invest through an investment fund. That is a kind of gathering point for investors. You collectively contribute money together with others. Depending on the type of fund, products are then used to purchase products. The most common funds are:
- equity funds
- mixed funds
- real estate funds
- bond funds
An investment fund often specializes in certain sectors, companies and regions. In this way, risks can be better spread and the aim is to achieve the highest possible return.
Do you want to invest through an investment fund? Please contact your bank or financial advisor for more information.
What does investing money cost?
Do you want to start investing? Then it is smart to inform yourself well about the costs and options. This way you prevent unexpected surprises. The costs of investing differ per situation and per financial institution. The more work you outsource, the higher the costs are often. Example: an asset manager is often more expensive than if you invest yourself with advice from an advisor. Are you going to invest yourself? Then it is good to know that this also entails costs. There are always costs associated with purchasing and selling. Do you trade a lot? Then the costs can quickly add up.
Is investing the right choice for you?
Investing with a high return sounds attractive. But it is wise to first determine whether you actually have the money to invest. First, make sure you have the necessary buffer. You can easily check this via the Nibud buffer calculator . With a buffer you always have enough money on hand.

Why would it be better to be insured with us?

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We compare the best insurers.

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To borrow

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Personal loan

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Borrow money responsibly :

Different car? Renovating your house? We ensure that you can borrow responsibly. With a competitive interest rate, good conditions and a loan that suits your personal and financial situation. Even if you are not our customer.

On this page:

What is a personal loan ?

Advantages of a personal loan :

Compare loans and find the best loan:

In 4 steps to the best loan :

Assured of the best choice:

Frequently asked questions about borrowing money:

What is a personal loan ?

A personal loan is a loan that you take out for personal purposes. Because you receive the amount in one go, you can use it to cover large (unexpected) expenses or make a major purchase. You can choose what you use the money for. There are no restrictions attached to this, such as with a mortgage. You pay back the borrowed amount to the lender every month, together with the interest.

Advantages of a personal loan :

A personal loan has a number of characteristic features. Whether these features are advantages or disadvantages depends on your own situation and wishes.

You will receive the requested amount into your account in one go.
You have clarity in advance. Your monthly costs are the same every month. These consist of part interest and part repayment.
You choose a term of at least 12 and a maximum of 180 months.
In some cases the interest is deductible.
You can repay at any time, but sometimes you pay a penalty interest to the provider. You pay this fine because the loan provider misses out on interest income by repaying it.

Good to know: you immediately start repaying the loan taken out. So keep this in mind.

Compare loans and find the best loan:

Of course, you want to borrow money as responsibly as possible. We are happy to help you with this. Compare the best loans with us on interest and conditions. This way you can be sure that you take out the most suitable loan at the lowest interest rate. We make choosing easy.

In 4 steps to the best loan :

1. Compare the most complete range of loans
Indicate your borrowing purpose, what amount you want to borrow and enter some information about yourself. We will then show you the most complete range of loans available for your situation and wishes. The loan with the lowest interest rate is always at the top.
2. Request a quote without obligation
Have you found the loan of your choice in your loan comparison? Then you can simply request a no-obligation quote online. In the quotation you will find all details and conditions of the loan. You will usually receive this quote the same working day.
3. Sign the quotation and provide documents
Do you want to apply for the loan from the quotation? Then you return the signed quotation, together with the documents requested by the lender. You can easily upload these documents into your personal online environment.
4. Receive the money in your account
The lender checks the documents you provide. If everything is in order, you will receive the money in your account within two working days.

Assured of the best choice:

Most complete offering

Assured of the best choice

Borrowing money: first some more financial insight?

Would you like an overview of the current interest rates before you borrow money? Or insight into your maximum loan amount? We are happy to help you with that too.

Can I afford this house?

Here is a handy calculation tool with which you can quickly calculate: how much can I borrow? This way you will know in an instant whether you can afford the home you have in mind. Good to know before you go house hunting.

Look at

What will my monthly costs be?

Have you found a nice home and are you curious about what your monthly costs will be? With this tool you can not only calculate your maximum mortgage, but also easily calculate monthly mortgage payments.

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View the current interest rates:

View an overview of the current market interest rates for the various providers. We have mapped these out.

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Frequently asked questions about borrowing money :

What is the cheapest personal loan?
The cheapest personal loan mainly depends on the current interest rate. The lower the interest rate, the cheaper the personal loan. Compare loans on our website to find the cheapest personal loan.
Why can't I get a personal loan?
Can't you get a personal loan? Then this probably has to do with payment arrears from the past. You may also have too low an income, which means that the bank thinks that the monthly costs of the personal loan are too high for what you earn.
Can everyone get a personal loan?
Anyone can get a personal loan, but there are conditions attached. For example, your income is used to determine how much your personal loan may be. The bank also checks your BKR registrations . This can make obtaining a personal loan easier or more difficult.
Can I transfer my loan?
You can also transfer your current loan. But it's good to know that there are conditions and sometimes costs involved.
How do you calculate the maximum amount I can borrow?
We think it is important that you borrow responsibly. So we look at your income. But also take into account your fixed costs, such as a mortgage. This way we can accurately estimate your credit limit.
Can I still borrow money with a BKR registration?
If you borrow money, this is registered with the BKR. With this registration it is often still possible to get a loan. Have you fallen behind on payments? Then borrowing becomes a bit more difficult.
How can I borrow money quickly?
Borrow money quickly? Then you want to be sure that you can pay the monthly costs and the interest is low. At Independer we also think it is important that you do not get into trouble due to a loan. Before you can choose your loan, we will first show you whether you can borrow the desired amount responsibly. The amount you can borrow in your situation depends on various factors .
Which products can you compare?
On our website we compare more than 50 different loan products from a large number of lenders. At Independer we compare on interest and conditions, so that you can easily find the best and cheapest loan.
How can I borrow money quickly?
Borrow money quickly? Then you want to be sure that you can pay the monthly costs and the interest is low. At Independer we also think it is important that you do not get into trouble due to a loan. Before you can choose your loan, we will first show you whether you can borrow the desired amount responsibly. The amount you can borrow in your situation depends on various factors .

Why would it be better to be insured with us?

We are there for the customer.
More than 25 years of experience.
Personal contact.
We compare the best insurers.

About us

Insurances

Liability and other miscellaneous

Company assets

Transport and business trip

Traffic

Illness and disability

Save:

Savings rates and interest rates:

Compare deposits: different from regular savings

Deposit Guarantee Scheme:

Save with the highest savings interest rate:

How can I save ten percent of my income?

How can I save more easily?

How high is a good buffer?

How can I save for my (grand) child?

Is it wise to invest?

Insurances

Investing:

Limiting risks: risk profile

Risk appetite and risk opportunity

Investment objective

Investment horizon

What is a model portfolio?

What is an investment fund?

What does investing money cost?

Is investing the right choice for you?

Insurances

To borrow:

1. Compare the most complete range of loans

2. Request a quote without obligation

3. Sign the quotation and provide documents

4. Receive the money in your account

What is the cheapest personal loan?

Why can't I get a personal loan?

Can everyone get a personal loan?

Can I transfer my loan?

How do you calculate the maximum amount I can borrow?

Can I still borrow money with a BKR registration?

How can I borrow money quickly?

Which products can you compare?

How can I borrow money quickly?

Insurances

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