Personal banking features that make life easy
Financial accounts, savings, budgeting, and travel management tools you can manage from your phone.
Our savings products
Flexible saving, A1 (1.45%)
- Monthly interest payment
- Depositing and withdrawing savings is always possible.
- No minimum deposit
- No costs
Quarterly savings account, A2 (1.50%)
- Monthly interest payment & quarterly bonus interest
- Depositing and withdrawing savings is always possible.
- No minimum deposit
- No costs
Time deposit, B1 (up to 3.01%)
- Higher savings rates, interest payment at the end of the term, or annually when the term is longer than 1 year.
- Minimum deposit €250
- No costs
- Fixed term: from 3 months to 10 years
Money Pockets with your own IBAN
Open Money Pockets for bills, savings, travel, and shared goals.
Physical Cards and Digital Cards
Pay in stores and online. Freeze, replace, or set limits in the app.
Save with Auto Round Up
Round up spending and move the difference to savings automatically.
Pay abroad with clear rates
Use your card overseas and track payments with Instant Notifications.
Benefits for you as a savings customer
Saving without a current account
NEOP offers the option to open only a savings account. You link the savings account to the current account at your own bank. A current account at NEOP is not possible.
No minimum deposit
At NEOP, there is no minimum deposit required to open a savings account.
NEOP offers the option to open only a savings account. You link the savings account to the current account at your own bank. A current account at NEOP is not possible.
No minimum deposit
At NEOP, there is no minimum deposit required to open a savings account.
Frequently Asked Questions
You open an account in five simple steps:
Step 1: Fill out the application form.
Click fill out the application form.
Step 2: Create an account.
After completing the application form, you will receive an email containing a button/link to create your account.
Step 3: Upload a photo of your valid proof of identity.
After creating your account and logging in, you will arrive at the screen where you can complete your online identification. Take a photo of your original, valid proof of identity (passport or identity card; not a driver's license) and upload it. We will verify your identity details within 1 business day.
Applied for a savings account in two names?
Then the co-account holder must create their own account and complete the online identification separately.
Step 4: We verify your provided counter account.
As soon as your identity has been verified, we automatically check if your name and bank account number match. We do this by comparing your name with your proof of identity and checking whether the provided account number is actually in your name.
Step 5: Congratulations, your savings account is active.
You will receive a confirmation from us by email. Your savings account is now active.
Log in with the details you created earlier. You will see a questionnaire in your personal banking environment. Fill this out and click submit. Your new savings account number will then be displayed. Next, transfer money from your specified counter account to your NEOP Savings Account and start saving.
If everything is correct, your NEOP Savings Account is ready for use.
Step 1: Fill out the application form.
Click fill out the application form.
Step 2: Create an account.
After completing the application form, you will receive an email containing a button/link to create your account.
Step 3: Upload a photo of your valid proof of identity.
After creating your account and logging in, you will arrive at the screen where you can complete your online identification. Take a photo of your original, valid proof of identity (passport or identity card; not a driver's license) and upload it. We will verify your identity details within 1 business day.
Applied for a savings account in two names?
Then the co-account holder must create their own account and complete the online identification separately.
Step 4: We verify your provided counter account.
As soon as your identity has been verified, we automatically check if your name and bank account number match. We do this by comparing your name with your proof of identity and checking whether the provided account number is actually in your name.
Step 5: Congratulations, your savings account is active.
You will receive a confirmation from us by email. Your savings account is now active.
Log in with the details you created earlier. You will see a questionnaire in your personal banking environment. Fill this out and click submit. Your new savings account number will then be displayed. Next, transfer money from your specified counter account to your NEOP Savings Account and start saving.
If everything is correct, your NEOP Savings Account is ready for use.
Naturally, we do everything we can to make online savings via NEOP as secure as possible. We do this, for example, by sending you a one-time password. You then change this password yourself. In addition, we encrypt all data that you exchange with us via our website. As a result, this data is not readable by third parties. You can recognize this secure environment by the letters 'https' in the internet search bar and by the padlock icon on the screen.
Never disclose your password and/or username to others! Do not reply to emails asking for your username and/or password. Not even if a message appears to be from a bank.
Never disclose your password and/or username to others! Do not reply to emails asking for your username and/or password. Not even if a message appears to be from a bank.
Yes, NEOP is covered by the deposit guarantee scheme.
The Deposit Guarantee Scheme also guarantees a refund of up to €100,000 per person per institution (regardless of the number of accounts) on online savings accounts and term deposits.
Example: In the case of a joint account in two names, the balance is guaranteed up to a maximum of €200,000.00. If a youth savings account is opened in the name of a minor, a maximum guaranteed balance of up to €100,000.00 also applies per minor. There is no deductible.
The Deposit Guarantee Scheme also guarantees a refund of up to €100,000 per person per institution (regardless of the number of accounts) on online savings accounts and term deposits.
Example: In the case of a joint account in two names, the balance is guaranteed up to a maximum of €200,000.00. If a youth savings account is opened in the name of a minor, a maximum guaranteed balance of up to €100,000.00 also applies per minor. There is no deductible.
When we credit the interest depends on the product.
Savings Account (withdrawal available)
We calculate the interest at the end of every month. We transfer the interest amount to you in the first week of the new month. You benefit from the compound interest effect, as you also receive interest on previously credited interest.
Time deposits with a term of up to and including 1 year
On the maturity date of the time deposit, we credit the interest together with the balance to your savings account. The entire balance plus the credited interest is then available for withdrawal free of charge.
Time deposits with a term of 2 years or longer
We credit the interest from time deposits with a term of 2 years or longer to your savings account annually. We do this for the first time 1 year after the start date of the time deposit. From that moment on, you will receive our variable interest on the interest. You can withdraw the interest from your savings account free of charge at any time.
Savings Account (withdrawal available)
We calculate the interest at the end of every month. We transfer the interest amount to you in the first week of the new month. You benefit from the compound interest effect, as you also receive interest on previously credited interest.
Time deposits with a term of up to and including 1 year
On the maturity date of the time deposit, we credit the interest together with the balance to your savings account. The entire balance plus the credited interest is then available for withdrawal free of charge.
Time deposits with a term of 2 years or longer
We credit the interest from time deposits with a term of 2 years or longer to your savings account annually. We do this for the first time 1 year after the start date of the time deposit. From that moment on, you will receive our variable interest on the interest. You can withdraw the interest from your savings account free of charge at any time.