Wie zijn geld op een spaarrekening wil zetten, kan vaak meer rente krijgen bij een kleine bank. De laatste tijd zijn de spaarrentes van met name de kleine banken weer gestegen tot het hoogste niveau sinds medio 2009.
Hoge spaarrentes bij kleine banken
De grote vier Nederlandse banken komen niet voor in de top-10 van banken in Nederland met de hoogste spaarrente. Uit cijfers van vergelijkingssite geld.nl blijkt bijvoorbeeld dat de LeasePlanbank meer dan 1,05 procentpunten meer rente geeft bij een vrij opneembare spaarrekening dan ING. Ondanks de lage rentestand kunnen consumenten dus wel wat meer rente voor hun spaargeld krijgen.
Opvallend is dat twee banken in de top-10 dochterondernemingen zijn van grote Nederlandse banken. MoneYou valt onder ABN Amro en is de WestlandUtrecht Bank onderdeel van de ING Groep.
Kleine banken hebben kapitaal nodig
De kleine banken kunnen hogere spaarrentes aanbieden omdat ze minder kosten hebben. "Vaak regelen ze alles via internet." Bovendien hebben de kleine banken veel meer behoefte aan kapitaal dan de grote banken, waardoor ze bereid zijn op hun spaarrente te concurreren.
Veel mensen sparen liever niet bij een kleine bank, omdat ze hun spaargeld het liefst bij de bank zetten, waar ze ook een betaalrekening hebben. Toch zou het klanten wel wat op kunnen leveren als ze ergens anders sparen, zoals uit de cijfers blijkt. Bovendien worden bedragen tot €100.000,- door het depositogarantiestelsel gegarandeerd.
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