How to build a buffer for later with Brand New Day

Taking care of investments and retirement is tricky enough as it is. Let alone when you live abroad and don’t know what the possibilities are. That’s why we want to help you find your way. On this page you’ll find all the information you need about retirement and financial planning for the future through investing and saving with Brand New Day in the Netherlands.

Welcome to Brand New Day

We are a bank from the Netherlands. An online bank, but a real, official bank nonetheless. We have been around since 2010, and manage over € 5 billion for our clients. 

You can’t open a checking account with us, or take out a loan. We focus on one aspect of the banking business: helping people grow a financial buffer for the future. You can open a pension account with us (which comes with significant tax benefits), and/or a regular savings or investment account. The latter don’t have any tax benefits. But, unlike a pension account, they allow you to take out all of your money at any time. 

Once you reach retirement age, you can also choose to take out an annuity payment with us. 

Our services are open to anyone (except U.S. citizens and a few other exceptions*) who lives and pays income tax in the European Economic Area, has a checking account with a Dutch bank, and has a Dutch mobile phone number. 

Why would you open an account with us?

It’s always a good idea to think about your financial future. If you work as a freelancer or have your own company, it’s smart to build up a pension. And even if you build up pension via your employer, this often won’t be enough to live the life you may want to. That’s why Brand New Day offers different products to offer you the opportunity to build (additional) pension through saving and investing. 

We don’t believe in ‘fast money’. If you crave excitement and the day-to-day thrill of the stock market, we are not the right choice for you. We invest your money in the best way we know: with low costs, wide diversification, following indexes, looking steadily ahead. Whatever happens on the international stock exchanges: don’t get involved. ‘Slow money’ is what makes you rich. It just takes a little longer. 

Sound good? Learn more about our products. 

Investment retirement account

Retirement, a challenge? Not with Brand New Day. With our retirement accounts, you will be investing in a decent income for later and get a lot of tax benefits in return. The main benefits:

Investment account

Fed up with negative savings rates? And inflation that only reduces the value of your savings? With our investment account, you will be creating a buffer for the future. The main benefits:

Savings account

Like all other Dutch banks, we are supervised by the central bank. Your savings are covered by the Dutch Deposit Guarantee. This means that your savings with us are protected on behalf of the Dutch government should Brand New Day ever go bankrupt. You’ll be protected for any amount up to € 100,000.

The interest rate is 1,75% per year, regardless of how much is in the account. We calculate your interest daily, based on each full day your money is in the account. We will then credit (or debit) the interest to (or from) your account monthly. The interest rate is variable: it can rise or fall at any time. You can deposit when and how much you want, withdraw whenever you want and cancel whenever you want. There are no obligations. If you ever need any assistance, just get in touch.


Are you planning to relocate? When you move abroad, this usually won’t affect your Brand New Day account(s). However, it is of course important to be aware of any tax implications resulting from the relocation. Here are the 3 options if you relocate abroad while holding a Brand New Day account.

Are you relocating to an EEA country? If so, you can keep your accounts under the condition that you have a Dutch IBAN and BSN.

Are you relocating to a country in this list? Then we unfortunately have to end the relationship and close the account. This has several financial implications. First, you will have to pay back all the tax you received from the Dutch tax authorities. This is 52% of your total amount. In addition, the 2022 surrender limit is €4,607. If the total value of the account exceeds this amount, the tax authorities can charge revision interest of up to 20% of the total surrender value.

Are you relocating to a country not listed above? Then you should be able to keep your account.

Unsure about whether you can keep your account? Or do you have any other questions? If so, check out the additional conditions.

Are you eligible to open an account with us?

Check this overview to make sure!


This page has been created for commercial objectives only and does not contain all information.

For additional needed information we would like you to visit our other pages on our website or make a call appointment with our information service desk which is entirely cost-free.

Risk-free investing does not exist. There is a chance of losing your invested amount. Read more about the risks of investing.

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