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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Banks and deposit guarantee

Centraal Beheer

Achmea Bank N.V. · Netherlands · supervised by DNB
Website
Offers
13
Instant access
1.61%
highest effective
Deposit
3.35%
highest effective
Deposit guarantee
Until €100,000
Netherlands scheme

Offers from Centraal Beheer

ProductTypeRateEffectiveYour return
RentePlús RekeningInstant access1.60%
▲ 0.10Rate over the last 365 days. Raised on 2 Sep 2026 from 1.50% to 1.60%.
1.61%€403
interest per year
Details
RenteVast RekeningDeposit · 1 year1.90%
▲ 0.05Rate over the last 365 days. Raised on 14 Sep 2026 from 1.85% to 1.90%.
1.92%€479
interest per year
Details

Saving at Centraal Beheer

Centraal Beheer is a brand of Achmea Bank N.V., a bank from Netherlands, supervised by DNB. You open an account with the bank itself, online.

For €25,000 we list 1 instant-access account and 12 deposits from Centraal Beheer, with terms from 1 year to 20 years. The best instant-access account, RentePlús Rekening, pays an effective 1.61% a year. The highest instant-access rate in our comparison is 3.04% right now. The best-paying deposit runs for 20 years at an effective 3.35% a year.

The lowest minimum deposit is €500.

Savings at Centraal Beheer fall under Nederlandse Depositogarantie (DGS), the statutory deposit guarantee scheme of Netherlands, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Netherlands does not withhold tax on the interest of a saver who lives in the Netherlands.

What is the savings rate at Centraal Beheer?
At Centraal Beheer the highest effective annual rate for €25,000 is currently 1.61% on instant-access savings and 3.35% on a 20 years deposit. The table on this page has every offer with its rate and conditions.
Is my money safe at Centraal Beheer?
Centraal Beheer (Achmea Bank N.V.) takes part in Nederlandse Depositogarantie (DGS). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
Do I pay withholding tax on interest from Centraal Beheer?
Netherlands does not withhold tax on the interest of a saver who lives in the Netherlands.
How do I open an account at Centraal Beheer?
You open an account with the bank itself, online.

Deposit guarantee and licence

Institution
Achmea Bank N.V.
Status
Verified European deposit guarantee scheme
Scheme
Nederlandse Depositogarantie (DGS)
Guarantee
€100,000 per person per institution
Licence
DNB B0410
Verification
DNB-register Nederlandse depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
source ↗ · 2 Sep 2026

Recent changes

Rate historyRSS
  • 16 Sep 2026, 01:54 · Limit changedCentraal Beheer – RentePlús Rekening: limits changed (min –→0, max –→–, rate cap –→–)
  • 14 Sep 2026, 14:26 · Rate upCentraal Beheer – RenteVast Rekening (48 mo): 2.50% → 2.60%
  • 14 Sep 2026, 14:26 · Rate upCentraal Beheer – RenteVast Rekening (36 mo): 2.20% → 2.30%
  • 14 Sep 2026, 14:26 · Rate upCentraal Beheer – RenteVast Rekening (24 mo): 2.00% → 2.10%
RenteVast RekeningDeposit · 2 years2.10%
▲ 0.10Rate over the last 365 days. Raised on 14 Sep 2026 from 2.00% to 2.10%.
2.12%€530
per year, annualised
Details
RenteVast RekeningDeposit · 3 years2.30%
▲ 0.10Rate over the last 365 days. Raised on 14 Sep 2026 from 2.20% to 2.30%.
2.32%€581
per year, annualised
Details
RenteVast RekeningDeposit · 4 years2.60%
▲ 0.10Rate over the last 365 days. Raised on 14 Sep 2026 from 2.50% to 2.60%.
2.63%€658
per year, annualised
Details
RenteVast RekeningDeposit · 5 years2.75%
▲ 0.15Rate over the last 365 days. Raised on 14 Sep 2026 from 2.60% to 2.75%.
2.78%€696
per year, annualised
Details
RenteVast RekeningDeposit · 6 years2.75%
▲ 0.10Rate over the last 365 days. Raised on 14 Sep 2026 from 2.65% to 2.75%.
2.78%€696
per year, annualised
Details
RenteVast RekeningDeposit · 7 years2.75%
▲ 0.15Rate over the last 365 days. Raised on 2 Sep 2026 from 2.60% to 2.75%.
2.78%€696
per year, annualised
Details
RenteVast RekeningDeposit · 8 years2.80%
▲ 0.15Rate over the last 365 days. Raised on 2 Sep 2026 from 2.65% to 2.80%.
2.84%€709
per year, annualised
Details
RenteVast RekeningDeposit · 9 years2.85%
▲ 0.15Rate over the last 365 days. Raised on 2 Sep 2026 from 2.70% to 2.85%.
2.89%€722
per year, annualised
Details
RenteVast RekeningDeposit · 10 years3.10%
▲ 0.10Rate over the last 365 days. Raised on 14 Sep 2026 from 3.00% to 3.10%.
3.14%€786
per year, annualised
Details
RenteVast RekeningDeposit · 15 years3.15%
3.20%€799
per year, annualised
Details
RenteVast RekeningDeposit · 20 years3.30%
3.35%€838
per year, annualised
Details
  • RentePlús Rekening1.60% · 1.61% effective · since 2 Sep 2026€403interest per year
  • Deposit 1 year1.90% · 1.92% effective · since 14 Sep 2026€479interest per year
  • Deposit 2 years2.10% · 2.12% effective · since 14 Sep 2026€530per year, annualised
  • Deposit 3 years2.30% · 2.32% effective · since 14 Sep 2026€581per year, annualised
  • Deposit 4 years2.60% · 2.63% effective · since 14 Sep 2026€658per year, annualised
  • Deposit 5 years2.75% · 2.78% effective · since 14 Sep 2026€696per year, annualised
  • Deposit 6 years2.75% · 2.78% effective · since 14 Sep 2026€696per year, annualised
  • Deposit 7 years2.75% · 2.78% effective · since 2 Sep 2026€696per year, annualised
  • Deposit 8 years2.80% · 2.84% effective · since 2 Sep 2026€709per year, annualised
  • Deposit 9 years2.85% · 2.89% effective · since 2 Sep 2026€722per year, annualised
  • Deposit 10 years3.10% · 3.14% effective · since 14 Sep 2026€786per year, annualised
  • Deposit 15 years3.15% · 3.20% effective · since 2 Sep 2026€799per year, annualised
  • Deposit 20 years3.30% · 3.35% effective · since 2 Sep 2026€838per year, annualised
14 Sep 2026, 14:26 · Rate up
Centraal Beheer – RenteVast Rekening (60 mo): 2.60% → 2.75%
  • 14 Sep 2026, 14:26 · Rate upCentraal Beheer – RenteVast Rekening (120 mo): 3.00% → 3.10%
  • 14 Sep 2026, 14:26 · Rate upCentraal Beheer – RenteVast Rekening (72 mo): 2.65% → 2.75%
  • 14 Sep 2026, 14:26 · Rate upCentraal Beheer – RenteVast Rekening (12 mo): 1.85% → 1.90%
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