1-year deposit

Deposits of exactly 12 months: your rate is fixed for a year and you know now what you will get at maturity. Suitable for money you will not need in the coming year.

This week 70 rates up, 4 down all changes →

How much do you want to save?

3.03%
best instant access
3.40%
1-year deposit
3.91%
10 years deposit
2.00%
big banks

Highest effective annual rate for €50,000, after promotions and fees

74 offers · 1 year deposits

2 do not fit your amount · showSort by

Deposit guarantee

Bigbank
Termijndeposito· Deposit · 1 year
1 year
no early withdrawal
paid out at maturity · min. €1,000 · max. €100,000
- 1 year fixed · no early withdrawal
Effective annual rate
3.40%

Show 30 offers more

E-mail me when this changes

As soon as the highest rate for deposits changes, you get one e-mail. Every mail has a one-click unsubscribe link.

News and background

All articles →

30 Oct 2026Saving for your child: in your child's name or in your own?
Do you save for your child in an account in their name or in yours? Who owns the money, what happens on their eighteenth birthday, how the deposit guarantee works and what to check when you compare.
23 Oct 2026Savings rate fixed or variable: what suits your money?
A variable savings rate can change any day, a fixed rate is set for the whole term. What makes savings rates move, why nobody can predict them and how you as a saver can deal with that uncertainty.
16 Oct 2026How much savings do you need as a buffer?
A buffer absorbs the broken washing machine and, if need be, a few months without income. How to use your fixed costs to decide how much to keep to hand, where to put it and what to do with everything above it.

Frequently asked questions

Is a one-year deposit better than a savings account?

Only if the fixed rate is higher than what an instant-access account earns that year. The guided choice works that out for your amount: pick 'In a year' and you see the difference per year.

What happens when the deposit matures?

At most banks the money returns to your savings account, or it is locked again at the rate that applies then. Check what the bank does by default when you open it.

Do I pay tax on the interest?

Savings fall under box 3 in the Netherlands: you pay tax on your assets, not directly on the interest you receive. Some foreign banks do withhold tax at source; that is stated for each deposit.