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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.

Open an account at ABN AMRO
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ABN AMROSpaar Deposito

Deposit · 3 years · ABN AMRO Bank N.V. · Netherlands · Directly at the bank
Current account required
Open an account at ABN AMRO
Rate
2.20%
3 years fixed
Your return on €10,000
€220
per year, annualised · €660 total over 3 years
Deposit guarantee
€10,000 fully protected
Dutch scheme

ABN AMRO Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €10,000

Gross interest over 3 years: €660.
Interest built up over 3 years
€ 0€ 250€ 500start1 yr2 yrs3 yrs€660After 1 month: €18.33 rate · balance €10,018.33After 2 months: €36.67 rate · balance €10,036.67After 3 months: €55.00 rate · balance €10,055.00After 4 months: €73.33 rate · balance €10,073.33After 5 months: €91.67 rate · balance €10,091.67

Rate and conditions

BalanceRate
€0 – and up2.20%
Interest payout
yearly, paid out
Fees
none
Rate valid since
20 Aug 2026
Access
3 years fixed · early withdrawal with loss of interest
Term
3 years
Minimum deposit
€500
Maximum deposit
€250,000
Current account required
yes
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Rente wordt jaarlijks (looptijd > 1 jaar) of aan het einde van de looptijd uitgekeerd
  • Eén storting per deposito; maximaal € 10 miljoen aan Spaar Deposito's per klant
  • Tussentijds opnemen of beëindigen kost meestal een boete

Deposit guarantee

€10,000 fully protected
Dutch scheme

ABN AMRO Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Licence and verification
Institution
ABN AMRO Bank N.V.
Status
Verified European deposit guarantee scheme
Scheme
Nederlandse Depositogarantie (DGS) (Netherlands)
Guarantee
€100,000 per person per institution
Verification
DNB-register Nederlandse depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
source ↗ · 2 Sep 2026
Taxes
Country
Netherlands
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Nederland kent geen bronbelasting op spaarrente.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Rate history

2.20% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of ABN AMRO →All savings products of ABN AMRO →

  • 2 Sep 2026New: ABN AMRO – Spaar Deposito (36 mo) 2.20%

Rate checked on 18 Sep 2026.

Other offers from ABN AMRO

Instant access · 1.25% · DirectInstant access · 1.25% · Direct1 year · 1.75% · Direct1 year · 2.00% · Direct2 years · 2.15% · Direct5 years · 2.50% · Direct10 years · 2.90% · Direct
After 6 months: €110.00 rate · balance €10,110.00After 7 months: €128.33 rate · balance €10,128.33After 8 months: €146.67 rate · balance €10,146.67After 9 months: €165.00 rate · balance €10,165.00After 10 months: €183.33 rate · balance €10,183.33After 11 months: €201.67 rate · balance €10,201.67After 12 months: €220.00 rate · balance €10,220.00After 13 months: €238.33 rate · balance €10,238.33After 14 months: €256.67 rate · balance €10,256.67After 15 months: €275.00 rate · balance €10,275.00After 16 months: €293.33 rate · balance €10,293.33After 17 months: €311.67 rate · balance €10,311.67After 18 months: €330.00 rate · balance €10,330.00After 19 months: €348.33 rate · balance €10,348.33After 20 months: €366.67 rate · balance €10,366.67After 21 months: €385.00 rate · balance €10,385.00After 22 months: €403.33 rate · balance €10,403.33After 23 months: €421.67 rate · balance €10,421.67After 24 months: €440.00 rate · balance €10,440.00After 25 months: €458.33 rate · balance €10,458.33After 26 months: €476.67 rate · balance €10,476.67After 27 months: €495.00 rate · balance €10,495.00After 28 months: €513.33 rate · balance €10,513.33After 29 months: €531.67 rate · balance €10,531.67After 30 months: €550.00 rate · balance €10,550.00After 31 months: €568.33 rate · balance €10,568.33After 32 months: €586.67 rate · balance €10,586.67After 33 months: €605.00 rate · balance €10,605.00After 34 months: €623.33 rate · balance €10,623.33After 35 months: €641.67 rate · balance €10,641.67After 36 months: €660.00 rate · balance €10,660.00
€ 0€ 250€ 500start1 yr2 yrs3 yrs€660After 1 month: €18.33 rate · balance €10,018.33After 2 months: €36.67 rate · balance €10,036.67After 3 months: €55.00 rate · balance €10,055.00After 4 months: €73.33 rate · balance €10,073.33After 5 months: €91.67 rate · balance €10,091.67After 6 months: €110.00 rate · balance €10,110.00After 7 months: €128.33 rate · balance €10,128.33After 8 months: €146.67 rate · balance €10,146.67After 9 months: €165.00 rate · balance €10,165.00After 10 months: €183.33 rate · balance €10,183.33After 11 months: €201.67 rate · balance €10,201.67After 12 months: €220.00 rate · balance €10,220.00After 13 months: €238.33 rate · balance €10,238.33After 14 months: €256.67 rate · balance €10,256.67After 15 months: €275.00 rate · balance €10,275.00After 16 months: €293.33 rate · balance €10,293.33After 17 months: €311.67 rate · balance €10,311.67After 18 months: €330.00 rate · balance €10,330.00After 19 months: €348.33 rate · balance €10,348.33After 20 months: €366.67 rate · balance €10,366.67After 21 months: €385.00 rate · balance €10,385.00After 22 months: €403.33 rate · balance €10,403.33After 23 months: €421.67 rate · balance €10,421.67After 24 months: €440.00 rate · balance €10,440.00After 25 months: €458.33 rate · balance €10,458.33After 26 months: €476.67 rate · balance €10,476.67After 27 months: €495.00 rate · balance €10,495.00After 28 months: €513.33 rate · balance €10,513.33After 29 months: €531.67 rate · balance €10,531.67After 30 months: €550.00 rate · balance €10,550.00After 31 months: €568.33 rate · balance €10,568.33After 32 months: €586.67 rate · balance €10,586.67After 33 months: €605.00 rate · balance €10,605.00After 34 months: €623.33 rate · balance €10,623.33After 35 months: €641.67 rate · balance €10,641.67After 36 months: €660.00 rate · balance €10,660.00
Per year
AfterInterest up to thenBalance
1 year€220€10,220
2 years€440€10,440
3 years€660€10,660

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe