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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 €100,000
€2,200
per year, annualised · €6,600 total over 3 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 3 years: €6,600.
Interest built up over 3 years
€ 0€ 2,5k€ 5kstart1 yr2 yrs3 yrs€6,600After 1 month: €183.33 rate · balance €100,183.33After 2 months: €366.67 rate · balance €100,366.67After 3 months: €550.00 rate · balance €100,550.00After 4 months: €733.33 rate · balance €100,733.33

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

€100,000 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 19 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 5 months: €916.67 rate · balance €100,916.67After 6 months: €1,100.00 rate · balance €101,100.00After 7 months: €1,283.33 rate · balance €101,283.33After 8 months: €1,466.67 rate · balance €101,466.67After 9 months: €1,650.00 rate · balance €101,650.00After 10 months: €1,833.33 rate · balance €101,833.33After 11 months: €2,016.67 rate · balance €102,016.67After 12 months: €2,200.00 rate · balance €102,200.00After 13 months: €2,383.33 rate · balance €102,383.33After 14 months: €2,566.67 rate · balance €102,566.67After 15 months: €2,750.00 rate · balance €102,750.00After 16 months: €2,933.33 rate · balance €102,933.33After 17 months: €3,116.67 rate · balance €103,116.67After 18 months: €3,300.00 rate · balance €103,300.00After 19 months: €3,483.33 rate · balance €103,483.33After 20 months: €3,666.67 rate · balance €103,666.67After 21 months: €3,850.00 rate · balance €103,850.00After 22 months: €4,033.33 rate · balance €104,033.33After 23 months: €4,216.67 rate · balance €104,216.67After 24 months: €4,400.00 rate · balance €104,400.00After 25 months: €4,583.33 rate · balance €104,583.33After 26 months: €4,766.67 rate · balance €104,766.67After 27 months: €4,950.00 rate · balance €104,950.00After 28 months: €5,133.33 rate · balance €105,133.33After 29 months: €5,316.67 rate · balance €105,316.67After 30 months: €5,500.00 rate · balance €105,500.00After 31 months: €5,683.33 rate · balance €105,683.33After 32 months: €5,866.67 rate · balance €105,866.67After 33 months: €6,050.00 rate · balance €106,050.00After 34 months: €6,233.33 rate · balance €106,233.33After 35 months: €6,416.67 rate · balance €106,416.67After 36 months: €6,600.00 rate · balance €106,600.00
€ 0€ 2,5k€ 5kstart1 yr2 yrs3 yrs€6,600After 1 month: €183.33 rate · balance €100,183.33After 2 months: €366.67 rate · balance €100,366.67After 3 months: €550.00 rate · balance €100,550.00After 4 months: €733.33 rate · balance €100,733.33After 5 months: €916.67 rate · balance €100,916.67After 6 months: €1,100.00 rate · balance €101,100.00After 7 months: €1,283.33 rate · balance €101,283.33After 8 months: €1,466.67 rate · balance €101,466.67After 9 months: €1,650.00 rate · balance €101,650.00After 10 months: €1,833.33 rate · balance €101,833.33After 11 months: €2,016.67 rate · balance €102,016.67After 12 months: €2,200.00 rate · balance €102,200.00After 13 months: €2,383.33 rate · balance €102,383.33After 14 months: €2,566.67 rate · balance €102,566.67After 15 months: €2,750.00 rate · balance €102,750.00After 16 months: €2,933.33 rate · balance €102,933.33After 17 months: €3,116.67 rate · balance €103,116.67After 18 months: €3,300.00 rate · balance €103,300.00After 19 months: €3,483.33 rate · balance €103,483.33After 20 months: €3,666.67 rate · balance €103,666.67After 21 months: €3,850.00 rate · balance €103,850.00After 22 months: €4,033.33 rate · balance €104,033.33After 23 months: €4,216.67 rate · balance €104,216.67After 24 months: €4,400.00 rate · balance €104,400.00After 25 months: €4,583.33 rate · balance €104,583.33After 26 months: €4,766.67 rate · balance €104,766.67After 27 months: €4,950.00 rate · balance €104,950.00After 28 months: €5,133.33 rate · balance €105,133.33After 29 months: €5,316.67 rate · balance €105,316.67After 30 months: €5,500.00 rate · balance €105,500.00After 31 months: €5,683.33 rate · balance €105,683.33After 32 months: €5,866.67 rate · balance €105,866.67After 33 months: €6,050.00 rate · balance €106,050.00After 34 months: €6,233.33 rate · balance €106,233.33After 35 months: €6,416.67 rate · balance €106,416.67After 36 months: €6,600.00 rate · balance €106,600.00
Per year
AfterInterest up to thenBalance
1 year€2,200€102,200
2 years€4,400€104,400
3 years€6,600€106,600

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