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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 €16,600
€365
per year, annualised · €1,096 total over 3 years
Deposit guarantee
€16,600 fully protected
Dutch scheme

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

Your calculation for €16,600

Gross interest over 3 years: €1,096.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,096After 1 month: €30.43 rate · balance €16,630.43After 2 months: €60.87 rate · balance €16,660.87After 3 months: €91.30 rate · balance €16,691.30After 4 months: €121.73 rate · balance €16,721.73

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

€16,600 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: €152.17 rate · balance €16,752.17After 6 months: €182.60 rate · balance €16,782.60After 7 months: €213.03 rate · balance €16,813.03After 8 months: €243.47 rate · balance €16,843.47After 9 months: €273.90 rate · balance €16,873.90After 10 months: €304.33 rate · balance €16,904.33After 11 months: €334.77 rate · balance €16,934.77After 12 months: €365.20 rate · balance €16,965.20After 13 months: €395.63 rate · balance €16,995.63After 14 months: €426.07 rate · balance €17,026.07After 15 months: €456.50 rate · balance €17,056.50After 16 months: €486.93 rate · balance €17,086.93After 17 months: €517.37 rate · balance €17,117.37After 18 months: €547.80 rate · balance €17,147.80After 19 months: €578.23 rate · balance €17,178.23After 20 months: €608.67 rate · balance €17,208.67After 21 months: €639.10 rate · balance €17,239.10After 22 months: €669.53 rate · balance €17,269.53After 23 months: €699.97 rate · balance €17,299.97After 24 months: €730.40 rate · balance €17,330.40After 25 months: €760.83 rate · balance €17,360.83After 26 months: €791.27 rate · balance €17,391.27After 27 months: €821.70 rate · balance €17,421.70After 28 months: €852.13 rate · balance €17,452.13After 29 months: €882.57 rate · balance €17,482.57After 30 months: €913.00 rate · balance €17,513.00After 31 months: €943.43 rate · balance €17,543.43After 32 months: €973.87 rate · balance €17,573.87After 33 months: €1,004.30 rate · balance €17,604.30After 34 months: €1,034.73 rate · balance €17,634.73After 35 months: €1,065.17 rate · balance €17,665.17After 36 months: €1,095.60 rate · balance €17,695.60
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,096After 1 month: €30.43 rate · balance €16,630.43After 2 months: €60.87 rate · balance €16,660.87After 3 months: €91.30 rate · balance €16,691.30After 4 months: €121.73 rate · balance €16,721.73After 5 months: €152.17 rate · balance €16,752.17After 6 months: €182.60 rate · balance €16,782.60After 7 months: €213.03 rate · balance €16,813.03After 8 months: €243.47 rate · balance €16,843.47After 9 months: €273.90 rate · balance €16,873.90After 10 months: €304.33 rate · balance €16,904.33After 11 months: €334.77 rate · balance €16,934.77After 12 months: €365.20 rate · balance €16,965.20After 13 months: €395.63 rate · balance €16,995.63After 14 months: €426.07 rate · balance €17,026.07After 15 months: €456.50 rate · balance €17,056.50After 16 months: €486.93 rate · balance €17,086.93After 17 months: €517.37 rate · balance €17,117.37After 18 months: €547.80 rate · balance €17,147.80After 19 months: €578.23 rate · balance €17,178.23After 20 months: €608.67 rate · balance €17,208.67After 21 months: €639.10 rate · balance €17,239.10After 22 months: €669.53 rate · balance €17,269.53After 23 months: €699.97 rate · balance €17,299.97After 24 months: €730.40 rate · balance €17,330.40After 25 months: €760.83 rate · balance €17,360.83After 26 months: €791.27 rate · balance €17,391.27After 27 months: €821.70 rate · balance €17,421.70After 28 months: €852.13 rate · balance €17,452.13After 29 months: €882.57 rate · balance €17,482.57After 30 months: €913.00 rate · balance €17,513.00After 31 months: €943.43 rate · balance €17,543.43After 32 months: €973.87 rate · balance €17,573.87After 33 months: €1,004.30 rate · balance €17,604.30After 34 months: €1,034.73 rate · balance €17,634.73After 35 months: €1,065.17 rate · balance €17,665.17After 36 months: €1,095.60 rate · balance €17,695.60
Per year
AfterInterest up to thenBalance
1 year€365€16,965
2 years€730€17,330
3 years€1,096€17,696

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