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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 €16,800
€370
per year, annualised · €1,109 total over 3 years
Deposit guarantee
€16,800 fully protected
Dutch scheme

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

Your calculation for €16,800

Gross interest over 3 years: €1,109.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,109After 1 month: €30.80 rate · balance €16,830.80After 2 months: €61.60 rate · balance €16,861.60After 3 months: €92.40 rate · balance €16,892.40After 4 months: €123.20 rate · balance €16,923.20

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

€16,800 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: €154 rate · balance €16,954After 6 months: €184.80 rate · balance €16,984.80After 7 months: €215.60 rate · balance €17,015.60After 8 months: €246.40 rate · balance €17,046.40After 9 months: €277.20 rate · balance €17,077.20After 10 months: €308.00 rate · balance €17,108After 11 months: €338.80 rate · balance €17,138.80After 12 months: €369.60 rate · balance €17,169.60After 13 months: €400.40 rate · balance €17,200.40After 14 months: €431.20 rate · balance €17,231.20After 15 months: €462.00 rate · balance €17,262After 16 months: €492.80 rate · balance €17,292.80After 17 months: €523.60 rate · balance €17,323.60After 18 months: €554.40 rate · balance €17,354.40After 19 months: €585.20 rate · balance €17,385.20After 20 months: €616 rate · balance €17,416After 21 months: €646.80 rate · balance €17,446.80After 22 months: €677.60 rate · balance €17,477.60After 23 months: €708.40 rate · balance €17,508.40After 24 months: €739.20 rate · balance €17,539.20After 25 months: €770.00 rate · balance €17,570After 26 months: €800.80 rate · balance €17,600.80After 27 months: €831.60 rate · balance €17,631.60After 28 months: €862.40 rate · balance €17,662.40After 29 months: €893.20 rate · balance €17,693.20After 30 months: €924.00 rate · balance €17,724After 31 months: €954.80 rate · balance €17,754.80After 32 months: €985.60 rate · balance €17,785.60After 33 months: €1,016.40 rate · balance €17,816.40After 34 months: €1,047.20 rate · balance €17,847.20After 35 months: €1,078.00 rate · balance €17,878After 36 months: €1,108.80 rate · balance €17,908.80
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,109After 1 month: €30.80 rate · balance €16,830.80After 2 months: €61.60 rate · balance €16,861.60After 3 months: €92.40 rate · balance €16,892.40After 4 months: €123.20 rate · balance €16,923.20After 5 months: €154 rate · balance €16,954After 6 months: €184.80 rate · balance €16,984.80After 7 months: €215.60 rate · balance €17,015.60After 8 months: €246.40 rate · balance €17,046.40After 9 months: €277.20 rate · balance €17,077.20After 10 months: €308.00 rate · balance €17,108After 11 months: €338.80 rate · balance €17,138.80After 12 months: €369.60 rate · balance €17,169.60After 13 months: €400.40 rate · balance €17,200.40After 14 months: €431.20 rate · balance €17,231.20After 15 months: €462.00 rate · balance €17,262After 16 months: €492.80 rate · balance €17,292.80After 17 months: €523.60 rate · balance €17,323.60After 18 months: €554.40 rate · balance €17,354.40After 19 months: €585.20 rate · balance €17,385.20After 20 months: €616 rate · balance €17,416After 21 months: €646.80 rate · balance €17,446.80After 22 months: €677.60 rate · balance €17,477.60After 23 months: €708.40 rate · balance €17,508.40After 24 months: €739.20 rate · balance €17,539.20After 25 months: €770.00 rate · balance €17,570After 26 months: €800.80 rate · balance €17,600.80After 27 months: €831.60 rate · balance €17,631.60After 28 months: €862.40 rate · balance €17,662.40After 29 months: €893.20 rate · balance €17,693.20After 30 months: €924.00 rate · balance €17,724After 31 months: €954.80 rate · balance €17,754.80After 32 months: €985.60 rate · balance €17,785.60After 33 months: €1,016.40 rate · balance €17,816.40After 34 months: €1,047.20 rate · balance €17,847.20After 35 months: €1,078.00 rate · balance €17,878After 36 months: €1,108.80 rate · balance €17,908.80
Per year
AfterInterest up to thenBalance
1 year€370€17,170
2 years€739€17,539
3 years€1,109€17,909

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