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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 €25,000
€550
per year, annualised · €1,650 total over 3 years
Deposit guarantee
€25,000 fully protected
Dutch scheme

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

Your calculation for €25,000

Gross interest over 3 years: €1,650.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,650After 1 month: €45.83 rate · balance €25,045.83After 2 months: €91.67 rate · balance €25,091.67After 3 months: €137.50 rate · balance €25,137.50After 4 months: €183.33 rate · balance €25,183.33After 5 months: €229.17 rate · balance €25,229.17After 6 months: €275.00 rate · balance €25,275.00

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

€25,000 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 7 months: €320.83 rate · balance €25,320.83After 8 months: €366.67 rate · balance €25,366.67After 9 months: €412.50 rate · balance €25,412.50After 10 months: €458.33 rate · balance €25,458.33After 11 months: €504.17 rate · balance €25,504.17After 12 months: €550.00 rate · balance €25,550.00After 13 months: €595.83 rate · balance €25,595.83After 14 months: €641.67 rate · balance €25,641.67After 15 months: €687.50 rate · balance €25,687.50After 16 months: €733.33 rate · balance €25,733.33After 17 months: €779.17 rate · balance €25,779.17After 18 months: €825.00 rate · balance €25,825.00After 19 months: €870.83 rate · balance €25,870.83After 20 months: €916.67 rate · balance €25,916.67After 21 months: €962.50 rate · balance €25,962.50After 22 months: €1,008.33 rate · balance €26,008.33After 23 months: €1,054.17 rate · balance €26,054.17After 24 months: €1,100.00 rate · balance €26,100.00After 25 months: €1,145.83 rate · balance €26,145.83After 26 months: €1,191.67 rate · balance €26,191.67After 27 months: €1,237.50 rate · balance €26,237.50After 28 months: €1,283.33 rate · balance €26,283.33After 29 months: €1,329.17 rate · balance €26,329.17After 30 months: €1,375.00 rate · balance €26,375.00After 31 months: €1,420.83 rate · balance €26,420.83After 32 months: €1,466.67 rate · balance €26,466.67After 33 months: €1,512.50 rate · balance €26,512.50After 34 months: €1,558.33 rate · balance €26,558.33After 35 months: €1,604.17 rate · balance €26,604.17After 36 months: €1,650.00 rate · balance €26,650.00
€ 0€ 1kstart1 yr2 yrs3 yrs€1,650After 1 month: €45.83 rate · balance €25,045.83After 2 months: €91.67 rate · balance €25,091.67After 3 months: €137.50 rate · balance €25,137.50After 4 months: €183.33 rate · balance €25,183.33After 5 months: €229.17 rate · balance €25,229.17After 6 months: €275.00 rate · balance €25,275.00After 7 months: €320.83 rate · balance €25,320.83After 8 months: €366.67 rate · balance €25,366.67After 9 months: €412.50 rate · balance €25,412.50After 10 months: €458.33 rate · balance €25,458.33After 11 months: €504.17 rate · balance €25,504.17After 12 months: €550.00 rate · balance €25,550.00After 13 months: €595.83 rate · balance €25,595.83After 14 months: €641.67 rate · balance €25,641.67After 15 months: €687.50 rate · balance €25,687.50After 16 months: €733.33 rate · balance €25,733.33After 17 months: €779.17 rate · balance €25,779.17After 18 months: €825.00 rate · balance €25,825.00After 19 months: €870.83 rate · balance €25,870.83After 20 months: €916.67 rate · balance €25,916.67After 21 months: €962.50 rate · balance €25,962.50After 22 months: €1,008.33 rate · balance €26,008.33After 23 months: €1,054.17 rate · balance €26,054.17After 24 months: €1,100.00 rate · balance €26,100.00After 25 months: €1,145.83 rate · balance €26,145.83After 26 months: €1,191.67 rate · balance €26,191.67After 27 months: €1,237.50 rate · balance €26,237.50After 28 months: €1,283.33 rate · balance €26,283.33After 29 months: €1,329.17 rate · balance €26,329.17After 30 months: €1,375.00 rate · balance €26,375.00After 31 months: €1,420.83 rate · balance €26,420.83After 32 months: €1,466.67 rate · balance €26,466.67After 33 months: €1,512.50 rate · balance €26,512.50After 34 months: €1,558.33 rate · balance €26,558.33After 35 months: €1,604.17 rate · balance €26,604.17After 36 months: €1,650.00 rate · balance €26,650.00
Per year
AfterInterest up to thenBalance
1 year€550€25,550
2 years€1,100€26,100
3 years€1,650€26,650

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