ASN BankASN Sparen
Instant access · ASN Bank N.V. · Netherlands · Directly at the bank
- Rate
- 1.30%
- variable
- since 2 Sep 2026
- EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The rate differs per balance tier. Interest is compounded during the term and earns interest on interest.
- 1.31%
- for €16,800
- Your return on €16,800
- €220
- interest per year
- Deposit guarantee
- €16,800 fully protectedDutch scheme
ASN Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €16,800
Gross interest over 1 year: €220.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – €25,000 | 1.30% |
| €25,000 – €50,000 | 1.20% |
| €50,000 – €100,000 | 1.20% |
| €100,000 – and up | 1.00% |
- Tiers
- per tier (marginal)
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 18 Nov 2025
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- unknown
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Rente per saldoklasse; je krijgt elke maand rente
- De rente is variabel en kan veranderen
Deposit guarantee
€16,800 fully protected
Dutch scheme
ASN Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
How is my money protected?
ASN Bank N.V. (ASN Bank, SNS, RegioBank) share one banking licence: balances at these brands count together for the guarantee.
Licence and verification
- Institution
- ASN 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 depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Taxes
- Country
- Netherlands
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 2 Sep 2026 | 1.30% | current |
| 25 Jan 2026 | 1.30% | 2 Sep 2026web archive |
All historic rates of ASN Bank →All savings products of ASN Bank →
- 2 Sep 2026New: ASN Bank – ASN Sparen 1.30%
Rate checked on 2 Nov 2026.