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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 ASN Bank
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ASN BankASN Depositosparen

Deposit · 4 years · ASN Bank N.V. · Netherlands · Directly at the bank
Open an account at ASN Bank
Rate
2.80%
4 years fixed
since 15 Sep 2026
Your return on €100,000
€2,800
per year, annualised · €11,679 total over 4 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 4 years: €11,679.
Interest built up over 4 years
€ 0€ 5k€ 10kstart2 yrs4 yrs€11,679After 1 month: €233.33 rate · balance €100,233.33After 2 months: €466.67 rate · balance €100,466.67

Rate and conditions

BalanceRate
€0 – and up2.80%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
16 Sep 2026
Access
4 years fixed · early withdrawal with loss of interest
Term
4 years
Minimum deposit
€500
Maximum deposit
not stated
Current account required
unknown
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Rente wordt jaarlijks bijgeschreven op het deposito (rente over rente)
  • Minimale storting € 500

Deposit guarantee

€100,000 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 depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
source ↗ · 2 Sep 2026

Rate history

1.75%2.00%2.25%2.50%2.75%3.00%3.25%25 Jan 202623 May 2026now2.80%2.00% from 25 Jan 2026 until 17 May 20262.20% from 17 May 2026 until 2 Sep 20262.60% from 2 Sep 2026 until 15 Sep 20262.80% from 15 Sep 2026 until now
1.75%2.00%2.25%2.50%2.75%

Other offers from ASN Bank

Instant access · 1.30% · Direct1 year · 2.60% · Direct2 years · 2.70% · Direct3 years · 2.75% · Direct5 years · 2.85% · Direct10 years · 3.20% · Direct
After 3 months: €700.00 rate · balance €100,700.00After 4 months: €933.33 rate · balance €100,933.33After 5 months: €1,166.67 rate · balance €101,166.67After 6 months: €1,400.00 rate · balance €101,400.00After 7 months: €1,633.33 rate · balance €101,633.33After 8 months: €1,866.67 rate · balance €101,866.67After 9 months: €2,100.00 rate · balance €102,100.00After 10 months: €2,333.33 rate · balance €102,333.33After 11 months: €2,566.67 rate · balance €102,566.67After 12 months: €2,800.00 rate · balance €102,800.00After 13 months: €3,039.87 rate · balance €103,039.87After 14 months: €3,279.73 rate · balance €103,279.73After 15 months: €3,519.60 rate · balance €103,519.60After 16 months: €3,759.47 rate · balance €103,759.47After 17 months: €3,999.33 rate · balance €103,999.33After 18 months: €4,239.20 rate · balance €104,239.20After 19 months: €4,479.07 rate · balance €104,479.07After 20 months: €4,718.93 rate · balance €104,718.93After 21 months: €4,958.80 rate · balance €104,958.80After 22 months: €5,198.67 rate · balance €105,198.67After 23 months: €5,438.53 rate · balance €105,438.53After 24 months: €5,678.40 rate · balance €105,678.40After 25 months: €5,924.98 rate · balance €105,924.98After 26 months: €6,171.57 rate · balance €106,171.57After 27 months: €6,418.15 rate · balance €106,418.15After 28 months: €6,664.73 rate · balance €106,664.73After 29 months: €6,911.31 rate · balance €106,911.31After 30 months: €7,157.90 rate · balance €107,157.90After 31 months: €7,404.48 rate · balance €107,404.48After 32 months: €7,651.06 rate · balance €107,651.06After 33 months: €7,897.65 rate · balance €107,897.65After 34 months: €8,144.23 rate · balance €108,144.23After 35 months: €8,390.81 rate · balance €108,390.81After 36 months: €8,637.39 rate · balance €108,637.39After 37 months: €8,890.88 rate · balance €108,890.88After 38 months: €9,144.37 rate · balance €109,144.37After 39 months: €9,397.86 rate · balance €109,397.86After 40 months: €9,651.34 rate · balance €109,651.34After 41 months: €9,904.83 rate · balance €109,904.83After 42 months: €10,158.32 rate · balance €110,158.32After 43 months: €10,411.81 rate · balance €110,411.81After 44 months: €10,665.29 rate · balance €110,665.29After 45 months: €10,918.78 rate · balance €110,918.78After 46 months: €11,172.27 rate · balance €111,172.27After 47 months: €11,425.76 rate · balance €111,425.76After 48 months: €11,679.24 rate · balance €111,679.24
€ 0€ 5k€ 10kstart1 yr2 yrs3 yrs4 yrs€11,679After 1 month: €233.33 rate · balance €100,233.33After 2 months: €466.67 rate · balance €100,466.67After 3 months: €700.00 rate · balance €100,700.00After 4 months: €933.33 rate · balance €100,933.33After 5 months: €1,166.67 rate · balance €101,166.67After 6 months: €1,400.00 rate · balance €101,400.00After 7 months: €1,633.33 rate · balance €101,633.33After 8 months: €1,866.67 rate · balance €101,866.67After 9 months: €2,100.00 rate · balance €102,100.00After 10 months: €2,333.33 rate · balance €102,333.33After 11 months: €2,566.67 rate · balance €102,566.67After 12 months: €2,800.00 rate · balance €102,800.00After 13 months: €3,039.87 rate · balance €103,039.87After 14 months: €3,279.73 rate · balance €103,279.73After 15 months: €3,519.60 rate · balance €103,519.60After 16 months: €3,759.47 rate · balance €103,759.47After 17 months: €3,999.33 rate · balance €103,999.33After 18 months: €4,239.20 rate · balance €104,239.20After 19 months: €4,479.07 rate · balance €104,479.07After 20 months: €4,718.93 rate · balance €104,718.93After 21 months: €4,958.80 rate · balance €104,958.80After 22 months: €5,198.67 rate · balance €105,198.67After 23 months: €5,438.53 rate · balance €105,438.53After 24 months: €5,678.40 rate · balance €105,678.40After 25 months: €5,924.98 rate · balance €105,924.98After 26 months: €6,171.57 rate · balance €106,171.57After 27 months: €6,418.15 rate · balance €106,418.15After 28 months: €6,664.73 rate · balance €106,664.73After 29 months: €6,911.31 rate · balance €106,911.31After 30 months: €7,157.90 rate · balance €107,157.90After 31 months: €7,404.48 rate · balance €107,404.48After 32 months: €7,651.06 rate · balance €107,651.06After 33 months: €7,897.65 rate · balance €107,897.65After 34 months: €8,144.23 rate · balance €108,144.23After 35 months: €8,390.81 rate · balance €108,390.81After 36 months: €8,637.39 rate · balance €108,637.39After 37 months: €8,890.88 rate · balance €108,890.88After 38 months: €9,144.37 rate · balance €109,144.37After 39 months: €9,397.86 rate · balance €109,397.86After 40 months: €9,651.34 rate · balance €109,651.34After 41 months: €9,904.83 rate · balance €109,904.83After 42 months: €10,158.32 rate · balance €110,158.32After 43 months: €10,411.81 rate · balance €110,411.81After 44 months: €10,665.29 rate · balance €110,665.29After 45 months: €10,918.78 rate · balance €110,918.78After 46 months: €11,172.27 rate · balance €111,172.27After 47 months: €11,425.76 rate · balance €111,425.76After 48 months: €11,679.24 rate · balance €111,679.24
Per year
AfterInterest up to thenBalance
1 year€2,800€102,800
2 years€5,678€105,678
3 years€8,637€108,637
4 years€11,679€111,679
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.

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

3.00%3.25%25 Jan 202623 May 2026now2.80%2.00% from 25 Jan 2026 until 17 May 20262.20% from 17 May 2026 until 2 Sep 20262.60% from 2 Sep 2026 until 15 Sep 20262.80% from 15 Sep 2026 until now
FromRateUntil
15 Sep 20262.80%current
2 Sep 20262.60%15 Sep 2026
17 May 20262.20%2 Sep 2026web archive
25 Jan 20262.00%17 May 2026web archive

All historic rates of ASN Bank →All savings products of ASN Bank →

  • 15 Sep 2026ASN Bank – ASN Depositosparen (48 mo): 2.60% → 2.80%
  • 2 Sep 2026New: ASN Bank – ASN Depositosparen (48 mo) 2.60%

Rate checked on 19 Sep 2026.