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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 €16,600
€465
per year, annualised · €1,939 total over 4 years
Deposit guarantee
€16,600 fully protected
Dutch scheme

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

Your calculation for €16,600

Gross interest over 4 years: €1,939.
Interest built up over 4 years
€ 0€ 1kstart2 yrs4 yrs€1,939After 1 month: €38.73 rate · balance €16,638.73After 2 months: €77.47 rate · balance €16,677.47After 3 months: €116.20 rate · balance €16,716.20After 4 months: €154.93 rate · balance €16,754.93

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

€16,600 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 5 months: €193.67 rate · balance €16,793.67After 6 months: €232.40 rate · balance €16,832.40After 7 months: €271.13 rate · balance €16,871.13After 8 months: €309.87 rate · balance €16,909.87After 9 months: €348.60 rate · balance €16,948.60After 10 months: €387.33 rate · balance €16,987.33After 11 months: €426.07 rate · balance €17,026.07After 12 months: €464.80 rate · balance €17,064.80After 13 months: €504.62 rate · balance €17,104.62After 14 months: €544.44 rate · balance €17,144.44After 15 months: €584.25 rate · balance €17,184.25After 16 months: €624.07 rate · balance €17,224.07After 17 months: €663.89 rate · balance €17,263.89After 18 months: €703.71 rate · balance €17,303.71After 19 months: €743.52 rate · balance €17,343.52After 20 months: €783.34 rate · balance €17,383.34After 21 months: €823.16 rate · balance €17,423.16After 22 months: €862.98 rate · balance €17,462.98After 23 months: €902.80 rate · balance €17,502.80After 24 months: €942.61 rate · balance €17,542.61After 25 months: €983.55 rate · balance €17,583.55After 26 months: €1,024.48 rate · balance €17,624.48After 27 months: €1,065.41 rate · balance €17,665.41After 28 months: €1,106.35 rate · balance €17,706.35After 29 months: €1,147.28 rate · balance €17,747.28After 30 months: €1,188.21 rate · balance €17,788.21After 31 months: €1,229.14 rate · balance €17,829.14After 32 months: €1,270.08 rate · balance €17,870.08After 33 months: €1,311.01 rate · balance €17,911.01After 34 months: €1,351.94 rate · balance €17,951.94After 35 months: €1,392.88 rate · balance €17,992.88After 36 months: €1,433.81 rate · balance €18,033.81After 37 months: €1,475.89 rate · balance €18,075.89After 38 months: €1,517.97 rate · balance €18,117.97After 39 months: €1,560.04 rate · balance €18,160.04After 40 months: €1,602.12 rate · balance €18,202.12After 41 months: €1,644.20 rate · balance €18,244.20After 42 months: €1,686.28 rate · balance €18,286.28After 43 months: €1,728.36 rate · balance €18,328.36After 44 months: €1,770.44 rate · balance €18,370.44After 45 months: €1,812.52 rate · balance €18,412.52After 46 months: €1,854.60 rate · balance €18,454.60After 47 months: €1,896.68 rate · balance €18,496.68After 48 months: €1,938.75 rate · balance €18,538.75
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs€1,939After 1 month: €38.73 rate · balance €16,638.73After 2 months: €77.47 rate · balance €16,677.47After 3 months: €116.20 rate · balance €16,716.20After 4 months: €154.93 rate · balance €16,754.93After 5 months: €193.67 rate · balance €16,793.67After 6 months: €232.40 rate · balance €16,832.40After 7 months: €271.13 rate · balance €16,871.13After 8 months: €309.87 rate · balance €16,909.87After 9 months: €348.60 rate · balance €16,948.60After 10 months: €387.33 rate · balance €16,987.33After 11 months: €426.07 rate · balance €17,026.07After 12 months: €464.80 rate · balance €17,064.80After 13 months: €504.62 rate · balance €17,104.62After 14 months: €544.44 rate · balance €17,144.44After 15 months: €584.25 rate · balance €17,184.25After 16 months: €624.07 rate · balance €17,224.07After 17 months: €663.89 rate · balance €17,263.89After 18 months: €703.71 rate · balance €17,303.71After 19 months: €743.52 rate · balance €17,343.52After 20 months: €783.34 rate · balance €17,383.34After 21 months: €823.16 rate · balance €17,423.16After 22 months: €862.98 rate · balance €17,462.98After 23 months: €902.80 rate · balance €17,502.80After 24 months: €942.61 rate · balance €17,542.61After 25 months: €983.55 rate · balance €17,583.55After 26 months: €1,024.48 rate · balance €17,624.48After 27 months: €1,065.41 rate · balance €17,665.41After 28 months: €1,106.35 rate · balance €17,706.35After 29 months: €1,147.28 rate · balance €17,747.28After 30 months: €1,188.21 rate · balance €17,788.21After 31 months: €1,229.14 rate · balance €17,829.14After 32 months: €1,270.08 rate · balance €17,870.08After 33 months: €1,311.01 rate · balance €17,911.01After 34 months: €1,351.94 rate · balance €17,951.94After 35 months: €1,392.88 rate · balance €17,992.88After 36 months: €1,433.81 rate · balance €18,033.81After 37 months: €1,475.89 rate · balance €18,075.89After 38 months: €1,517.97 rate · balance €18,117.97After 39 months: €1,560.04 rate · balance €18,160.04After 40 months: €1,602.12 rate · balance €18,202.12After 41 months: €1,644.20 rate · balance €18,244.20After 42 months: €1,686.28 rate · balance €18,286.28After 43 months: €1,728.36 rate · balance €18,328.36After 44 months: €1,770.44 rate · balance €18,370.44After 45 months: €1,812.52 rate · balance €18,412.52After 46 months: €1,854.60 rate · balance €18,454.60After 47 months: €1,896.68 rate · balance €18,496.68After 48 months: €1,938.75 rate · balance €18,538.75
Per year
AfterInterest up to thenBalance
1 year€465€17,065
2 years€943€17,543
3 years€1,434€18,034
4 years€1,939€18,539
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 18 Sep 2026.