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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 €25,000
€700
per year, annualised · €2,920 total over 4 years
Deposit guarantee
€25,000 fully protected
Dutch scheme

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

Your calculation for €25,000

Gross interest over 4 years: €2,920.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,920After 1 month: €58.33 rate · balance €25,058.33After 2 months: €116.67 rate · balance €25,116.67

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

€25,000 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: €175.00 rate · balance €25,175.00After 4 months: €233.33 rate · balance €25,233.33After 5 months: €291.67 rate · balance €25,291.67After 6 months: €350.00 rate · balance €25,350.00After 7 months: €408.33 rate · balance €25,408.33After 8 months: €466.67 rate · balance €25,466.67After 9 months: €525.00 rate · balance €25,525.00After 10 months: €583.33 rate · balance €25,583.33After 11 months: €641.67 rate · balance €25,641.67After 12 months: €700.00 rate · balance €25,700.00After 13 months: €759.97 rate · balance €25,759.97After 14 months: €819.93 rate · balance €25,819.93After 15 months: €879.90 rate · balance €25,879.90After 16 months: €939.87 rate · balance €25,939.87After 17 months: €999.83 rate · balance €25,999.83After 18 months: €1,059.80 rate · balance €26,059.80After 19 months: €1,119.77 rate · balance €26,119.77After 20 months: €1,179.73 rate · balance €26,179.73After 21 months: €1,239.70 rate · balance €26,239.70After 22 months: €1,299.67 rate · balance €26,299.67After 23 months: €1,359.63 rate · balance €26,359.63After 24 months: €1,419.60 rate · balance €26,419.60After 25 months: €1,481.25 rate · balance €26,481.25After 26 months: €1,542.89 rate · balance €26,542.89After 27 months: €1,604.54 rate · balance €26,604.54After 28 months: €1,666.18 rate · balance €26,666.18After 29 months: €1,727.83 rate · balance €26,727.83After 30 months: €1,789.47 rate · balance €26,789.47After 31 months: €1,851.12 rate · balance €26,851.12After 32 months: €1,912.77 rate · balance €26,912.77After 33 months: €1,974.41 rate · balance €26,974.41After 34 months: €2,036.06 rate · balance €27,036.06After 35 months: €2,097.70 rate · balance €27,097.70After 36 months: €2,159.35 rate · balance €27,159.35After 37 months: €2,222.72 rate · balance €27,222.72After 38 months: €2,286.09 rate · balance €27,286.09After 39 months: €2,349.46 rate · balance €27,349.46After 40 months: €2,412.84 rate · balance €27,412.84After 41 months: €2,476.21 rate · balance €27,476.21After 42 months: €2,539.58 rate · balance €27,539.58After 43 months: €2,602.95 rate · balance €27,602.95After 44 months: €2,666.32 rate · balance €27,666.32After 45 months: €2,729.69 rate · balance €27,729.69After 46 months: €2,793.07 rate · balance €27,793.07After 47 months: €2,856.44 rate · balance €27,856.44After 48 months: €2,919.81 rate · balance €27,919.81
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,920After 1 month: €58.33 rate · balance €25,058.33After 2 months: €116.67 rate · balance €25,116.67After 3 months: €175.00 rate · balance €25,175.00After 4 months: €233.33 rate · balance €25,233.33After 5 months: €291.67 rate · balance €25,291.67After 6 months: €350.00 rate · balance €25,350.00After 7 months: €408.33 rate · balance €25,408.33After 8 months: €466.67 rate · balance €25,466.67After 9 months: €525.00 rate · balance €25,525.00After 10 months: €583.33 rate · balance €25,583.33After 11 months: €641.67 rate · balance €25,641.67After 12 months: €700.00 rate · balance €25,700.00After 13 months: €759.97 rate · balance €25,759.97After 14 months: €819.93 rate · balance €25,819.93After 15 months: €879.90 rate · balance €25,879.90After 16 months: €939.87 rate · balance €25,939.87After 17 months: €999.83 rate · balance €25,999.83After 18 months: €1,059.80 rate · balance €26,059.80After 19 months: €1,119.77 rate · balance €26,119.77After 20 months: €1,179.73 rate · balance €26,179.73After 21 months: €1,239.70 rate · balance €26,239.70After 22 months: €1,299.67 rate · balance €26,299.67After 23 months: €1,359.63 rate · balance €26,359.63After 24 months: €1,419.60 rate · balance €26,419.60After 25 months: €1,481.25 rate · balance €26,481.25After 26 months: €1,542.89 rate · balance €26,542.89After 27 months: €1,604.54 rate · balance €26,604.54After 28 months: €1,666.18 rate · balance €26,666.18After 29 months: €1,727.83 rate · balance €26,727.83After 30 months: €1,789.47 rate · balance €26,789.47After 31 months: €1,851.12 rate · balance €26,851.12After 32 months: €1,912.77 rate · balance €26,912.77After 33 months: €1,974.41 rate · balance €26,974.41After 34 months: €2,036.06 rate · balance €27,036.06After 35 months: €2,097.70 rate · balance €27,097.70After 36 months: €2,159.35 rate · balance €27,159.35After 37 months: €2,222.72 rate · balance €27,222.72After 38 months: €2,286.09 rate · balance €27,286.09After 39 months: €2,349.46 rate · balance €27,349.46After 40 months: €2,412.84 rate · balance €27,412.84After 41 months: €2,476.21 rate · balance €27,476.21After 42 months: €2,539.58 rate · balance €27,539.58After 43 months: €2,602.95 rate · balance €27,602.95After 44 months: €2,666.32 rate · balance €27,666.32After 45 months: €2,729.69 rate · balance €27,729.69After 46 months: €2,793.07 rate · balance €27,793.07After 47 months: €2,856.44 rate · balance €27,856.44After 48 months: €2,919.81 rate · balance €27,919.81
Per year
AfterInterest up to thenBalance
1 year€700€25,700
2 years€1,420€26,420
3 years€2,159€27,159
4 years€2,920€27,920
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.