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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 Centraal Beheer
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Centraal BeheerRenteVast Rekening

Deposit · 1 year · Achmea Bank N.V. · Netherlands · Directly at the bank
Open an account at Centraal Beheer
Rate
1.90%
1 year fixed
since 14 Sep 2026
EffectiveThe effective annual rate for €25,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. Interest is compounded during the term and earns interest on interest.
1.92%
for €25,000
Your return on €25,000
€479
interest per year
Deposit guarantee
€25,000 fully protected
Dutch scheme

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

Your calculation for €25,000

Gross interest over 1 year: €479.
Interest built up over 1 year
€ 0€ 200€ 400start6 mo1 yr€479After 1 month: €39.58 rate · balance €25,039.58After 2 months: €79.23 rate · balance €25,079.23After 3 months: €118.94 rate · balance €25,118.94After 4 months: €158.71 rate · balance €25,158.71After 5 months: €198.54 rate · balance €25,198.54After 6 months: €238.44 rate · balance €25,238.44After 7 months: €278.40 rate · balance €25,278.40After 8 months: €318.43 rate · balance €25,318.43After 9 months: €358.51 rate · balance €25,358.51After 10 months: €398.67 rate · balance €25,398.67

Rate and conditions

BalanceRate
€0 – and up1.90%
Interest payout
monthly, compounded (interest on interest)
Fees
none
Access
1 year fixed · early withdrawal with loss of interest
Term
1 year
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
  • Effectieve rente per jaar; de maandelijkse rente wordt op de RenteVast Rekening bijgeschreven (rente over rente)
  • Minimale inleg € 500

Deposit guarantee

€25,000 fully protected
Dutch scheme

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

Licence and verification
Institution
Achmea 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

1.25%1.75%2.25%2.75%3.25%8 Apr 202429 Jun 2025now1.90%2.70% from 8 Apr 2024 until 23 Sep 20242.40% from 23 Sep 2024 until 22 Mar 20251.90% from 22 Mar 2025 until 31 Jul 20251.60% from 31 Jul 2025 until 11 Apr 20261.70% from 11 Apr 2026 until 2 Sep 20261.85% from 2 Sep 2026 until 14 Sep 20261.90% from 14 Sep 2026 until now
1.25%1.75%2.25%2.75%

Other offers from Centraal Beheer

Instant access · 1.60% · Direct2 years · 2.10% · Direct3 years · 2.30% · Direct4 years · 2.60% · Direct5 years · 2.75% · Direct6 years · 2.75% · Direct7 years · 2.75% · Direct8 years · 2.80% · Direct9 years · · Direct
After 11 months: €438.88 rate · balance €25,438.88After 12 months: €479.16 rate · balance €25,479.16
€ 0€ 200€ 400start3 mo6 mo9 mo1 yr€479After 1 month: €39.58 rate · balance €25,039.58After 2 months: €79.23 rate · balance €25,079.23After 3 months: €118.94 rate · balance €25,118.94After 4 months: €158.71 rate · balance €25,158.71After 5 months: €198.54 rate · balance €25,198.54After 6 months: €238.44 rate · balance €25,238.44After 7 months: €278.40 rate · balance €25,278.40After 8 months: €318.43 rate · balance €25,318.43After 9 months: €358.51 rate · balance €25,358.51After 10 months: €398.67 rate · balance €25,398.67After 11 months: €438.88 rate · balance €25,438.88After 12 months: €479.16 rate · balance €25,479.16

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

3.25%8 Apr 202429 Jun 2025now1.90%2.70% from 8 Apr 2024 until 23 Sep 20242.40% from 23 Sep 2024 until 22 Mar 20251.90% from 22 Mar 2025 until 31 Jul 20251.60% from 31 Jul 2025 until 11 Apr 20261.70% from 11 Apr 2026 until 2 Sep 20261.85% from 2 Sep 2026 until 14 Sep 20261.90% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20261.90%current
2 Sep 20261.85%14 Sep 2026
11 Apr 20261.70%2 Sep 2026web archive
31 Jul 20251.60%11 Apr 2026web archive
22 Mar 20251.90%31 Jul 2025web archive
23 Sep 20242.40%22 Mar 2025web archive
8 Apr 20242.70%23 Sep 2024web archive

All historic rates of Centraal Beheer →All savings products of Centraal Beheer →

  • 14 Sep 2026Centraal Beheer – RenteVast Rekening (12 mo): 1.85% → 1.90%
  • 2 Sep 2026New: Centraal Beheer – RenteVast Rekening (12 mo) 1.85%

Rate checked on 18 Sep 2026.

2.85%
10 years · 3.10% · Direct
15 years · 3.15% · Direct
20 years · 3.30% · Direct