Centraal BeheerRenteVast Rekening
Deposit · 20 years · Achmea Bank N.V. · Netherlands · Directly at the bank
- Rate
- 3.30%
- 20 years fixed
- since 2 Sep 2026
- EffectiveThe effective annual rate for €10,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. Interest is compounded more often than yearly, so it earns interest on interest.
- 3.35%
- for €10,000
- Your return on €10,000
- €335
- per year, annualised · €9,330 total over 20 years
- Deposit guarantee
- €10,000 fully protectedDutch scheme
Achmea Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €10,000
Gross interest over 20 years: €9,330.
Interest built up over 20 years
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.30% |
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- none
- Access
- 20 years fixed · early withdrawal with loss of interest
- Term
- 20 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
- Effectieve rente per jaar; de maandelijkse rente wordt op de RenteVast Rekening bijgeschreven (rente over rente)
- Minimale inleg € 500
Deposit guarantee
€10,000 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 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
- Nederland kent geen bronbelasting op spaarrente.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.