Centraal BeheerRenteVast Rekening
Deposit · 20 years · Achmea Bank N.V. · Netherlands · Directly at the bank
- Rate
- 3.35%
- 20 years fixed
- since 12 Oct 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 more often than yearly, so it earns interest on interest.
- 3.40%
- for €25,000
- Your return on €25,000
- €850
- per year, annualised · €23,810 total over 20 years
- Deposit guarantee
- €25,000 fully protectedDutch scheme
Achmea Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 20 years: €23,810.
Interest built up over 20 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €850 | €25,850 |
| 2 years | €1,730 | €26,730 |
| 3 years | €2,639 | €27,639 |
| 4 years | €3,579 | €28,579 |
| 5 years | €4,552 | €29,552 |
| 6 years | €5,557 | €30,557 |
| 7 years | €6,597 | €31,597 |
| 8 years | €7,671 | €32,671 |
| 9 years | €8,783 | €33,783 |
| 10 years | €9,932 | €34,932 |
| 11 years | €11,121 | €36,121 |
| 12 years | €12,349 | €37,349 |
| 13 years | €13,620 | €38,620 |
| 14 years | €14,934 | €39,934 |
| 15 years | €16,292 | €41,292 |
| 16 years | €17,697 | €42,697 |
| 17 years | €19,150 | €44,150 |
| 18 years | €20,651 | €45,651 |
| 19 years | €22,204 | €47,204 |
| 20 years | €23,810 | €48,810 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.35% |
- 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
€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 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
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
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 · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 12 Oct 2026 | 3.35% | current |
| 2 Sep 2026 | 3.30% | 12 Oct 2026 |
| 22 Jan 2026 | 3.30% | 2 Sep 2026web archive |
| 31 Jul 2025 | 3.00% | 22 Jan 2026web archive |
| 22 Mar 2025 | 2.65% | 31 Jul 2025web archive |
| 23 Sep 2024 | 2.85% | 22 Mar 2025web archive |
| 15 Jun 2024 | 3.05% | 23 Sep 2024web archive |
| 8 Apr 2024 | 3.00% | 15 Jun 2024web archive |
All historic rates of Centraal Beheer →All savings products of Centraal Beheer →
- 12 Oct 2026Centraal Beheer – RenteVast Rekening (240 mo): 3.30% → 3.35%
- 2 Sep 2026New: Centraal Beheer – RenteVast Rekening (240 mo) 3.30%
Rate checked on 2 Nov 2026.