Spaarradar
CompareDepositsGuided choice
News
NL
Spaarradar

Independent: the order follows only from the rate, your amount and the deposit guarantee, never from fees paid by banks.

Last check just now·570 offers from 88 institutions

Compare
  • Highest savings rate
  • Deposits by term
  • Notice accounts
  • No withholding tax
  • Saving via Raisin
  • Directly at the bank
  • Banks & deposit guarantee
Tools
  • Guided choice
  • Interest calculator
  • Switch check
  • Deposit ladder
  • My list
  • Widget for your site
Market data
  • Rate changes
  • Rate history
  • ECB rate
  • Savings rate index
  • News
  • API
About this site
  • Glossary
  • Methodology
  • About & contact
  • Press
  • Privacy
  • Disclaimer

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
Back to the comparison

Centraal BeheerRenteVast Rekening

Deposit · 6 years · Achmea Bank N.V. · Netherlands · Directly at the bank
Open an account at Centraal Beheer
Rate
2.75%
6 years fixed
since 14 Sep 2026
EffectiveThe effective annual rate for €100,000: 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.
2.78%
for €100,000
Your return on €100,000
€2,785
per year, annualised · €17,917 total over 6 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 6 years: €17,917.
Interest built up over 6 years
€ 0€ 10kstart2 yrs4 yrs6 yrs

Rate and conditions

BalanceRate
€0 – and up2.75%
Interest payout
monthly, compounded (interest on interest)
Fees
none
Access
6 years fixed · early withdrawal with loss of interest
Term
6 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

€100,000 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

2.25%2.50%2.75%3.00%3.25%8 Apr 202429 Jun 2025now2.75%2.95% from 8 Apr 2024 until 15 Jun 20243.00% from 15 Jun 2024 until 23 Sep 20242.75% from 23 Sep 2024 until 22 Mar 20252.55% from 22 Mar 2025 until 2 Sep 20262.65% from 2 Sep 2026 until 14 Sep 20262.75% from 14 Sep 2026 until now
2.25%2.50%2.75%3.00%3.25%8 Apr 2024

Other offers from Centraal Beheer

Instant access · 1.60% · Direct1 year · 1.90% · Direct2 years · 2.10% · Direct3 years · 2.30% · Direct4 years · 2.60% · Direct5 years · 2.75% · Direct7 years · 2.75% · Direct8 years · 2.80% · Direct9 years · · Direct
€17,917After 1 month: €229.17 rate · balance €100,229.17After 2 months: €458.86 rate · balance €100,458.86After 3 months: €689.08 rate · balance €100,689.08After 4 months: €919.82 rate · balance €100,919.82After 5 months: €1,151.10 rate · balance €101,151.10After 6 months: €1,382.90 rate · balance €101,382.90After 7 months: €1,615.24 rate · balance €101,615.24After 8 months: €1,848.11 rate · balance €101,848.11After 9 months: €2,081.51 rate · balance €102,081.51After 10 months: €2,315.44 rate · balance €102,315.44After 11 months: €2,549.92 rate · balance €102,549.92After 12 months: €2,784.93 rate · balance €102,784.93After 13 months: €3,020.48 rate · balance €103,020.48After 14 months: €3,256.57 rate · balance €103,256.57After 15 months: €3,493.19 rate · balance €103,493.19After 16 months: €3,730.37 rate · balance €103,730.37After 17 months: €3,968.08 rate · balance €103,968.08After 18 months: €4,206.34 rate · balance €104,206.34After 19 months: €4,445.15 rate · balance €104,445.15After 20 months: €4,684.50 rate · balance €104,684.50After 21 months: €4,924.40 rate · balance €104,924.40After 22 months: €5,164.86 rate · balance €105,164.86After 23 months: €5,405.86 rate · balance €105,405.86After 24 months: €5,647.41 rate · balance €105,647.41After 25 months: €5,889.52 rate · balance €105,889.52After 26 months: €6,132.19 rate · balance €106,132.19After 27 months: €6,375.41 rate · balance €106,375.41After 28 months: €6,619.18 rate · balance €106,619.18After 29 months: €6,863.52 rate · balance €106,863.52After 30 months: €7,108.41 rate · balance €107,108.41After 31 months: €7,353.87 rate · balance €107,353.87After 32 months: €7,599.89 rate · balance €107,599.89After 33 months: €7,846.47 rate · balance €107,846.47After 34 months: €8,093.62 rate · balance €108,093.62After 35 months: €8,341.34 rate · balance €108,341.34After 36 months: €8,589.62 rate · balance €108,589.62After 37 months: €8,838.47 rate · balance €108,838.47After 38 months: €9,087.89 rate · balance €109,087.89After 39 months: €9,337.88 rate · balance €109,337.88After 40 months: €9,588.45 rate · balance €109,588.45After 41 months: €9,839.59 rate · balance €109,839.59After 42 months: €10,091.31 rate · balance €110,091.31After 43 months: €10,343.60 rate · balance €110,343.60After 44 months: €10,596.47 rate · balance €110,596.47After 45 months: €10,849.92 rate · balance €110,849.92After 46 months: €11,103.95 rate · balance €111,103.95After 47 months: €11,358.56 rate · balance €111,358.56After 48 months: €11,613.76 rate · balance €111,613.76After 49 months: €11,869.54 rate · balance €111,869.54After 50 months: €12,125.91 rate · balance €112,125.91After 51 months: €12,382.86 rate · balance €112,382.86After 52 months: €12,640.41 rate · balance €112,640.41After 53 months: €12,898.54 rate · balance €112,898.54After 54 months: €13,157.27 rate · balance €113,157.27After 55 months: €13,416.59 rate · balance €113,416.59After 56 months: €13,676.50 rate · balance €113,676.50After 57 months: €13,937.01 rate · balance €113,937.01After 58 months: €14,198.11 rate · balance €114,198.11After 59 months: €14,459.82 rate · balance €114,459.82After 60 months: €14,722.12 rate · balance €114,722.12After 61 months: €14,985.03 rate · balance €114,985.03After 62 months: €15,248.53 rate · balance €115,248.53After 63 months: €15,512.65 rate · balance €115,512.65After 64 months: €15,777.36 rate · balance €115,777.36After 65 months: €16,042.69 rate · balance €116,042.69After 66 months: €16,308.62 rate · balance €116,308.62After 67 months: €16,575.16 rate · balance €116,575.16After 68 months: €16,842.31 rate · balance €116,842.31After 69 months: €17,110.07 rate · balance €117,110.07After 70 months: €17,378.45 rate · balance €117,378.45After 71 months: €17,647.44 rate · balance €117,647.44After 72 months: €17,917.05 rate · balance €117,917.05
€ 0€ 10kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs€17,917After 1 month: €229.17 rate · balance €100,229.17After 2 months: €458.86 rate · balance €100,458.86After 3 months: €689.08 rate · balance €100,689.08After 4 months: €919.82 rate · balance €100,919.82After 5 months: €1,151.10 rate · balance €101,151.10After 6 months: €1,382.90 rate · balance €101,382.90After 7 months: €1,615.24 rate · balance €101,615.24After 8 months: €1,848.11 rate · balance €101,848.11After 9 months: €2,081.51 rate · balance €102,081.51After 10 months: €2,315.44 rate · balance €102,315.44After 11 months: €2,549.92 rate · balance €102,549.92After 12 months: €2,784.93 rate · balance €102,784.93After 13 months: €3,020.48 rate · balance €103,020.48After 14 months: €3,256.57 rate · balance €103,256.57After 15 months: €3,493.19 rate · balance €103,493.19After 16 months: €3,730.37 rate · balance €103,730.37After 17 months: €3,968.08 rate · balance €103,968.08After 18 months: €4,206.34 rate · balance €104,206.34After 19 months: €4,445.15 rate · balance €104,445.15After 20 months: €4,684.50 rate · balance €104,684.50After 21 months: €4,924.40 rate · balance €104,924.40After 22 months: €5,164.86 rate · balance €105,164.86After 23 months: €5,405.86 rate · balance €105,405.86After 24 months: €5,647.41 rate · balance €105,647.41After 25 months: €5,889.52 rate · balance €105,889.52After 26 months: €6,132.19 rate · balance €106,132.19After 27 months: €6,375.41 rate · balance €106,375.41After 28 months: €6,619.18 rate · balance €106,619.18After 29 months: €6,863.52 rate · balance €106,863.52After 30 months: €7,108.41 rate · balance €107,108.41After 31 months: €7,353.87 rate · balance €107,353.87After 32 months: €7,599.89 rate · balance €107,599.89After 33 months: €7,846.47 rate · balance €107,846.47After 34 months: €8,093.62 rate · balance €108,093.62After 35 months: €8,341.34 rate · balance €108,341.34After 36 months: €8,589.62 rate · balance €108,589.62After 37 months: €8,838.47 rate · balance €108,838.47After 38 months: €9,087.89 rate · balance €109,087.89After 39 months: €9,337.88 rate · balance €109,337.88After 40 months: €9,588.45 rate · balance €109,588.45After 41 months: €9,839.59 rate · balance €109,839.59After 42 months: €10,091.31 rate · balance €110,091.31After 43 months: €10,343.60 rate · balance €110,343.60After 44 months: €10,596.47 rate · balance €110,596.47After 45 months: €10,849.92 rate · balance €110,849.92After 46 months: €11,103.95 rate · balance €111,103.95After 47 months: €11,358.56 rate · balance €111,358.56After 48 months: €11,613.76 rate · balance €111,613.76After 49 months: €11,869.54 rate · balance €111,869.54After 50 months: €12,125.91 rate · balance €112,125.91After 51 months: €12,382.86 rate · balance €112,382.86After 52 months: €12,640.41 rate · balance €112,640.41After 53 months: €12,898.54 rate · balance €112,898.54After 54 months: €13,157.27 rate · balance €113,157.27After 55 months: €13,416.59 rate · balance €113,416.59After 56 months: €13,676.50 rate · balance €113,676.50After 57 months: €13,937.01 rate · balance €113,937.01After 58 months: €14,198.11 rate · balance €114,198.11After 59 months: €14,459.82 rate · balance €114,459.82After 60 months: €14,722.12 rate · balance €114,722.12After 61 months: €14,985.03 rate · balance €114,985.03After 62 months: €15,248.53 rate · balance €115,248.53After 63 months: €15,512.65 rate · balance €115,512.65After 64 months: €15,777.36 rate · balance €115,777.36After 65 months: €16,042.69 rate · balance €116,042.69After 66 months: €16,308.62 rate · balance €116,308.62After 67 months: €16,575.16 rate · balance €116,575.16After 68 months: €16,842.31 rate · balance €116,842.31After 69 months: €17,110.07 rate · balance €117,110.07After 70 months: €17,378.45 rate · balance €117,378.45After 71 months: €17,647.44 rate · balance €117,647.44After 72 months: €17,917.05 rate · balance €117,917.05
Per year
AfterInterest up to thenBalance
1 year€2,785€102,785
2 years€5,647€105,647
3 years€8,590€108,590
4 years€11,614€111,614
5 years€14,722€114,722
6 years€17,917€117,917

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

29 Jun 2025now2.75%2.95% from 8 Apr 2024 until 15 Jun 20243.00% from 15 Jun 2024 until 23 Sep 20242.75% from 23 Sep 2024 until 22 Mar 20252.55% from 22 Mar 2025 until 2 Sep 20262.65% from 2 Sep 2026 until 14 Sep 20262.75% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20262.75%current
2 Sep 20262.65%14 Sep 2026
22 Mar 20252.55%2 Sep 2026web archive
23 Sep 20242.75%22 Mar 2025web archive
15 Jun 20243.00%23 Sep 2024web archive
8 Apr 20242.95%15 Jun 2024web archive

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

  • 14 Sep 2026Centraal Beheer – RenteVast Rekening (72 mo): 2.65% → 2.75%
  • 2 Sep 2026New: Centraal Beheer – RenteVast Rekening (72 mo) 2.65%

Rate checked on 19 Sep 2026.

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