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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 · 8 years · Achmea Bank N.V. · Netherlands · Directly at the bank
Open an account at Centraal Beheer
Rate
2.80%
8 years fixed
since 2 Sep 2026
EffectiveThe effective annual rate for €16,600: 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.
2.84%
for €16,600
Your return on €16,600
€471
per year, annualised · €4,162 total over 8 years
Deposit guarantee
€16,600 fully protected
Dutch scheme

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

Your calculation for €16,600

Gross interest over 8 years: €4,162.
Interest built up over 8 years
€ 0€ 2k€ 4kstart3 yrs6 yrs

Rate and conditions

BalanceRate
€0 – and up2.80%
Interest payout
monthly, compounded (interest on interest)
Fees
none
Access
8 years fixed · early withdrawal with loss of interest
Term
8 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

€16,600 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 2025now2.80%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 31 Jul 20252.65% from 31 Jul 2025 until 2 Sep 20262.80% from 2 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% · Direct6 years · 2.75% · Direct7 years · 2.75% · Direct9 years · · Direct
€4,162After 1 month: €38.73 rate · balance €16,638.73After 2 months: €77.56 rate · balance €16,677.56After 3 months: €116.47 rate · balance €16,716.47After 4 months: €155.48 rate · balance €16,755.48After 5 months: €194.57 rate · balance €16,794.57After 6 months: €233.76 rate · balance €16,833.76After 7 months: €273.04 rate · balance €16,873.04After 8 months: €312.41 rate · balance €16,912.41After 9 months: €351.87 rate · balance €16,951.87After 10 months: €391.43 rate · balance €16,991.43After 11 months: €431.07 rate · balance €17,031.07After 12 months: €470.81 rate · balance €17,070.81After 13 months: €510.64 rate · balance €17,110.64After 14 months: €550.57 rate · balance €17,150.57After 15 months: €590.59 rate · balance €17,190.59After 16 months: €630.70 rate · balance €17,230.70After 17 months: €670.90 rate · balance €17,270.90After 18 months: €711.20 rate · balance €17,311.20After 19 months: €751.59 rate · balance €17,351.59After 20 months: €792.08 rate · balance €17,392.08After 21 months: €832.66 rate · balance €17,432.66After 22 months: €873.34 rate · balance €17,473.34After 23 months: €914.11 rate · balance €17,514.11After 24 months: €954.98 rate · balance €17,554.98After 25 months: €995.94 rate · balance €17,595.94After 26 months: €1,037.00 rate · balance €17,637.00After 27 months: €1,078.15 rate · balance €17,678.15After 28 months: €1,119.40 rate · balance €17,719.40After 29 months: €1,160.74 rate · balance €17,760.74After 30 months: €1,202.18 rate · balance €17,802.18After 31 months: €1,243.72 rate · balance €17,843.72After 32 months: €1,285.36 rate · balance €17,885.36After 33 months: €1,327.09 rate · balance €17,927.09After 34 months: €1,368.92 rate · balance €17,968.92After 35 months: €1,410.85 rate · balance €18,010.85After 36 months: €1,452.87 rate · balance €18,052.87After 37 months: €1,495.00 rate · balance €18,095.00After 38 months: €1,537.22 rate · balance €18,137.22After 39 months: €1,579.54 rate · balance €18,179.54After 40 months: €1,621.96 rate · balance €18,221.96After 41 months: €1,664.48 rate · balance €18,264.48After 42 months: €1,707.09 rate · balance €18,307.09After 43 months: €1,749.81 rate · balance €18,349.81After 44 months: €1,792.63 rate · balance €18,392.63After 45 months: €1,835.54 rate · balance €18,435.54After 46 months: €1,878.56 rate · balance €18,478.56After 47 months: €1,921.67 rate · balance €18,521.67After 48 months: €1,964.89 rate · balance €18,564.89After 49 months: €2,008.21 rate · balance €18,608.21After 50 months: €2,051.63 rate · balance €18,651.63After 51 months: €2,095.15 rate · balance €18,695.15After 52 months: €2,138.77 rate · balance €18,738.77After 53 months: €2,182.49 rate · balance €18,782.49After 54 months: €2,226.32 rate · balance €18,826.32After 55 months: €2,270.25 rate · balance €18,870.25After 56 months: €2,314.28 rate · balance €18,914.28After 57 months: €2,358.41 rate · balance €18,958.41After 58 months: €2,402.65 rate · balance €19,002.65After 59 months: €2,446.99 rate · balance €19,046.99After 60 months: €2,491.43 rate · balance €19,091.43After 61 months: €2,535.98 rate · balance €19,135.98After 62 months: €2,580.63 rate · balance €19,180.63After 63 months: €2,625.38 rate · balance €19,225.38After 64 months: €2,670.24 rate · balance €19,270.24After 65 months: €2,715.21 rate · balance €19,315.21After 66 months: €2,760.28 rate · balance €19,360.28After 67 months: €2,805.45 rate · balance €19,405.45After 68 months: €2,850.73 rate · balance €19,450.73After 69 months: €2,896.11 rate · balance €19,496.11After 70 months: €2,941.60 rate · balance €19,541.60After 71 months: €2,987.20 rate · balance €19,587.20After 72 months: €3,032.91 rate · balance €19,632.91After 73 months: €3,078.72 rate · balance €19,678.72After 74 months: €3,124.63 rate · balance €19,724.63After 75 months: €3,170.66 rate · balance €19,770.66After 76 months: €3,216.79 rate · balance €19,816.79After 77 months: €3,263.03 rate · balance €19,863.03After 78 months: €3,309.37 rate · balance €19,909.37After 79 months: €3,355.83 rate · balance €19,955.83After 80 months: €3,402.39 rate · balance €20,002.39After 81 months: €3,449.07 rate · balance €20,049.07After 82 months: €3,495.85 rate · balance €20,095.85After 83 months: €3,542.74 rate · balance €20,142.74After 84 months: €3,589.74 rate · balance €20,189.74After 85 months: €3,636.85 rate · balance €20,236.85After 86 months: €3,684.07 rate · balance €20,284.07After 87 months: €3,731.39 rate · balance €20,331.40After 88 months: €3,778.83 rate · balance €20,378.83After 89 months: €3,826.39 rate · balance €20,426.39After 90 months: €3,874.05 rate · balance €20,474.05After 91 months: €3,921.82 rate · balance €20,521.82After 92 months: €3,969.70 rate · balance €20,569.70After 93 months: €4,017.70 rate · balance €20,617.70After 94 months: €4,065.81 rate · balance €20,665.81After 95 months: €4,114.03 rate · balance €20,714.03After 96 months: €4,162.36 rate · balance €20,762.36
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs€4,162After 1 month: €38.73 rate · balance €16,638.73After 2 months: €77.56 rate · balance €16,677.56After 3 months: €116.47 rate · balance €16,716.47After 4 months: €155.48 rate · balance €16,755.48After 5 months: €194.57 rate · balance €16,794.57After 6 months: €233.76 rate · balance €16,833.76After 7 months: €273.04 rate · balance €16,873.04After 8 months: €312.41 rate · balance €16,912.41After 9 months: €351.87 rate · balance €16,951.87After 10 months: €391.43 rate · balance €16,991.43After 11 months: €431.07 rate · balance €17,031.07After 12 months: €470.81 rate · balance €17,070.81After 13 months: €510.64 rate · balance €17,110.64After 14 months: €550.57 rate · balance €17,150.57After 15 months: €590.59 rate · balance €17,190.59After 16 months: €630.70 rate · balance €17,230.70After 17 months: €670.90 rate · balance €17,270.90After 18 months: €711.20 rate · balance €17,311.20After 19 months: €751.59 rate · balance €17,351.59After 20 months: €792.08 rate · balance €17,392.08After 21 months: €832.66 rate · balance €17,432.66After 22 months: €873.34 rate · balance €17,473.34After 23 months: €914.11 rate · balance €17,514.11After 24 months: €954.98 rate · balance €17,554.98After 25 months: €995.94 rate · balance €17,595.94After 26 months: €1,037.00 rate · balance €17,637.00After 27 months: €1,078.15 rate · balance €17,678.15After 28 months: €1,119.40 rate · balance €17,719.40After 29 months: €1,160.74 rate · balance €17,760.74After 30 months: €1,202.18 rate · balance €17,802.18After 31 months: €1,243.72 rate · balance €17,843.72After 32 months: €1,285.36 rate · balance €17,885.36After 33 months: €1,327.09 rate · balance €17,927.09After 34 months: €1,368.92 rate · balance €17,968.92After 35 months: €1,410.85 rate · balance €18,010.85After 36 months: €1,452.87 rate · balance €18,052.87After 37 months: €1,495.00 rate · balance €18,095.00After 38 months: €1,537.22 rate · balance €18,137.22After 39 months: €1,579.54 rate · balance €18,179.54After 40 months: €1,621.96 rate · balance €18,221.96After 41 months: €1,664.48 rate · balance €18,264.48After 42 months: €1,707.09 rate · balance €18,307.09After 43 months: €1,749.81 rate · balance €18,349.81After 44 months: €1,792.63 rate · balance €18,392.63After 45 months: €1,835.54 rate · balance €18,435.54After 46 months: €1,878.56 rate · balance €18,478.56After 47 months: €1,921.67 rate · balance €18,521.67After 48 months: €1,964.89 rate · balance €18,564.89After 49 months: €2,008.21 rate · balance €18,608.21After 50 months: €2,051.63 rate · balance €18,651.63After 51 months: €2,095.15 rate · balance €18,695.15After 52 months: €2,138.77 rate · balance €18,738.77After 53 months: €2,182.49 rate · balance €18,782.49After 54 months: €2,226.32 rate · balance €18,826.32After 55 months: €2,270.25 rate · balance €18,870.25After 56 months: €2,314.28 rate · balance €18,914.28After 57 months: €2,358.41 rate · balance €18,958.41After 58 months: €2,402.65 rate · balance €19,002.65After 59 months: €2,446.99 rate · balance €19,046.99After 60 months: €2,491.43 rate · balance €19,091.43After 61 months: €2,535.98 rate · balance €19,135.98After 62 months: €2,580.63 rate · balance €19,180.63After 63 months: €2,625.38 rate · balance €19,225.38After 64 months: €2,670.24 rate · balance €19,270.24After 65 months: €2,715.21 rate · balance €19,315.21After 66 months: €2,760.28 rate · balance €19,360.28After 67 months: €2,805.45 rate · balance €19,405.45After 68 months: €2,850.73 rate · balance €19,450.73After 69 months: €2,896.11 rate · balance €19,496.11After 70 months: €2,941.60 rate · balance €19,541.60After 71 months: €2,987.20 rate · balance €19,587.20After 72 months: €3,032.91 rate · balance €19,632.91After 73 months: €3,078.72 rate · balance €19,678.72After 74 months: €3,124.63 rate · balance €19,724.63After 75 months: €3,170.66 rate · balance €19,770.66After 76 months: €3,216.79 rate · balance €19,816.79After 77 months: €3,263.03 rate · balance €19,863.03After 78 months: €3,309.37 rate · balance €19,909.37After 79 months: €3,355.83 rate · balance €19,955.83After 80 months: €3,402.39 rate · balance €20,002.39After 81 months: €3,449.07 rate · balance €20,049.07After 82 months: €3,495.85 rate · balance €20,095.85After 83 months: €3,542.74 rate · balance €20,142.74After 84 months: €3,589.74 rate · balance €20,189.74After 85 months: €3,636.85 rate · balance €20,236.85After 86 months: €3,684.07 rate · balance €20,284.07After 87 months: €3,731.39 rate · balance €20,331.40After 88 months: €3,778.83 rate · balance €20,378.83After 89 months: €3,826.39 rate · balance €20,426.39After 90 months: €3,874.05 rate · balance €20,474.05After 91 months: €3,921.82 rate · balance €20,521.82After 92 months: €3,969.70 rate · balance €20,569.70After 93 months: €4,017.70 rate · balance €20,617.70After 94 months: €4,065.81 rate · balance €20,665.81After 95 months: €4,114.03 rate · balance €20,714.03After 96 months: €4,162.36 rate · balance €20,762.36
Per year
AfterInterest up to thenBalance
1 year€471€17,071
2 years€955€17,555
3 years€1,453€18,053
4 years€1,965€18,565
5 years€2,491€19,091
6 years€3,033€19,633
7 years€3,590€20,190
8 years€4,162€20,762

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

29 Jun 2025now2.80%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 31 Jul 20252.65% from 31 Jul 2025 until 2 Sep 20262.80% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.80%current
31 Jul 20252.65%2 Sep 2026web archive
22 Mar 20252.55%31 Jul 2025web 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 →

  • 2 Sep 2026New: Centraal Beheer – RenteVast Rekening (96 mo) 2.80%

Rate checked on 19 Sep 2026.

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