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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 Nationale-Nederlanden
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Nationale-NederlandenDepositosparen

Deposit · 9 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.60%
9 years fixed
since 2 Sep 2026
Your return on €100,000
€2,600
per year, annualised · €23,400 total over 9 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 9 years: €23,400.
Interest built up over 9 years
€ 0€ 10k€ 20kstart3 yrs6 yrs9 yrs

Rate and conditions

BalanceRate
€0 – and up2.60%
Interest payout
yearly, paid out
Fees
none
Access
9 years fixed · early withdrawal with loss of interest
Term
9 years
Minimum deposit
€1,000
Maximum deposit
€1,000,000
Current account required
unknown
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Eenmalige inleg van € 1.000 t/m € 1.000.000 per deposito; eerder stopzetten kan, in sommige gevallen tegen kosten
  • Een internetspaarrekening bij NN is nodig als tegenrekening

Deposit guarantee

€100,000 fully protected
Dutch scheme

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

Licence and verification
Institution
Nationale-Nederlanden 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.

Rate history

0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%22 Jun 20214 Feb 2024now2.60%0.13% from 22 Jun 2021 until 13 Aug 20210.05% from 13 Aug 2021 until 18 May 20221.00% from 18 May 2022 until 29 Sep 20221.80% from 29 Sep 2022 until 4 Feb 20231.95% from 4 Feb 2023 until 11 Apr 20232.20% from 11 Apr 2023 until 4 Jun 20232.50% from 4 Jun 2023 until 3 Dec 20233.15% from 3 Dec 2023 until 15 Apr 2024

Other offers from Nationale-Nederlanden

Instant access · 2.30% · Direct1 year · 2.00% · Direct2 years · 2.10% · Direct3 years · 2.25% · Direct4 years · 2.30% · Direct5 years · 2.40% · Direct6 years · 2.45% · Direct7 years · 2.50% · Direct
€23,400After 1 month: €216.67 rate · balance €100,216.67After 2 months: €433.33 rate · balance €100,433.33After 3 months: €650.00 rate · balance €100,650.00After 4 months: €866.67 rate · balance €100,866.67After 5 months: €1,083.33 rate · balance €101,083.33After 6 months: €1,300.00 rate · balance €101,300.00After 7 months: €1,516.67 rate · balance €101,516.67After 8 months: €1,733.33 rate · balance €101,733.33After 9 months: €1,950.00 rate · balance €101,950.00After 10 months: €2,166.67 rate · balance €102,166.67After 11 months: €2,383.33 rate · balance €102,383.33After 12 months: €2,600.00 rate · balance €102,600.00After 13 months: €2,816.67 rate · balance €102,816.67After 14 months: €3,033.33 rate · balance €103,033.33After 15 months: €3,250.00 rate · balance €103,250.00After 16 months: €3,466.67 rate · balance €103,466.67After 17 months: €3,683.33 rate · balance €103,683.33After 18 months: €3,900.00 rate · balance €103,900.00After 19 months: €4,116.67 rate · balance €104,116.67After 20 months: €4,333.33 rate · balance €104,333.33After 21 months: €4,550.00 rate · balance €104,550.00After 22 months: €4,766.67 rate · balance €104,766.67After 23 months: €4,983.33 rate · balance €104,983.33After 24 months: €5,200.00 rate · balance €105,200.00After 25 months: €5,416.67 rate · balance €105,416.67After 26 months: €5,633.33 rate · balance €105,633.33After 27 months: €5,850.00 rate · balance €105,850.00After 28 months: €6,066.67 rate · balance €106,066.67After 29 months: €6,283.33 rate · balance €106,283.33After 30 months: €6,500.00 rate · balance €106,500.00After 31 months: €6,716.67 rate · balance €106,716.67After 32 months: €6,933.33 rate · balance €106,933.33After 33 months: €7,150.00 rate · balance €107,150.00After 34 months: €7,366.67 rate · balance €107,366.67After 35 months: €7,583.33 rate · balance €107,583.33After 36 months: €7,800.00 rate · balance €107,800.00After 37 months: €8,016.67 rate · balance €108,016.67After 38 months: €8,233.33 rate · balance €108,233.33After 39 months: €8,450.00 rate · balance €108,450.00After 40 months: €8,666.67 rate · balance €108,666.67After 41 months: €8,883.33 rate · balance €108,883.33After 42 months: €9,100.00 rate · balance €109,100.00After 43 months: €9,316.67 rate · balance €109,316.67After 44 months: €9,533.33 rate · balance €109,533.33After 45 months: €9,750.00 rate · balance €109,750.00After 46 months: €9,966.67 rate · balance €109,966.67After 47 months: €10,183.33 rate · balance €110,183.33After 48 months: €10,400.00 rate · balance €110,400.00After 49 months: €10,616.67 rate · balance €110,616.67After 50 months: €10,833.33 rate · balance €110,833.33After 51 months: €11,050.00 rate · balance €111,050.00After 52 months: €11,266.67 rate · balance €111,266.67After 53 months: €11,483.34 rate · balance €111,483.34After 54 months: €11,700.00 rate · balance €111,700.00After 55 months: €11,916.67 rate · balance €111,916.67After 56 months: €12,133.34 rate · balance €112,133.34After 57 months: €12,350.00 rate · balance €112,350.00After 58 months: €12,566.67 rate · balance €112,566.67After 59 months: €12,783.34 rate · balance €112,783.34After 60 months: €13,000.00 rate · balance €113,000.00After 61 months: €13,216.67 rate · balance €113,216.67After 62 months: €13,433.34 rate · balance €113,433.34After 63 months: €13,650.00 rate · balance €113,650.00After 64 months: €13,866.67 rate · balance €113,866.67After 65 months: €14,083.34 rate · balance €114,083.34After 66 months: €14,300.00 rate · balance €114,300.00After 67 months: €14,516.67 rate · balance €114,516.67After 68 months: €14,733.34 rate · balance €114,733.34After 69 months: €14,950.00 rate · balance €114,950.00After 70 months: €15,166.67 rate · balance €115,166.67After 71 months: €15,383.34 rate · balance €115,383.34After 72 months: €15,600.00 rate · balance €115,600.00After 73 months: €15,816.67 rate · balance €115,816.67After 74 months: €16,033.34 rate · balance €116,033.34After 75 months: €16,250.00 rate · balance €116,250.00After 76 months: €16,466.67 rate · balance €116,466.67After 77 months: €16,683.34 rate · balance €116,683.34After 78 months: €16,900.00 rate · balance €116,900.00After 79 months: €17,116.67 rate · balance €117,116.67After 80 months: €17,333.34 rate · balance €117,333.34After 81 months: €17,550.00 rate · balance €117,550.00After 82 months: €17,766.67 rate · balance €117,766.67After 83 months: €17,983.34 rate · balance €117,983.34After 84 months: €18,200.00 rate · balance €118,200.00After 85 months: €18,416.67 rate · balance €118,416.67After 86 months: €18,633.34 rate · balance €118,633.34After 87 months: €18,850.00 rate · balance €118,850.00After 88 months: €19,066.67 rate · balance €119,066.67After 89 months: €19,283.34 rate · balance €119,283.34After 90 months: €19,500.00 rate · balance €119,500.00After 91 months: €19,716.67 rate · balance €119,716.67After 92 months: €19,933.34 rate · balance €119,933.34After 93 months: €20,150.00 rate · balance €120,150.00After 94 months: €20,366.67 rate · balance €120,366.67After 95 months: €20,583.34 rate · balance €120,583.34After 96 months: €20,800.00 rate · balance €120,800.00After 97 months: €21,016.67 rate · balance €121,016.67After 98 months: €21,233.34 rate · balance €121,233.34After 99 months: €21,450.00 rate · balance €121,450.00After 100 months: €21,666.67 rate · balance €121,666.67After 101 months: €21,883.34 rate · balance €121,883.34After 102 months: €22,100.00 rate · balance €122,100.00After 103 months: €22,316.67 rate · balance €122,316.67After 104 months: €22,533.34 rate · balance €122,533.34After 105 months: €22,750.00 rate · balance €122,750.00After 106 months: €22,966.67 rate · balance €122,966.67After 107 months: €23,183.34 rate · balance €123,183.34After 108 months: €23,400.00 rate · balance €123,400.00
€ 0€ 10k€ 20kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs9 yrs€23,400After 1 month: €216.67 rate · balance €100,216.67After 2 months: €433.33 rate · balance €100,433.33After 3 months: €650.00 rate · balance €100,650.00After 4 months: €866.67 rate · balance €100,866.67After 5 months: €1,083.33 rate · balance €101,083.33After 6 months: €1,300.00 rate · balance €101,300.00After 7 months: €1,516.67 rate · balance €101,516.67After 8 months: €1,733.33 rate · balance €101,733.33After 9 months: €1,950.00 rate · balance €101,950.00After 10 months: €2,166.67 rate · balance €102,166.67After 11 months: €2,383.33 rate · balance €102,383.33After 12 months: €2,600.00 rate · balance €102,600.00After 13 months: €2,816.67 rate · balance €102,816.67After 14 months: €3,033.33 rate · balance €103,033.33After 15 months: €3,250.00 rate · balance €103,250.00After 16 months: €3,466.67 rate · balance €103,466.67After 17 months: €3,683.33 rate · balance €103,683.33After 18 months: €3,900.00 rate · balance €103,900.00After 19 months: €4,116.67 rate · balance €104,116.67After 20 months: €4,333.33 rate · balance €104,333.33After 21 months: €4,550.00 rate · balance €104,550.00After 22 months: €4,766.67 rate · balance €104,766.67After 23 months: €4,983.33 rate · balance €104,983.33After 24 months: €5,200.00 rate · balance €105,200.00After 25 months: €5,416.67 rate · balance €105,416.67After 26 months: €5,633.33 rate · balance €105,633.33After 27 months: €5,850.00 rate · balance €105,850.00After 28 months: €6,066.67 rate · balance €106,066.67After 29 months: €6,283.33 rate · balance €106,283.33After 30 months: €6,500.00 rate · balance €106,500.00After 31 months: €6,716.67 rate · balance €106,716.67After 32 months: €6,933.33 rate · balance €106,933.33After 33 months: €7,150.00 rate · balance €107,150.00After 34 months: €7,366.67 rate · balance €107,366.67After 35 months: €7,583.33 rate · balance €107,583.33After 36 months: €7,800.00 rate · balance €107,800.00After 37 months: €8,016.67 rate · balance €108,016.67After 38 months: €8,233.33 rate · balance €108,233.33After 39 months: €8,450.00 rate · balance €108,450.00After 40 months: €8,666.67 rate · balance €108,666.67After 41 months: €8,883.33 rate · balance €108,883.33After 42 months: €9,100.00 rate · balance €109,100.00After 43 months: €9,316.67 rate · balance €109,316.67After 44 months: €9,533.33 rate · balance €109,533.33After 45 months: €9,750.00 rate · balance €109,750.00After 46 months: €9,966.67 rate · balance €109,966.67After 47 months: €10,183.33 rate · balance €110,183.33After 48 months: €10,400.00 rate · balance €110,400.00After 49 months: €10,616.67 rate · balance €110,616.67After 50 months: €10,833.33 rate · balance €110,833.33After 51 months: €11,050.00 rate · balance €111,050.00After 52 months: €11,266.67 rate · balance €111,266.67After 53 months: €11,483.34 rate · balance €111,483.34After 54 months: €11,700.00 rate · balance €111,700.00After 55 months: €11,916.67 rate · balance €111,916.67After 56 months: €12,133.34 rate · balance €112,133.34After 57 months: €12,350.00 rate · balance €112,350.00After 58 months: €12,566.67 rate · balance €112,566.67After 59 months: €12,783.34 rate · balance €112,783.34After 60 months: €13,000.00 rate · balance €113,000.00After 61 months: €13,216.67 rate · balance €113,216.67After 62 months: €13,433.34 rate · balance €113,433.34After 63 months: €13,650.00 rate · balance €113,650.00After 64 months: €13,866.67 rate · balance €113,866.67After 65 months: €14,083.34 rate · balance €114,083.34After 66 months: €14,300.00 rate · balance €114,300.00After 67 months: €14,516.67 rate · balance €114,516.67After 68 months: €14,733.34 rate · balance €114,733.34After 69 months: €14,950.00 rate · balance €114,950.00After 70 months: €15,166.67 rate · balance €115,166.67After 71 months: €15,383.34 rate · balance €115,383.34After 72 months: €15,600.00 rate · balance €115,600.00After 73 months: €15,816.67 rate · balance €115,816.67After 74 months: €16,033.34 rate · balance €116,033.34After 75 months: €16,250.00 rate · balance €116,250.00After 76 months: €16,466.67 rate · balance €116,466.67After 77 months: €16,683.34 rate · balance €116,683.34After 78 months: €16,900.00 rate · balance €116,900.00After 79 months: €17,116.67 rate · balance €117,116.67After 80 months: €17,333.34 rate · balance €117,333.34After 81 months: €17,550.00 rate · balance €117,550.00After 82 months: €17,766.67 rate · balance €117,766.67After 83 months: €17,983.34 rate · balance €117,983.34After 84 months: €18,200.00 rate · balance €118,200.00After 85 months: €18,416.67 rate · balance €118,416.67After 86 months: €18,633.34 rate · balance €118,633.34After 87 months: €18,850.00 rate · balance €118,850.00After 88 months: €19,066.67 rate · balance €119,066.67After 89 months: €19,283.34 rate · balance €119,283.34After 90 months: €19,500.00 rate · balance €119,500.00After 91 months: €19,716.67 rate · balance €119,716.67After 92 months: €19,933.34 rate · balance €119,933.34After 93 months: €20,150.00 rate · balance €120,150.00After 94 months: €20,366.67 rate · balance €120,366.67After 95 months: €20,583.34 rate · balance €120,583.34After 96 months: €20,800.00 rate · balance €120,800.00After 97 months: €21,016.67 rate · balance €121,016.67After 98 months: €21,233.34 rate · balance €121,233.34After 99 months: €21,450.00 rate · balance €121,450.00After 100 months: €21,666.67 rate · balance €121,666.67After 101 months: €21,883.34 rate · balance €121,883.34After 102 months: €22,100.00 rate · balance €122,100.00After 103 months: €22,316.67 rate · balance €122,316.67After 104 months: €22,533.34 rate · balance €122,533.34After 105 months: €22,750.00 rate · balance €122,750.00After 106 months: €22,966.67 rate · balance €122,966.67After 107 months: €23,183.34 rate · balance €123,183.34After 108 months: €23,400.00 rate · balance €123,400.00
Per year
AfterInterest up to thenBalance
1 year€2,600€102,600
2 years€5,200€105,200
3 years€7,800€107,800
4 years€10,400€110,400
5 years€13,000€113,000
6 years€15,600€115,600
7 years€18,200€118,200
8 years€20,800€120,800
9 years€23,400€123,400

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

2.80% from 15 Apr 2024 until 9 Dec 20242.60% from 9 Dec 2024 until 27 Mar 20252.40% from 27 Mar 2025 until 15 Oct 20252.60% from 15 Oct 2025 until 2 Sep 20262.60% from 2 Sep 2026 until now
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%22 Jun 20214 Feb 2024now2.60%0.13% from 22 Jun 2021 until 13 Aug 20210.05% from 13 Aug 2021 until 18 May 20221.00% from 18 May 2022 until 29 Sep 20221.80% from 29 Sep 2022 until 4 Feb 20231.95% from 4 Feb 2023 until 11 Apr 20232.20% from 11 Apr 2023 until 4 Jun 20232.50% from 4 Jun 2023 until 3 Dec 20233.15% from 3 Dec 2023 until 15 Apr 20242.80% from 15 Apr 2024 until 9 Dec 20242.60% from 9 Dec 2024 until 27 Mar 20252.40% from 27 Mar 2025 until 15 Oct 20252.60% from 15 Oct 2025 until 2 Sep 20262.60% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.60%current
15 Oct 20252.60%2 Sep 2026web archive
27 Mar 20252.40%15 Oct 2025web archive
9 Dec 20242.60%27 Mar 2025web archive
15 Apr 20242.80%9 Dec 2024web archive
3 Dec 20233.15%15 Apr 2024web archive
4 Jun 20232.50%3 Dec 2023web archive
11 Apr 20232.20%4 Jun 2023web archive
4 Feb 20231.95%11 Apr 2023web archive
29 Sep 20221.80%4 Feb 2023web archive
18 May 20221.00%29 Sep 2022web archive
13 Aug 20210.05%18 May 2022web archive
22 Jun 20210.13%13 Aug 2021web archive

All historic rates of Nationale-Nederlanden →All savings products of Nationale-Nederlanden →

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (108 mo) 2.60%

Rate checked on 19 Sep 2026.

8 years · 2.55% · Direct
10 years · 2.90% · Direct