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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 · 10 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.90%
10 years fixed
since 2 Sep 2026
Your return on €10,000
€290
per year, annualised · €2,900 total over 10 years
Deposit guarantee
€10,000 fully protected
Dutch scheme

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

Your calculation for €10,000

Gross interest over 10 years: €2,900.
Interest built up over 10 years
€ 0€ 1k€ 2kstart3 yrs6 yrs9 yrs

Rate and conditions

BalanceRate
€0 – and up2.90%
Interest payout
yearly, paid out
Fees
none
Access
10 years fixed · early withdrawal with loss of interest
Term
10 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

€10,000 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 2024now2.90%0.15% from 22 Jun 2021 until 13 Aug 20210.10% from 13 Aug 2021 until 18 May 20221.05% from 18 May 2022 until 29 Sep 20221.90% from 29 Sep 2022 until 4 Feb 20232.00% from 4 Feb 2023 until 11 Apr 20232.30% from 11 Apr 2023 until 4 Jun 20232.50% from 4 Jun 2023 until 3 Dec 20233.25% 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% · Direct8 years · · Direct
€2,900After 1 month: €24.17 rate · balance €10,024.17After 2 months: €48.33 rate · balance €10,048.33After 3 months: €72.50 rate · balance €10,072.50After 4 months: €96.67 rate · balance €10,096.67After 5 months: €120.83 rate · balance €10,120.83After 6 months: €145.00 rate · balance €10,145.00After 7 months: €169.17 rate · balance €10,169.17After 8 months: €193.33 rate · balance €10,193.33After 9 months: €217.50 rate · balance €10,217.50After 10 months: €241.67 rate · balance €10,241.67After 11 months: €265.83 rate · balance €10,265.83After 12 months: €290.00 rate · balance €10,290.00After 13 months: €314.17 rate · balance €10,314.17After 14 months: €338.33 rate · balance €10,338.33After 15 months: €362.50 rate · balance €10,362.50After 16 months: €386.67 rate · balance €10,386.67After 17 months: €410.83 rate · balance €10,410.83After 18 months: €435.00 rate · balance €10,435.00After 19 months: €459.17 rate · balance €10,459.17After 20 months: €483.33 rate · balance €10,483.33After 21 months: €507.50 rate · balance €10,507.50After 22 months: €531.67 rate · balance €10,531.67After 23 months: €555.83 rate · balance €10,555.83After 24 months: €580.00 rate · balance €10,580.00After 25 months: €604.17 rate · balance €10,604.17After 26 months: €628.33 rate · balance €10,628.33After 27 months: €652.50 rate · balance €10,652.50After 28 months: €676.67 rate · balance €10,676.67After 29 months: €700.83 rate · balance €10,700.83After 30 months: €725.00 rate · balance €10,725.00After 31 months: €749.17 rate · balance €10,749.17After 32 months: €773.33 rate · balance €10,773.33After 33 months: €797.50 rate · balance €10,797.50After 34 months: €821.67 rate · balance €10,821.67After 35 months: €845.83 rate · balance €10,845.83After 36 months: €870.00 rate · balance €10,870.00After 37 months: €894.17 rate · balance €10,894.17After 38 months: €918.33 rate · balance €10,918.33After 39 months: €942.50 rate · balance €10,942.50After 40 months: €966.67 rate · balance €10,966.67After 41 months: €990.83 rate · balance €10,990.83After 42 months: €1,015.00 rate · balance €11,015.00After 43 months: €1,039.17 rate · balance €11,039.17After 44 months: €1,063.33 rate · balance €11,063.33After 45 months: €1,087.50 rate · balance €11,087.50After 46 months: €1,111.67 rate · balance €11,111.67After 47 months: €1,135.83 rate · balance €11,135.83After 48 months: €1,160.00 rate · balance €11,160.00After 49 months: €1,184.17 rate · balance €11,184.17After 50 months: €1,208.33 rate · balance €11,208.33After 51 months: €1,232.50 rate · balance €11,232.50After 52 months: €1,256.67 rate · balance €11,256.67After 53 months: €1,280.84 rate · balance €11,280.84After 54 months: €1,305.00 rate · balance €11,305.00After 55 months: €1,329.17 rate · balance €11,329.17After 56 months: €1,353.34 rate · balance €11,353.34After 57 months: €1,377.50 rate · balance €11,377.50After 58 months: €1,401.67 rate · balance €11,401.67After 59 months: €1,425.84 rate · balance €11,425.84After 60 months: €1,450.00 rate · balance €11,450.00After 61 months: €1,474.17 rate · balance €11,474.17After 62 months: €1,498.34 rate · balance €11,498.34After 63 months: €1,522.50 rate · balance €11,522.50After 64 months: €1,546.67 rate · balance €11,546.67After 65 months: €1,570.84 rate · balance €11,570.84After 66 months: €1,595.00 rate · balance €11,595.00After 67 months: €1,619.17 rate · balance €11,619.17After 68 months: €1,643.34 rate · balance €11,643.34After 69 months: €1,667.50 rate · balance €11,667.50After 70 months: €1,691.67 rate · balance €11,691.67After 71 months: €1,715.84 rate · balance €11,715.84After 72 months: €1,740.00 rate · balance €11,740.00After 73 months: €1,764.17 rate · balance €11,764.17After 74 months: €1,788.34 rate · balance €11,788.34After 75 months: €1,812.50 rate · balance €11,812.50After 76 months: €1,836.67 rate · balance €11,836.67After 77 months: €1,860.84 rate · balance €11,860.84After 78 months: €1,885.00 rate · balance €11,885.00After 79 months: €1,909.17 rate · balance €11,909.17After 80 months: €1,933.34 rate · balance €11,933.34After 81 months: €1,957.50 rate · balance €11,957.50After 82 months: €1,981.67 rate · balance €11,981.67After 83 months: €2,005.84 rate · balance €12,005.84After 84 months: €2,030.00 rate · balance €12,030.00After 85 months: €2,054.17 rate · balance €12,054.17After 86 months: €2,078.34 rate · balance €12,078.34After 87 months: €2,102.50 rate · balance €12,102.50After 88 months: €2,126.67 rate · balance €12,126.67After 89 months: €2,150.84 rate · balance €12,150.84After 90 months: €2,175.00 rate · balance €12,175.00After 91 months: €2,199.17 rate · balance €12,199.17After 92 months: €2,223.34 rate · balance €12,223.34After 93 months: €2,247.50 rate · balance €12,247.50After 94 months: €2,271.67 rate · balance €12,271.67After 95 months: €2,295.84 rate · balance €12,295.84After 96 months: €2,320.00 rate · balance €12,320.00After 97 months: €2,344.17 rate · balance €12,344.17After 98 months: €2,368.34 rate · balance €12,368.34After 99 months: €2,392.50 rate · balance €12,392.50After 100 months: €2,416.67 rate · balance €12,416.67After 101 months: €2,440.84 rate · balance €12,440.84After 102 months: €2,465.00 rate · balance €12,465.00After 103 months: €2,489.17 rate · balance €12,489.17After 104 months: €2,513.34 rate · balance €12,513.34After 105 months: €2,537.50 rate · balance €12,537.50After 106 months: €2,561.67 rate · balance €12,561.67After 107 months: €2,585.84 rate · balance €12,585.84After 108 months: €2,610.00 rate · balance €12,610.00After 109 months: €2,634.17 rate · balance €12,634.17After 110 months: €2,658.34 rate · balance €12,658.34After 111 months: €2,682.50 rate · balance €12,682.50After 112 months: €2,706.67 rate · balance €12,706.67After 113 months: €2,730.84 rate · balance €12,730.84After 114 months: €2,755.00 rate · balance €12,755.00After 115 months: €2,779.17 rate · balance €12,779.17After 116 months: €2,803.34 rate · balance €12,803.34After 117 months: €2,827.50 rate · balance €12,827.50After 118 months: €2,851.67 rate · balance €12,851.67After 119 months: €2,875.84 rate · balance €12,875.84After 120 months: €2,900.00 rate · balance €12,900.00
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs9 yrs10 yrs€2,900After 1 month: €24.17 rate · balance €10,024.17After 2 months: €48.33 rate · balance €10,048.33After 3 months: €72.50 rate · balance €10,072.50After 4 months: €96.67 rate · balance €10,096.67After 5 months: €120.83 rate · balance €10,120.83After 6 months: €145.00 rate · balance €10,145.00After 7 months: €169.17 rate · balance €10,169.17After 8 months: €193.33 rate · balance €10,193.33After 9 months: €217.50 rate · balance €10,217.50After 10 months: €241.67 rate · balance €10,241.67After 11 months: €265.83 rate · balance €10,265.83After 12 months: €290.00 rate · balance €10,290.00After 13 months: €314.17 rate · balance €10,314.17After 14 months: €338.33 rate · balance €10,338.33After 15 months: €362.50 rate · balance €10,362.50After 16 months: €386.67 rate · balance €10,386.67After 17 months: €410.83 rate · balance €10,410.83After 18 months: €435.00 rate · balance €10,435.00After 19 months: €459.17 rate · balance €10,459.17After 20 months: €483.33 rate · balance €10,483.33After 21 months: €507.50 rate · balance €10,507.50After 22 months: €531.67 rate · balance €10,531.67After 23 months: €555.83 rate · balance €10,555.83After 24 months: €580.00 rate · balance €10,580.00After 25 months: €604.17 rate · balance €10,604.17After 26 months: €628.33 rate · balance €10,628.33After 27 months: €652.50 rate · balance €10,652.50After 28 months: €676.67 rate · balance €10,676.67After 29 months: €700.83 rate · balance €10,700.83After 30 months: €725.00 rate · balance €10,725.00After 31 months: €749.17 rate · balance €10,749.17After 32 months: €773.33 rate · balance €10,773.33After 33 months: €797.50 rate · balance €10,797.50After 34 months: €821.67 rate · balance €10,821.67After 35 months: €845.83 rate · balance €10,845.83After 36 months: €870.00 rate · balance €10,870.00After 37 months: €894.17 rate · balance €10,894.17After 38 months: €918.33 rate · balance €10,918.33After 39 months: €942.50 rate · balance €10,942.50After 40 months: €966.67 rate · balance €10,966.67After 41 months: €990.83 rate · balance €10,990.83After 42 months: €1,015.00 rate · balance €11,015.00After 43 months: €1,039.17 rate · balance €11,039.17After 44 months: €1,063.33 rate · balance €11,063.33After 45 months: €1,087.50 rate · balance €11,087.50After 46 months: €1,111.67 rate · balance €11,111.67After 47 months: €1,135.83 rate · balance €11,135.83After 48 months: €1,160.00 rate · balance €11,160.00After 49 months: €1,184.17 rate · balance €11,184.17After 50 months: €1,208.33 rate · balance €11,208.33After 51 months: €1,232.50 rate · balance €11,232.50After 52 months: €1,256.67 rate · balance €11,256.67After 53 months: €1,280.84 rate · balance €11,280.84After 54 months: €1,305.00 rate · balance €11,305.00After 55 months: €1,329.17 rate · balance €11,329.17After 56 months: €1,353.34 rate · balance €11,353.34After 57 months: €1,377.50 rate · balance €11,377.50After 58 months: €1,401.67 rate · balance €11,401.67After 59 months: €1,425.84 rate · balance €11,425.84After 60 months: €1,450.00 rate · balance €11,450.00After 61 months: €1,474.17 rate · balance €11,474.17After 62 months: €1,498.34 rate · balance €11,498.34After 63 months: €1,522.50 rate · balance €11,522.50After 64 months: €1,546.67 rate · balance €11,546.67After 65 months: €1,570.84 rate · balance €11,570.84After 66 months: €1,595.00 rate · balance €11,595.00After 67 months: €1,619.17 rate · balance €11,619.17After 68 months: €1,643.34 rate · balance €11,643.34After 69 months: €1,667.50 rate · balance €11,667.50After 70 months: €1,691.67 rate · balance €11,691.67After 71 months: €1,715.84 rate · balance €11,715.84After 72 months: €1,740.00 rate · balance €11,740.00After 73 months: €1,764.17 rate · balance €11,764.17After 74 months: €1,788.34 rate · balance €11,788.34After 75 months: €1,812.50 rate · balance €11,812.50After 76 months: €1,836.67 rate · balance €11,836.67After 77 months: €1,860.84 rate · balance €11,860.84After 78 months: €1,885.00 rate · balance €11,885.00After 79 months: €1,909.17 rate · balance €11,909.17After 80 months: €1,933.34 rate · balance €11,933.34After 81 months: €1,957.50 rate · balance €11,957.50After 82 months: €1,981.67 rate · balance €11,981.67After 83 months: €2,005.84 rate · balance €12,005.84After 84 months: €2,030.00 rate · balance €12,030.00After 85 months: €2,054.17 rate · balance €12,054.17After 86 months: €2,078.34 rate · balance €12,078.34After 87 months: €2,102.50 rate · balance €12,102.50After 88 months: €2,126.67 rate · balance €12,126.67After 89 months: €2,150.84 rate · balance €12,150.84After 90 months: €2,175.00 rate · balance €12,175.00After 91 months: €2,199.17 rate · balance €12,199.17After 92 months: €2,223.34 rate · balance €12,223.34After 93 months: €2,247.50 rate · balance €12,247.50After 94 months: €2,271.67 rate · balance €12,271.67After 95 months: €2,295.84 rate · balance €12,295.84After 96 months: €2,320.00 rate · balance €12,320.00After 97 months: €2,344.17 rate · balance €12,344.17After 98 months: €2,368.34 rate · balance €12,368.34After 99 months: €2,392.50 rate · balance €12,392.50After 100 months: €2,416.67 rate · balance €12,416.67After 101 months: €2,440.84 rate · balance €12,440.84After 102 months: €2,465.00 rate · balance €12,465.00After 103 months: €2,489.17 rate · balance €12,489.17After 104 months: €2,513.34 rate · balance €12,513.34After 105 months: €2,537.50 rate · balance €12,537.50After 106 months: €2,561.67 rate · balance €12,561.67After 107 months: €2,585.84 rate · balance €12,585.84After 108 months: €2,610.00 rate · balance €12,610.00After 109 months: €2,634.17 rate · balance €12,634.17After 110 months: €2,658.34 rate · balance €12,658.34After 111 months: €2,682.50 rate · balance €12,682.50After 112 months: €2,706.67 rate · balance €12,706.67After 113 months: €2,730.84 rate · balance €12,730.84After 114 months: €2,755.00 rate · balance €12,755.00After 115 months: €2,779.17 rate · balance €12,779.17After 116 months: €2,803.34 rate · balance €12,803.34After 117 months: €2,827.50 rate · balance €12,827.50After 118 months: €2,851.67 rate · balance €12,851.67After 119 months: €2,875.84 rate · balance €12,875.84After 120 months: €2,900.00 rate · balance €12,900.00
Per year
AfterInterest up to thenBalance
1 year€290€10,290
2 years€580€10,580
3 years€870€10,870
4 years€1,160€11,160
5 years€1,450€11,450
6 years€1,740€11,740
7 years€2,030€12,030
8 years€2,320€12,320
9 years€2,610€12,610
10 years€2,900€12,900

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 20242.70% from 9 Dec 2024 until 27 Mar 20252.50% from 27 Mar 2025 until 15 Oct 20252.90% from 15 Oct 2025 until 2 Sep 20262.90% 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 2024now2.90%0.15% from 22 Jun 2021 until 13 Aug 20210.10% from 13 Aug 2021 until 18 May 20221.05% from 18 May 2022 until 29 Sep 20221.90% from 29 Sep 2022 until 4 Feb 20232.00% from 4 Feb 2023 until 11 Apr 20232.30% from 11 Apr 2023 until 4 Jun 20232.50% from 4 Jun 2023 until 3 Dec 20233.25% from 3 Dec 2023 until 15 Apr 20242.80% from 15 Apr 2024 until 9 Dec 20242.70% from 9 Dec 2024 until 27 Mar 20252.50% from 27 Mar 2025 until 15 Oct 20252.90% from 15 Oct 2025 until 2 Sep 20262.90% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.90%current
15 Oct 20252.90%2 Sep 2026web archive
27 Mar 20252.50%15 Oct 2025web archive
9 Dec 20242.70%27 Mar 2025web archive
15 Apr 20242.80%9 Dec 2024web archive
3 Dec 20233.25%15 Apr 2024web archive
4 Jun 20232.50%3 Dec 2023web archive
11 Apr 20232.30%4 Jun 2023web archive
4 Feb 20232.00%11 Apr 2023web archive
29 Sep 20221.90%4 Feb 2023web archive
18 May 20221.05%29 Sep 2022web archive
13 Aug 20210.10%18 May 2022web archive
22 Jun 20210.15%13 Aug 2021web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (120 mo) 2.90%

Rate checked on 18 Sep 2026.

2.55%
9 years · 2.60% · Direct