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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 €16,600
€481
per year, annualised · €4,814 total over 10 years
Deposit guarantee
€16,600 fully protected
Dutch scheme

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

Your calculation for €16,600

Gross interest over 10 years: €4,814.
Interest built up over 10 years
€ 0€ 2k€ 4kstart3 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

€16,600 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
€4,814After 1 month: €40.12 rate · balance €16,640.12After 2 months: €80.23 rate · balance €16,680.23After 3 months: €120.35 rate · balance €16,720.35After 4 months: €160.47 rate · balance €16,760.47After 5 months: €200.58 rate · balance €16,800.58After 6 months: €240.70 rate · balance €16,840.70After 7 months: €280.82 rate · balance €16,880.82After 8 months: €320.93 rate · balance €16,920.93After 9 months: €361.05 rate · balance €16,961.05After 10 months: €401.17 rate · balance €17,001.17After 11 months: €441.28 rate · balance €17,041.28After 12 months: €481.40 rate · balance €17,081.40After 13 months: €521.52 rate · balance €17,121.52After 14 months: €561.63 rate · balance €17,161.63After 15 months: €601.75 rate · balance €17,201.75After 16 months: €641.87 rate · balance €17,241.87After 17 months: €681.98 rate · balance €17,281.98After 18 months: €722.10 rate · balance €17,322.10After 19 months: €762.22 rate · balance €17,362.22After 20 months: €802.33 rate · balance €17,402.33After 21 months: €842.45 rate · balance €17,442.45After 22 months: €882.57 rate · balance €17,482.57After 23 months: €922.68 rate · balance €17,522.68After 24 months: €962.80 rate · balance €17,562.80After 25 months: €1,002.92 rate · balance €17,602.92After 26 months: €1,043.03 rate · balance €17,643.03After 27 months: €1,083.15 rate · balance €17,683.15After 28 months: €1,123.27 rate · balance €17,723.27After 29 months: €1,163.38 rate · balance €17,763.38After 30 months: €1,203.50 rate · balance €17,803.50After 31 months: €1,243.62 rate · balance €17,843.62After 32 months: €1,283.73 rate · balance €17,883.73After 33 months: €1,323.85 rate · balance €17,923.85After 34 months: €1,363.97 rate · balance €17,963.97After 35 months: €1,404.08 rate · balance €18,004.08After 36 months: €1,444.20 rate · balance €18,044.20After 37 months: €1,484.32 rate · balance €18,084.32After 38 months: €1,524.43 rate · balance €18,124.43After 39 months: €1,564.55 rate · balance €18,164.55After 40 months: €1,604.67 rate · balance €18,204.67After 41 months: €1,644.78 rate · balance €18,244.78After 42 months: €1,684.90 rate · balance €18,284.90After 43 months: €1,725.02 rate · balance €18,325.02After 44 months: €1,765.13 rate · balance €18,365.13After 45 months: €1,805.25 rate · balance €18,405.25After 46 months: €1,845.37 rate · balance €18,445.37After 47 months: €1,885.48 rate · balance €18,485.48After 48 months: €1,925.60 rate · balance €18,525.60After 49 months: €1,965.72 rate · balance €18,565.72After 50 months: €2,005.84 rate · balance €18,605.84After 51 months: €2,045.95 rate · balance €18,645.95After 52 months: €2,086.07 rate · balance €18,686.07After 53 months: €2,126.19 rate · balance €18,726.19After 54 months: €2,166.30 rate · balance €18,766.30After 55 months: €2,206.42 rate · balance €18,806.42After 56 months: €2,246.54 rate · balance €18,846.54After 57 months: €2,286.65 rate · balance €18,886.65After 58 months: €2,326.77 rate · balance €18,926.77After 59 months: €2,366.89 rate · balance €18,966.89After 60 months: €2,407.00 rate · balance €19,007.00After 61 months: €2,447.12 rate · balance €19,047.12After 62 months: €2,487.24 rate · balance €19,087.24After 63 months: €2,527.35 rate · balance €19,127.35After 64 months: €2,567.47 rate · balance €19,167.47After 65 months: €2,607.59 rate · balance €19,207.59After 66 months: €2,647.70 rate · balance €19,247.70After 67 months: €2,687.82 rate · balance €19,287.82After 68 months: €2,727.94 rate · balance €19,327.94After 69 months: €2,768.05 rate · balance €19,368.05After 70 months: €2,808.17 rate · balance €19,408.17After 71 months: €2,848.29 rate · balance €19,448.29After 72 months: €2,888.40 rate · balance €19,488.40After 73 months: €2,928.52 rate · balance €19,528.52After 74 months: €2,968.64 rate · balance €19,568.64After 75 months: €3,008.75 rate · balance €19,608.75After 76 months: €3,048.87 rate · balance €19,648.87After 77 months: €3,088.99 rate · balance €19,688.99After 78 months: €3,129.10 rate · balance €19,729.10After 79 months: €3,169.22 rate · balance €19,769.22After 80 months: €3,209.34 rate · balance €19,809.34After 81 months: €3,249.45 rate · balance €19,849.45After 82 months: €3,289.57 rate · balance €19,889.57After 83 months: €3,329.69 rate · balance €19,929.69After 84 months: €3,369.80 rate · balance €19,969.80After 85 months: €3,409.92 rate · balance €20,009.92After 86 months: €3,450.04 rate · balance €20,050.04After 87 months: €3,490.15 rate · balance €20,090.15After 88 months: €3,530.27 rate · balance €20,130.27After 89 months: €3,570.39 rate · balance €20,170.39After 90 months: €3,610.50 rate · balance €20,210.50After 91 months: €3,650.62 rate · balance €20,250.62After 92 months: €3,690.74 rate · balance €20,290.74After 93 months: €3,730.85 rate · balance €20,330.85After 94 months: €3,770.97 rate · balance €20,370.97After 95 months: €3,811.09 rate · balance €20,411.09After 96 months: €3,851.20 rate · balance €20,451.20After 97 months: €3,891.32 rate · balance €20,491.32After 98 months: €3,931.44 rate · balance €20,531.44After 99 months: €3,971.55 rate · balance €20,571.55After 100 months: €4,011.67 rate · balance €20,611.67After 101 months: €4,051.79 rate · balance €20,651.79After 102 months: €4,091.90 rate · balance €20,691.90After 103 months: €4,132.02 rate · balance €20,732.02After 104 months: €4,172.14 rate · balance €20,772.14After 105 months: €4,212.25 rate · balance €20,812.25After 106 months: €4,252.37 rate · balance €20,852.37After 107 months: €4,292.49 rate · balance €20,892.49After 108 months: €4,332.60 rate · balance €20,932.60After 109 months: €4,372.72 rate · balance €20,972.72After 110 months: €4,412.84 rate · balance €21,012.84After 111 months: €4,452.95 rate · balance €21,052.95After 112 months: €4,493.07 rate · balance €21,093.07After 113 months: €4,533.19 rate · balance €21,133.19After 114 months: €4,573.30 rate · balance €21,173.30After 115 months: €4,613.42 rate · balance €21,213.42After 116 months: €4,653.54 rate · balance €21,253.54After 117 months: €4,693.65 rate · balance €21,293.65After 118 months: €4,733.77 rate · balance €21,333.77After 119 months: €4,773.89 rate · balance €21,373.89After 120 months: €4,814.00 rate · balance €21,414.00
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs9 yrs10 yrs€4,814After 1 month: €40.12 rate · balance €16,640.12After 2 months: €80.23 rate · balance €16,680.23After 3 months: €120.35 rate · balance €16,720.35After 4 months: €160.47 rate · balance €16,760.47After 5 months: €200.58 rate · balance €16,800.58After 6 months: €240.70 rate · balance €16,840.70After 7 months: €280.82 rate · balance €16,880.82After 8 months: €320.93 rate · balance €16,920.93After 9 months: €361.05 rate · balance €16,961.05After 10 months: €401.17 rate · balance €17,001.17After 11 months: €441.28 rate · balance €17,041.28After 12 months: €481.40 rate · balance €17,081.40After 13 months: €521.52 rate · balance €17,121.52After 14 months: €561.63 rate · balance €17,161.63After 15 months: €601.75 rate · balance €17,201.75After 16 months: €641.87 rate · balance €17,241.87After 17 months: €681.98 rate · balance €17,281.98After 18 months: €722.10 rate · balance €17,322.10After 19 months: €762.22 rate · balance €17,362.22After 20 months: €802.33 rate · balance €17,402.33After 21 months: €842.45 rate · balance €17,442.45After 22 months: €882.57 rate · balance €17,482.57After 23 months: €922.68 rate · balance €17,522.68After 24 months: €962.80 rate · balance €17,562.80After 25 months: €1,002.92 rate · balance €17,602.92After 26 months: €1,043.03 rate · balance €17,643.03After 27 months: €1,083.15 rate · balance €17,683.15After 28 months: €1,123.27 rate · balance €17,723.27After 29 months: €1,163.38 rate · balance €17,763.38After 30 months: €1,203.50 rate · balance €17,803.50After 31 months: €1,243.62 rate · balance €17,843.62After 32 months: €1,283.73 rate · balance €17,883.73After 33 months: €1,323.85 rate · balance €17,923.85After 34 months: €1,363.97 rate · balance €17,963.97After 35 months: €1,404.08 rate · balance €18,004.08After 36 months: €1,444.20 rate · balance €18,044.20After 37 months: €1,484.32 rate · balance €18,084.32After 38 months: €1,524.43 rate · balance €18,124.43After 39 months: €1,564.55 rate · balance €18,164.55After 40 months: €1,604.67 rate · balance €18,204.67After 41 months: €1,644.78 rate · balance €18,244.78After 42 months: €1,684.90 rate · balance €18,284.90After 43 months: €1,725.02 rate · balance €18,325.02After 44 months: €1,765.13 rate · balance €18,365.13After 45 months: €1,805.25 rate · balance €18,405.25After 46 months: €1,845.37 rate · balance €18,445.37After 47 months: €1,885.48 rate · balance €18,485.48After 48 months: €1,925.60 rate · balance €18,525.60After 49 months: €1,965.72 rate · balance €18,565.72After 50 months: €2,005.84 rate · balance €18,605.84After 51 months: €2,045.95 rate · balance €18,645.95After 52 months: €2,086.07 rate · balance €18,686.07After 53 months: €2,126.19 rate · balance €18,726.19After 54 months: €2,166.30 rate · balance €18,766.30After 55 months: €2,206.42 rate · balance €18,806.42After 56 months: €2,246.54 rate · balance €18,846.54After 57 months: €2,286.65 rate · balance €18,886.65After 58 months: €2,326.77 rate · balance €18,926.77After 59 months: €2,366.89 rate · balance €18,966.89After 60 months: €2,407.00 rate · balance €19,007.00After 61 months: €2,447.12 rate · balance €19,047.12After 62 months: €2,487.24 rate · balance €19,087.24After 63 months: €2,527.35 rate · balance €19,127.35After 64 months: €2,567.47 rate · balance €19,167.47After 65 months: €2,607.59 rate · balance €19,207.59After 66 months: €2,647.70 rate · balance €19,247.70After 67 months: €2,687.82 rate · balance €19,287.82After 68 months: €2,727.94 rate · balance €19,327.94After 69 months: €2,768.05 rate · balance €19,368.05After 70 months: €2,808.17 rate · balance €19,408.17After 71 months: €2,848.29 rate · balance €19,448.29After 72 months: €2,888.40 rate · balance €19,488.40After 73 months: €2,928.52 rate · balance €19,528.52After 74 months: €2,968.64 rate · balance €19,568.64After 75 months: €3,008.75 rate · balance €19,608.75After 76 months: €3,048.87 rate · balance €19,648.87After 77 months: €3,088.99 rate · balance €19,688.99After 78 months: €3,129.10 rate · balance €19,729.10After 79 months: €3,169.22 rate · balance €19,769.22After 80 months: €3,209.34 rate · balance €19,809.34After 81 months: €3,249.45 rate · balance €19,849.45After 82 months: €3,289.57 rate · balance €19,889.57After 83 months: €3,329.69 rate · balance €19,929.69After 84 months: €3,369.80 rate · balance €19,969.80After 85 months: €3,409.92 rate · balance €20,009.92After 86 months: €3,450.04 rate · balance €20,050.04After 87 months: €3,490.15 rate · balance €20,090.15After 88 months: €3,530.27 rate · balance €20,130.27After 89 months: €3,570.39 rate · balance €20,170.39After 90 months: €3,610.50 rate · balance €20,210.50After 91 months: €3,650.62 rate · balance €20,250.62After 92 months: €3,690.74 rate · balance €20,290.74After 93 months: €3,730.85 rate · balance €20,330.85After 94 months: €3,770.97 rate · balance €20,370.97After 95 months: €3,811.09 rate · balance €20,411.09After 96 months: €3,851.20 rate · balance €20,451.20After 97 months: €3,891.32 rate · balance €20,491.32After 98 months: €3,931.44 rate · balance €20,531.44After 99 months: €3,971.55 rate · balance €20,571.55After 100 months: €4,011.67 rate · balance €20,611.67After 101 months: €4,051.79 rate · balance €20,651.79After 102 months: €4,091.90 rate · balance €20,691.90After 103 months: €4,132.02 rate · balance €20,732.02After 104 months: €4,172.14 rate · balance €20,772.14After 105 months: €4,212.25 rate · balance €20,812.25After 106 months: €4,252.37 rate · balance €20,852.37After 107 months: €4,292.49 rate · balance €20,892.49After 108 months: €4,332.60 rate · balance €20,932.60After 109 months: €4,372.72 rate · balance €20,972.72After 110 months: €4,412.84 rate · balance €21,012.84After 111 months: €4,452.95 rate · balance €21,052.95After 112 months: €4,493.07 rate · balance €21,093.07After 113 months: €4,533.19 rate · balance €21,133.19After 114 months: €4,573.30 rate · balance €21,173.30After 115 months: €4,613.42 rate · balance €21,213.42After 116 months: €4,653.54 rate · balance €21,253.54After 117 months: €4,693.65 rate · balance €21,293.65After 118 months: €4,733.77 rate · balance €21,333.77After 119 months: €4,773.89 rate · balance €21,373.89After 120 months: €4,814.00 rate · balance €21,414.00
Per year
AfterInterest up to thenBalance
1 year€481€17,081
2 years€963€17,563
3 years€1,444€18,044
4 years€1,926€18,526
5 years€2,407€19,007
6 years€2,888€19,488
7 years€3,370€19,970
8 years€3,851€20,451
9 years€4,333€20,933
10 years€4,814€21,414

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 19 Sep 2026.

2.55%
9 years · 2.60% · Direct