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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 €25,000
€725
per year, annualised · €7,250 total over 10 years
Deposit guarantee
€25,000 fully protected
Dutch scheme

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

Your calculation for €25,000

Gross interest over 10 years: €7,250.
Interest built up over 10 years
€ 0€ 2,5k€ 5kstart3 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

€25,000 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
€7,250After 1 month: €60.42 rate · balance €25,060.42After 2 months: €120.83 rate · balance €25,120.83After 3 months: €181.25 rate · balance €25,181.25After 4 months: €241.67 rate · balance €25,241.67After 5 months: €302.08 rate · balance €25,302.08After 6 months: €362.50 rate · balance €25,362.50After 7 months: €422.92 rate · balance €25,422.92After 8 months: €483.33 rate · balance €25,483.33After 9 months: €543.75 rate · balance €25,543.75After 10 months: €604.17 rate · balance €25,604.17After 11 months: €664.58 rate · balance €25,664.58After 12 months: €725.00 rate · balance €25,725.00After 13 months: €785.42 rate · balance €25,785.42After 14 months: €845.83 rate · balance €25,845.83After 15 months: €906.25 rate · balance €25,906.25After 16 months: €966.67 rate · balance €25,966.67After 17 months: €1,027.08 rate · balance €26,027.08After 18 months: €1,087.50 rate · balance €26,087.50After 19 months: €1,147.92 rate · balance €26,147.92After 20 months: €1,208.33 rate · balance €26,208.33After 21 months: €1,268.75 rate · balance €26,268.75After 22 months: €1,329.17 rate · balance €26,329.17After 23 months: €1,389.58 rate · balance €26,389.58After 24 months: €1,450.00 rate · balance €26,450.00After 25 months: €1,510.42 rate · balance €26,510.42After 26 months: €1,570.83 rate · balance €26,570.83After 27 months: €1,631.25 rate · balance €26,631.25After 28 months: €1,691.67 rate · balance €26,691.67After 29 months: €1,752.08 rate · balance €26,752.08After 30 months: €1,812.50 rate · balance €26,812.50After 31 months: €1,872.92 rate · balance €26,872.92After 32 months: €1,933.33 rate · balance €26,933.33After 33 months: €1,993.75 rate · balance €26,993.75After 34 months: €2,054.17 rate · balance €27,054.17After 35 months: €2,114.58 rate · balance €27,114.58After 36 months: €2,175.00 rate · balance €27,175.00After 37 months: €2,235.42 rate · balance €27,235.42After 38 months: €2,295.83 rate · balance €27,295.83After 39 months: €2,356.25 rate · balance €27,356.25After 40 months: €2,416.67 rate · balance €27,416.67After 41 months: €2,477.08 rate · balance €27,477.08After 42 months: €2,537.50 rate · balance €27,537.50After 43 months: €2,597.92 rate · balance €27,597.92After 44 months: €2,658.33 rate · balance €27,658.33After 45 months: €2,718.75 rate · balance €27,718.75After 46 months: €2,779.17 rate · balance €27,779.17After 47 months: €2,839.58 rate · balance €27,839.58After 48 months: €2,900.00 rate · balance €27,900.00After 49 months: €2,960.42 rate · balance €27,960.42After 50 months: €3,020.84 rate · balance €28,020.84After 51 months: €3,081.25 rate · balance €28,081.25After 52 months: €3,141.67 rate · balance €28,141.67After 53 months: €3,202.09 rate · balance €28,202.09After 54 months: €3,262.50 rate · balance €28,262.50After 55 months: €3,322.92 rate · balance €28,322.92After 56 months: €3,383.34 rate · balance €28,383.34After 57 months: €3,443.75 rate · balance €28,443.75After 58 months: €3,504.17 rate · balance €28,504.17After 59 months: €3,564.59 rate · balance €28,564.59After 60 months: €3,625.00 rate · balance €28,625.00After 61 months: €3,685.42 rate · balance €28,685.42After 62 months: €3,745.84 rate · balance €28,745.84After 63 months: €3,806.25 rate · balance €28,806.25After 64 months: €3,866.67 rate · balance €28,866.67After 65 months: €3,927.09 rate · balance €28,927.09After 66 months: €3,987.50 rate · balance €28,987.50After 67 months: €4,047.92 rate · balance €29,047.92After 68 months: €4,108.34 rate · balance €29,108.34After 69 months: €4,168.75 rate · balance €29,168.75After 70 months: €4,229.17 rate · balance €29,229.17After 71 months: €4,289.59 rate · balance €29,289.59After 72 months: €4,350.00 rate · balance €29,350.00After 73 months: €4,410.42 rate · balance €29,410.42After 74 months: €4,470.84 rate · balance €29,470.84After 75 months: €4,531.25 rate · balance €29,531.25After 76 months: €4,591.67 rate · balance €29,591.67After 77 months: €4,652.09 rate · balance €29,652.09After 78 months: €4,712.50 rate · balance €29,712.50After 79 months: €4,772.92 rate · balance €29,772.92After 80 months: €4,833.34 rate · balance €29,833.34After 81 months: €4,893.75 rate · balance €29,893.75After 82 months: €4,954.17 rate · balance €29,954.17After 83 months: €5,014.59 rate · balance €30,014.59After 84 months: €5,075.00 rate · balance €30,075.00After 85 months: €5,135.42 rate · balance €30,135.42After 86 months: €5,195.84 rate · balance €30,195.84After 87 months: €5,256.25 rate · balance €30,256.25After 88 months: €5,316.67 rate · balance €30,316.67After 89 months: €5,377.09 rate · balance €30,377.09After 90 months: €5,437.50 rate · balance €30,437.50After 91 months: €5,497.92 rate · balance €30,497.92After 92 months: €5,558.34 rate · balance €30,558.34After 93 months: €5,618.75 rate · balance €30,618.75After 94 months: €5,679.17 rate · balance €30,679.17After 95 months: €5,739.59 rate · balance €30,739.59After 96 months: €5,800.00 rate · balance €30,800.00After 97 months: €5,860.42 rate · balance €30,860.42After 98 months: €5,920.84 rate · balance €30,920.84After 99 months: €5,981.25 rate · balance €30,981.25After 100 months: €6,041.67 rate · balance €31,041.67After 101 months: €6,102.09 rate · balance €31,102.09After 102 months: €6,162.50 rate · balance €31,162.50After 103 months: €6,222.92 rate · balance €31,222.92After 104 months: €6,283.34 rate · balance €31,283.34After 105 months: €6,343.75 rate · balance €31,343.75After 106 months: €6,404.17 rate · balance €31,404.17After 107 months: €6,464.59 rate · balance €31,464.59After 108 months: €6,525.00 rate · balance €31,525.00After 109 months: €6,585.42 rate · balance €31,585.42After 110 months: €6,645.84 rate · balance €31,645.84After 111 months: €6,706.25 rate · balance €31,706.25After 112 months: €6,766.67 rate · balance €31,766.67After 113 months: €6,827.09 rate · balance €31,827.09After 114 months: €6,887.50 rate · balance €31,887.50After 115 months: €6,947.92 rate · balance €31,947.92After 116 months: €7,008.34 rate · balance €32,008.34After 117 months: €7,068.75 rate · balance €32,068.75After 118 months: €7,129.17 rate · balance €32,129.17After 119 months: €7,189.59 rate · balance €32,189.59After 120 months: €7,250.00 rate · balance €32,250.00
€ 0€ 2,5k€ 5kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs9 yrs10 yrs€7,250After 1 month: €60.42 rate · balance €25,060.42After 2 months: €120.83 rate · balance €25,120.83After 3 months: €181.25 rate · balance €25,181.25After 4 months: €241.67 rate · balance €25,241.67After 5 months: €302.08 rate · balance €25,302.08After 6 months: €362.50 rate · balance €25,362.50After 7 months: €422.92 rate · balance €25,422.92After 8 months: €483.33 rate · balance €25,483.33After 9 months: €543.75 rate · balance €25,543.75After 10 months: €604.17 rate · balance €25,604.17After 11 months: €664.58 rate · balance €25,664.58After 12 months: €725.00 rate · balance €25,725.00After 13 months: €785.42 rate · balance €25,785.42After 14 months: €845.83 rate · balance €25,845.83After 15 months: €906.25 rate · balance €25,906.25After 16 months: €966.67 rate · balance €25,966.67After 17 months: €1,027.08 rate · balance €26,027.08After 18 months: €1,087.50 rate · balance €26,087.50After 19 months: €1,147.92 rate · balance €26,147.92After 20 months: €1,208.33 rate · balance €26,208.33After 21 months: €1,268.75 rate · balance €26,268.75After 22 months: €1,329.17 rate · balance €26,329.17After 23 months: €1,389.58 rate · balance €26,389.58After 24 months: €1,450.00 rate · balance €26,450.00After 25 months: €1,510.42 rate · balance €26,510.42After 26 months: €1,570.83 rate · balance €26,570.83After 27 months: €1,631.25 rate · balance €26,631.25After 28 months: €1,691.67 rate · balance €26,691.67After 29 months: €1,752.08 rate · balance €26,752.08After 30 months: €1,812.50 rate · balance €26,812.50After 31 months: €1,872.92 rate · balance €26,872.92After 32 months: €1,933.33 rate · balance €26,933.33After 33 months: €1,993.75 rate · balance €26,993.75After 34 months: €2,054.17 rate · balance €27,054.17After 35 months: €2,114.58 rate · balance €27,114.58After 36 months: €2,175.00 rate · balance €27,175.00After 37 months: €2,235.42 rate · balance €27,235.42After 38 months: €2,295.83 rate · balance €27,295.83After 39 months: €2,356.25 rate · balance €27,356.25After 40 months: €2,416.67 rate · balance €27,416.67After 41 months: €2,477.08 rate · balance €27,477.08After 42 months: €2,537.50 rate · balance €27,537.50After 43 months: €2,597.92 rate · balance €27,597.92After 44 months: €2,658.33 rate · balance €27,658.33After 45 months: €2,718.75 rate · balance €27,718.75After 46 months: €2,779.17 rate · balance €27,779.17After 47 months: €2,839.58 rate · balance €27,839.58After 48 months: €2,900.00 rate · balance €27,900.00After 49 months: €2,960.42 rate · balance €27,960.42After 50 months: €3,020.84 rate · balance €28,020.84After 51 months: €3,081.25 rate · balance €28,081.25After 52 months: €3,141.67 rate · balance €28,141.67After 53 months: €3,202.09 rate · balance €28,202.09After 54 months: €3,262.50 rate · balance €28,262.50After 55 months: €3,322.92 rate · balance €28,322.92After 56 months: €3,383.34 rate · balance €28,383.34After 57 months: €3,443.75 rate · balance €28,443.75After 58 months: €3,504.17 rate · balance €28,504.17After 59 months: €3,564.59 rate · balance €28,564.59After 60 months: €3,625.00 rate · balance €28,625.00After 61 months: €3,685.42 rate · balance €28,685.42After 62 months: €3,745.84 rate · balance €28,745.84After 63 months: €3,806.25 rate · balance €28,806.25After 64 months: €3,866.67 rate · balance €28,866.67After 65 months: €3,927.09 rate · balance €28,927.09After 66 months: €3,987.50 rate · balance €28,987.50After 67 months: €4,047.92 rate · balance €29,047.92After 68 months: €4,108.34 rate · balance €29,108.34After 69 months: €4,168.75 rate · balance €29,168.75After 70 months: €4,229.17 rate · balance €29,229.17After 71 months: €4,289.59 rate · balance €29,289.59After 72 months: €4,350.00 rate · balance €29,350.00After 73 months: €4,410.42 rate · balance €29,410.42After 74 months: €4,470.84 rate · balance €29,470.84After 75 months: €4,531.25 rate · balance €29,531.25After 76 months: €4,591.67 rate · balance €29,591.67After 77 months: €4,652.09 rate · balance €29,652.09After 78 months: €4,712.50 rate · balance €29,712.50After 79 months: €4,772.92 rate · balance €29,772.92After 80 months: €4,833.34 rate · balance €29,833.34After 81 months: €4,893.75 rate · balance €29,893.75After 82 months: €4,954.17 rate · balance €29,954.17After 83 months: €5,014.59 rate · balance €30,014.59After 84 months: €5,075.00 rate · balance €30,075.00After 85 months: €5,135.42 rate · balance €30,135.42After 86 months: €5,195.84 rate · balance €30,195.84After 87 months: €5,256.25 rate · balance €30,256.25After 88 months: €5,316.67 rate · balance €30,316.67After 89 months: €5,377.09 rate · balance €30,377.09After 90 months: €5,437.50 rate · balance €30,437.50After 91 months: €5,497.92 rate · balance €30,497.92After 92 months: €5,558.34 rate · balance €30,558.34After 93 months: €5,618.75 rate · balance €30,618.75After 94 months: €5,679.17 rate · balance €30,679.17After 95 months: €5,739.59 rate · balance €30,739.59After 96 months: €5,800.00 rate · balance €30,800.00After 97 months: €5,860.42 rate · balance €30,860.42After 98 months: €5,920.84 rate · balance €30,920.84After 99 months: €5,981.25 rate · balance €30,981.25After 100 months: €6,041.67 rate · balance €31,041.67After 101 months: €6,102.09 rate · balance €31,102.09After 102 months: €6,162.50 rate · balance €31,162.50After 103 months: €6,222.92 rate · balance €31,222.92After 104 months: €6,283.34 rate · balance €31,283.34After 105 months: €6,343.75 rate · balance €31,343.75After 106 months: €6,404.17 rate · balance €31,404.17After 107 months: €6,464.59 rate · balance €31,464.59After 108 months: €6,525.00 rate · balance €31,525.00After 109 months: €6,585.42 rate · balance €31,585.42After 110 months: €6,645.84 rate · balance €31,645.84After 111 months: €6,706.25 rate · balance €31,706.25After 112 months: €6,766.67 rate · balance €31,766.67After 113 months: €6,827.09 rate · balance €31,827.09After 114 months: €6,887.50 rate · balance €31,887.50After 115 months: €6,947.92 rate · balance €31,947.92After 116 months: €7,008.34 rate · balance €32,008.34After 117 months: €7,068.75 rate · balance €32,068.75After 118 months: €7,129.17 rate · balance €32,129.17After 119 months: €7,189.59 rate · balance €32,189.59After 120 months: €7,250.00 rate · balance €32,250.00
Per year
AfterInterest up to thenBalance
1 year€725€25,725
2 years€1,450€26,450
3 years€2,175€27,175
4 years€2,900€27,900
5 years€3,625€28,625
6 years€4,350€29,350
7 years€5,075€30,075
8 years€5,800€30,800
9 years€6,525€31,525
10 years€7,250€32,250

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