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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 · 1 year · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.00%
1 year fixed
since 2 Sep 2026
Your return on €25,000
€500
interest per year
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 1 year: €500.
Interest built up over 1 year
€ 0€ 200€ 400start6 mo1 yr€500After 1 month: €41.67 rate · balance €25,041.67After 2 months: €83.33 rate · balance €25,083.33After 3 months: €125.00 rate · balance €25,125.00After 4 months: €166.67 rate · balance €25,166.67After 5 months: €208.33 rate · balance €25,208.33After 6 months: €250.00 rate · balance €25,250.00After 7 months: €291.67 rate · balance €25,291.67After 8 months: €333.33 rate · balance €25,333.33After 9 months: €375.00 rate · balance €25,375.00After 10 months: €416.67 rate · balance €25,416.67

Rate and conditions

BalanceRate
€0 – and up2.00%
Interest payout
end of term, paid out
Fees
none
Access
1 year fixed · early withdrawal with loss of interest
Term
1 year
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

0.50%1.00%1.50%2.00%2.50%3.00%3.50%4 Feb 202326 Nov 2024now2.00%1.10% from 4 Feb 2023 until 11 Apr 20231.50% from 11 Apr 2023 until 4 Jun 20231.75% from 4 Jun 2023 until 3 Dec 20232.85% from 3 Dec 2023 until 15 Apr 20242.50% from 15 Apr 2024 until 27 Mar 20252.15% from 27 Mar 2025 until 15 Oct 20251.50% from 15 Oct 2025 until 15 Feb 20261.70% from 15 Feb 2026 until 2 Sep 20262.00% from 2 Sep 2026 until now

Other offers from Nationale-Nederlanden

Instant access · 2.30% · 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 · 2.55% · Direct9 years · · Direct
After 11 months: €458.33 rate · balance €25,458.33After 12 months: €500.00 rate · balance €25,500.00
€ 0€ 200€ 400start3 mo6 mo9 mo1 yr€500After 1 month: €41.67 rate · balance €25,041.67After 2 months: €83.33 rate · balance €25,083.33After 3 months: €125.00 rate · balance €25,125.00After 4 months: €166.67 rate · balance €25,166.67After 5 months: €208.33 rate · balance €25,208.33After 6 months: €250.00 rate · balance €25,250.00After 7 months: €291.67 rate · balance €25,291.67After 8 months: €333.33 rate · balance €25,333.33After 9 months: €375.00 rate · balance €25,375.00After 10 months: €416.67 rate · balance €25,416.67After 11 months: €458.33 rate · balance €25,458.33After 12 months: €500.00 rate · balance €25,500.00

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

0.50%1.00%1.50%2.00%2.50%3.00%3.50%4 Feb 202326 Nov 2024now2.00%1.10% from 4 Feb 2023 until 11 Apr 20231.50% from 11 Apr 2023 until 4 Jun 20231.75% from 4 Jun 2023 until 3 Dec 20232.85% from 3 Dec 2023 until 15 Apr 20242.50% from 15 Apr 2024 until 27 Mar 20252.15% from 27 Mar 2025 until 15 Oct 20251.50% from 15 Oct 2025 until 15 Feb 20261.70% from 15 Feb 2026 until 2 Sep 20262.00% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.00%current
15 Feb 20261.70%2 Sep 2026web archive
15 Oct 20251.50%15 Feb 2026web archive
27 Mar 20252.15%15 Oct 2025web archive
15 Apr 20242.50%27 Mar 2025web archive
3 Dec 20232.85%15 Apr 2024web archive
4 Jun 20231.75%3 Dec 2023web archive
11 Apr 20231.50%4 Jun 2023web archive
4 Feb 20231.10%11 Apr 2023web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (12 mo) 2.00%

Rate checked on 18 Sep 2026.

2.60%
10 years · 2.90% · Direct