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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 · 2 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.10%
2 years fixed
since 2 Sep 2026
Your return on €25,000
€525
per year, annualised · €1,050 total over 2 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 2 years: €1,050.
Interest built up over 2 years
€ 0€ 500€ 1kstart1 yr2 yrs€1,050After 1 month: €43.75 rate · balance €25,043.75After 2 months: €87.50 rate · balance €25,087.50After 3 months: €131.25 rate · balance €25,131.25After 4 months: €175 rate · balance €25,175After 5 months: €218.75 rate · balance €25,218.75After 6 months: €262.50 rate · balance €25,262.50After 7 months: €306.25 rate · balance €25,306.25After 8 months: €350 rate · balance €25,350

Rate and conditions

BalanceRate
€0 – and up2.10%
Interest payout
yearly, paid out
Fees
none
Access
2 years fixed · early withdrawal with loss of interest
Term
2 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%18 May 202218 Jul 2024now2.10%0.10% from 18 May 2022 until 29 Sep 20221.00% from 29 Sep 2022 until 4 Feb 20231.60% from 4 Feb 2023 until 11 Apr 20231.90% from 11 Apr 2023 until 4 Jun 20232.05% from 4 Jun 2023 until 3 Dec 20232.95% from 3 Dec 2023 until 15 Apr 20242.70% from 15 Apr 2024 until 9 Dec 20242.60% from 9 Dec 2024 until 27 Mar 2025

Other offers from Nationale-Nederlanden

Instant access · 2.30% · Direct1 year · 2.00% · 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 9 months: €393.75 rate · balance €25,393.75After 10 months: €437.50 rate · balance €25,437.50After 11 months: €481.25 rate · balance €25,481.25After 12 months: €525 rate · balance €25,525After 13 months: €568.75 rate · balance €25,568.75After 14 months: €612.50 rate · balance €25,612.50After 15 months: €656.25 rate · balance €25,656.25After 16 months: €700 rate · balance €25,700After 17 months: €743.75 rate · balance €25,743.75After 18 months: €787.50 rate · balance €25,787.50After 19 months: €831.25 rate · balance €25,831.25After 20 months: €875 rate · balance €25,875After 21 months: €918.75 rate · balance €25,918.75After 22 months: €962.50 rate · balance €25,962.50After 23 months: €1,006.25 rate · balance €26,006.25After 24 months: €1,050 rate · balance €26,050
€ 0€ 500€ 1kstart1 yr2 yrs€1,050After 1 month: €43.75 rate · balance €25,043.75After 2 months: €87.50 rate · balance €25,087.50After 3 months: €131.25 rate · balance €25,131.25After 4 months: €175 rate · balance €25,175After 5 months: €218.75 rate · balance €25,218.75After 6 months: €262.50 rate · balance €25,262.50After 7 months: €306.25 rate · balance €25,306.25After 8 months: €350 rate · balance €25,350After 9 months: €393.75 rate · balance €25,393.75After 10 months: €437.50 rate · balance €25,437.50After 11 months: €481.25 rate · balance €25,481.25After 12 months: €525 rate · balance €25,525After 13 months: €568.75 rate · balance €25,568.75After 14 months: €612.50 rate · balance €25,612.50After 15 months: €656.25 rate · balance €25,656.25After 16 months: €700 rate · balance €25,700After 17 months: €743.75 rate · balance €25,743.75After 18 months: €787.50 rate · balance €25,787.50After 19 months: €831.25 rate · balance €25,831.25After 20 months: €875 rate · balance €25,875After 21 months: €918.75 rate · balance €25,918.75After 22 months: €962.50 rate · balance €25,962.50After 23 months: €1,006.25 rate · balance €26,006.25After 24 months: €1,050 rate · balance €26,050
Per year
AfterInterest up to thenBalance
1 year€525€25,525
2 years€1,050€26,050

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

2.30% from 27 Mar 2025 until 15 Oct 20252.00% from 15 Oct 2025 until 2 Sep 20262.10% from 2 Sep 2026 until now
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%18 May 202218 Jul 2024now2.10%0.10% from 18 May 2022 until 29 Sep 20221.00% from 29 Sep 2022 until 4 Feb 20231.60% from 4 Feb 2023 until 11 Apr 20231.90% from 11 Apr 2023 until 4 Jun 20232.05% from 4 Jun 2023 until 3 Dec 20232.95% from 3 Dec 2023 until 15 Apr 20242.70% from 15 Apr 2024 until 9 Dec 20242.60% from 9 Dec 2024 until 27 Mar 20252.30% from 27 Mar 2025 until 15 Oct 20252.00% from 15 Oct 2025 until 2 Sep 20262.10% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.10%current
15 Oct 20252.00%2 Sep 2026web archive
27 Mar 20252.30%15 Oct 2025web archive
9 Dec 20242.60%27 Mar 2025web archive
15 Apr 20242.70%9 Dec 2024web archive
3 Dec 20232.95%15 Apr 2024web archive
4 Jun 20232.05%3 Dec 2023web archive
11 Apr 20231.90%4 Jun 2023web archive
4 Feb 20231.60%11 Apr 2023web archive
29 Sep 20221.00%4 Feb 2023web archive
18 May 20220.10%29 Sep 2022web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (24 mo) 2.10%

Rate checked on 18 Sep 2026.

2.60%
10 years · 2.90% · Direct