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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 · 3 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.25%
3 years fixed
since 2 Sep 2026
Your return on €10,000
€225
per year, annualised · €675 total over 3 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 3 years: €675.
Interest built up over 3 years
€ 0€ 250€ 500start1 yr2 yrs3 yrs€675After 1 month: €18.75 rate · balance €10,018.75After 2 months: €37.50 rate · balance €10,037.50After 3 months: €56.25 rate · balance €10,056.25After 4 months: €75 rate · balance €10,075After 5 months: €93.75 rate · balance €10,093.75

Rate and conditions

BalanceRate
€0 – and up2.25%
Interest payout
yearly, paid out
Fees
none
Access
3 years fixed · early withdrawal with loss of interest
Term
3 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%18 May 202218 Jul 2024now2.25%0.50% from 18 May 2022 until 29 Sep 20221.30% from 29 Sep 2022 until 4 Feb 20231.65% from 4 Feb 2023 until 11 Apr 20232.00% from 11 Apr 2023 until 4 Jun 20232.20% from 4 Jun 2023 until 3 Dec 20233.05% from 3 Dec 2023 until 15 Apr 20242.80% 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% · Direct2 years · 2.10% · Direct4 years · 2.30% · Direct5 years · 2.40% · Direct6 years · 2.45% · Direct7 years · 2.50% · Direct8 years · 2.55% · Direct9 years · · Direct
After 6 months: €112.50 rate · balance €10,112.50After 7 months: €131.25 rate · balance €10,131.25After 8 months: €150 rate · balance €10,150After 9 months: €168.75 rate · balance €10,168.75After 10 months: €187.50 rate · balance €10,187.50After 11 months: €206.25 rate · balance €10,206.25After 12 months: €225 rate · balance €10,225After 13 months: €243.75 rate · balance €10,243.75After 14 months: €262.50 rate · balance €10,262.50After 15 months: €281.25 rate · balance €10,281.25After 16 months: €300 rate · balance €10,300After 17 months: €318.75 rate · balance €10,318.75After 18 months: €337.50 rate · balance €10,337.50After 19 months: €356.25 rate · balance €10,356.25After 20 months: €375 rate · balance €10,375After 21 months: €393.75 rate · balance €10,393.75After 22 months: €412.50 rate · balance €10,412.50After 23 months: €431.25 rate · balance €10,431.25After 24 months: €450 rate · balance €10,450After 25 months: €468.75 rate · balance €10,468.75After 26 months: €487.50 rate · balance €10,487.50After 27 months: €506.25 rate · balance €10,506.25After 28 months: €525 rate · balance €10,525After 29 months: €543.75 rate · balance €10,543.75After 30 months: €562.50 rate · balance €10,562.50After 31 months: €581.25 rate · balance €10,581.25After 32 months: €600 rate · balance €10,600After 33 months: €618.75 rate · balance €10,618.75After 34 months: €637.50 rate · balance €10,637.50After 35 months: €656.25 rate · balance €10,656.25After 36 months: €675 rate · balance €10,675
€ 0€ 250€ 500start1 yr2 yrs3 yrs€675After 1 month: €18.75 rate · balance €10,018.75After 2 months: €37.50 rate · balance €10,037.50After 3 months: €56.25 rate · balance €10,056.25After 4 months: €75 rate · balance €10,075After 5 months: €93.75 rate · balance €10,093.75After 6 months: €112.50 rate · balance €10,112.50After 7 months: €131.25 rate · balance €10,131.25After 8 months: €150 rate · balance €10,150After 9 months: €168.75 rate · balance €10,168.75After 10 months: €187.50 rate · balance €10,187.50After 11 months: €206.25 rate · balance €10,206.25After 12 months: €225 rate · balance €10,225After 13 months: €243.75 rate · balance €10,243.75After 14 months: €262.50 rate · balance €10,262.50After 15 months: €281.25 rate · balance €10,281.25After 16 months: €300 rate · balance €10,300After 17 months: €318.75 rate · balance €10,318.75After 18 months: €337.50 rate · balance €10,337.50After 19 months: €356.25 rate · balance €10,356.25After 20 months: €375 rate · balance €10,375After 21 months: €393.75 rate · balance €10,393.75After 22 months: €412.50 rate · balance €10,412.50After 23 months: €431.25 rate · balance €10,431.25After 24 months: €450 rate · balance €10,450After 25 months: €468.75 rate · balance €10,468.75After 26 months: €487.50 rate · balance €10,487.50After 27 months: €506.25 rate · balance €10,506.25After 28 months: €525 rate · balance €10,525After 29 months: €543.75 rate · balance €10,543.75After 30 months: €562.50 rate · balance €10,562.50After 31 months: €581.25 rate · balance €10,581.25After 32 months: €600 rate · balance €10,600After 33 months: €618.75 rate · balance €10,618.75After 34 months: €637.50 rate · balance €10,637.50After 35 months: €656.25 rate · balance €10,656.25After 36 months: €675 rate · balance €10,675
Per year
AfterInterest up to thenBalance
1 year€225€10,225
2 years€450€10,450
3 years€675€10,675

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

2.35% from 27 Mar 2025 until 15 Oct 20252.15% from 15 Oct 2025 until 2 Sep 20262.25% 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 2024now2.25%0.50% from 18 May 2022 until 29 Sep 20221.30% from 29 Sep 2022 until 4 Feb 20231.65% from 4 Feb 2023 until 11 Apr 20232.00% from 11 Apr 2023 until 4 Jun 20232.20% from 4 Jun 2023 until 3 Dec 20233.05% from 3 Dec 2023 until 15 Apr 20242.80% from 15 Apr 2024 until 9 Dec 20242.60% from 9 Dec 2024 until 27 Mar 20252.35% from 27 Mar 2025 until 15 Oct 20252.15% from 15 Oct 2025 until 2 Sep 20262.25% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.25%current
15 Oct 20252.15%2 Sep 2026web archive
27 Mar 20252.35%15 Oct 2025web archive
9 Dec 20242.60%27 Mar 2025web archive
15 Apr 20242.80%9 Dec 2024web archive
3 Dec 20233.05%15 Apr 2024web archive
4 Jun 20232.20%3 Dec 2023web archive
11 Apr 20232.00%4 Jun 2023web archive
4 Feb 20231.65%11 Apr 2023web archive
29 Sep 20221.30%4 Feb 2023web archive
18 May 20220.50%29 Sep 2022web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (36 mo) 2.25%

Rate checked on 18 Sep 2026.

2.60%
10 years · 2.90% · Direct