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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 €16,600
€374
per year, annualised · €1,121 total over 3 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 3 years: €1,121.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,121After 1 month: €31.13 rate · balance €16,631.13After 2 months: €62.25 rate · balance €16,662.25After 3 months: €93.38 rate · balance €16,693.38After 4 months: €124.50 rate · balance €16,724.50

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

€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%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 5 months: €155.63 rate · balance €16,755.63After 6 months: €186.75 rate · balance €16,786.75After 7 months: €217.88 rate · balance €16,817.88After 8 months: €249 rate · balance €16,849After 9 months: €280.13 rate · balance €16,880.13After 10 months: €311.25 rate · balance €16,911.25After 11 months: €342.38 rate · balance €16,942.38After 12 months: €373.50 rate · balance €16,973.50After 13 months: €404.63 rate · balance €17,004.63After 14 months: €435.75 rate · balance €17,035.75After 15 months: €466.88 rate · balance €17,066.88After 16 months: €498 rate · balance €17,098After 17 months: €529.13 rate · balance €17,129.13After 18 months: €560.25 rate · balance €17,160.25After 19 months: €591.38 rate · balance €17,191.38After 20 months: €622.50 rate · balance €17,222.50After 21 months: €653.63 rate · balance €17,253.63After 22 months: €684.75 rate · balance €17,284.75After 23 months: €715.88 rate · balance €17,315.88After 24 months: €747 rate · balance €17,347After 25 months: €778.13 rate · balance €17,378.13After 26 months: €809.25 rate · balance €17,409.25After 27 months: €840.38 rate · balance €17,440.38After 28 months: €871.50 rate · balance €17,471.50After 29 months: €902.63 rate · balance €17,502.63After 30 months: €933.75 rate · balance €17,533.75After 31 months: €964.88 rate · balance €17,564.88After 32 months: €996 rate · balance €17,596After 33 months: €1,027.13 rate · balance €17,627.13After 34 months: €1,058.25 rate · balance €17,658.25After 35 months: €1,089.38 rate · balance €17,689.38After 36 months: €1,120.50 rate · balance €17,720.50
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,121After 1 month: €31.13 rate · balance €16,631.13After 2 months: €62.25 rate · balance €16,662.25After 3 months: €93.38 rate · balance €16,693.38After 4 months: €124.50 rate · balance €16,724.50After 5 months: €155.63 rate · balance €16,755.63After 6 months: €186.75 rate · balance €16,786.75After 7 months: €217.88 rate · balance €16,817.88After 8 months: €249 rate · balance €16,849After 9 months: €280.13 rate · balance €16,880.13After 10 months: €311.25 rate · balance €16,911.25After 11 months: €342.38 rate · balance €16,942.38After 12 months: €373.50 rate · balance €16,973.50After 13 months: €404.63 rate · balance €17,004.63After 14 months: €435.75 rate · balance €17,035.75After 15 months: €466.88 rate · balance €17,066.88After 16 months: €498 rate · balance €17,098After 17 months: €529.13 rate · balance €17,129.13After 18 months: €560.25 rate · balance €17,160.25After 19 months: €591.38 rate · balance €17,191.38After 20 months: €622.50 rate · balance €17,222.50After 21 months: €653.63 rate · balance €17,253.63After 22 months: €684.75 rate · balance €17,284.75After 23 months: €715.88 rate · balance €17,315.88After 24 months: €747 rate · balance €17,347After 25 months: €778.13 rate · balance €17,378.13After 26 months: €809.25 rate · balance €17,409.25After 27 months: €840.38 rate · balance €17,440.38After 28 months: €871.50 rate · balance €17,471.50After 29 months: €902.63 rate · balance €17,502.63After 30 months: €933.75 rate · balance €17,533.75After 31 months: €964.88 rate · balance €17,564.88After 32 months: €996 rate · balance €17,596After 33 months: €1,027.13 rate · balance €17,627.13After 34 months: €1,058.25 rate · balance €17,658.25After 35 months: €1,089.38 rate · balance €17,689.38After 36 months: €1,120.50 rate · balance €17,720.50
Per year
AfterInterest up to thenBalance
1 year€374€16,974
2 years€747€17,347
3 years€1,121€17,721

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 19 Sep 2026.

2.60%
10 years · 2.90% · Direct