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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 €25,000
€563
per year, annualised · €1,688 total over 3 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 3 years: €1,688.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,688After 1 month: €46.88 rate · balance €25,046.88After 2 months: €93.75 rate · balance €25,093.75After 3 months: €140.63 rate · balance €25,140.63After 4 months: €187.50 rate · balance €25,187.50After 5 months: €234.38 rate · balance €25,234.38After 6 months: €281.25 rate · balance €25,281.25

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

€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 2024now2.25%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 7 months: €328.13 rate · balance €25,328.13After 8 months: €375 rate · balance €25,375After 9 months: €421.88 rate · balance €25,421.88After 10 months: €468.75 rate · balance €25,468.75After 11 months: €515.63 rate · balance €25,515.63After 12 months: €562.50 rate · balance €25,562.50After 13 months: €609.38 rate · balance €25,609.38After 14 months: €656.25 rate · balance €25,656.25After 15 months: €703.13 rate · balance €25,703.13After 16 months: €750 rate · balance €25,750After 17 months: €796.88 rate · balance €25,796.88After 18 months: €843.75 rate · balance €25,843.75After 19 months: €890.63 rate · balance €25,890.63After 20 months: €937.50 rate · balance €25,937.50After 21 months: €984.38 rate · balance €25,984.38After 22 months: €1,031.25 rate · balance €26,031.25After 23 months: €1,078.13 rate · balance €26,078.13After 24 months: €1,125 rate · balance €26,125After 25 months: €1,171.88 rate · balance €26,171.88After 26 months: €1,218.75 rate · balance €26,218.75After 27 months: €1,265.63 rate · balance €26,265.63After 28 months: €1,312.50 rate · balance €26,312.50After 29 months: €1,359.38 rate · balance €26,359.38After 30 months: €1,406.25 rate · balance €26,406.25After 31 months: €1,453.13 rate · balance €26,453.13After 32 months: €1,500 rate · balance €26,500After 33 months: €1,546.88 rate · balance €26,546.88After 34 months: €1,593.75 rate · balance €26,593.75After 35 months: €1,640.63 rate · balance €26,640.63After 36 months: €1,687.50 rate · balance €26,687.50
€ 0€ 1kstart1 yr2 yrs3 yrs€1,688After 1 month: €46.88 rate · balance €25,046.88After 2 months: €93.75 rate · balance €25,093.75After 3 months: €140.63 rate · balance €25,140.63After 4 months: €187.50 rate · balance €25,187.50After 5 months: €234.38 rate · balance €25,234.38After 6 months: €281.25 rate · balance €25,281.25After 7 months: €328.13 rate · balance €25,328.13After 8 months: €375 rate · balance €25,375After 9 months: €421.88 rate · balance €25,421.88After 10 months: €468.75 rate · balance €25,468.75After 11 months: €515.63 rate · balance €25,515.63After 12 months: €562.50 rate · balance €25,562.50After 13 months: €609.38 rate · balance €25,609.38After 14 months: €656.25 rate · balance €25,656.25After 15 months: €703.13 rate · balance €25,703.13After 16 months: €750 rate · balance €25,750After 17 months: €796.88 rate · balance €25,796.88After 18 months: €843.75 rate · balance €25,843.75After 19 months: €890.63 rate · balance €25,890.63After 20 months: €937.50 rate · balance €25,937.50After 21 months: €984.38 rate · balance €25,984.38After 22 months: €1,031.25 rate · balance €26,031.25After 23 months: €1,078.13 rate · balance €26,078.13After 24 months: €1,125 rate · balance €26,125After 25 months: €1,171.88 rate · balance €26,171.88After 26 months: €1,218.75 rate · balance €26,218.75After 27 months: €1,265.63 rate · balance €26,265.63After 28 months: €1,312.50 rate · balance €26,312.50After 29 months: €1,359.38 rate · balance €26,359.38After 30 months: €1,406.25 rate · balance €26,406.25After 31 months: €1,453.13 rate · balance €26,453.13After 32 months: €1,500 rate · balance €26,500After 33 months: €1,546.88 rate · balance €26,546.88After 34 months: €1,593.75 rate · balance €26,593.75After 35 months: €1,640.63 rate · balance €26,640.63After 36 months: €1,687.50 rate · balance €26,687.50
Per year
AfterInterest up to thenBalance
1 year€563€25,563
2 years€1,125€26,125
3 years€1,688€26,688

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