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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 · 4 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.30%
4 years fixed
since 2 Sep 2026
Your return on €10,000
€230
per year, annualised · €920 total over 4 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 4 years: €920.
Interest built up over 4 years
€ 0€ 500start2 yrs4 yrs€920After 1 month: €19.17 rate · balance €10,019.17After 2 months: €38.33 rate · balance €10,038.33After 3 months: €57.50 rate · balance €10,057.50After 4 months: €76.67 rate · balance €10,076.67

Rate and conditions

BalanceRate
€0 – and up2.30%
Interest payout
yearly, paid out
Fees
none
Access
4 years fixed · early withdrawal with loss of interest
Term
4 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 2024now2.30%0.70% from 18 May 2022 until 29 Sep 20221.40% from 29 Sep 2022 until 4 Feb 20231.70% from 4 Feb 2023 until 11 Apr 20232.10% from 11 Apr 2023 until 4 Jun 20232.30% 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% · Direct3 years · 2.25% · Direct5 years · 2.40% · Direct6 years · 2.45% · Direct7 years · 2.50% · Direct8 years · 2.55% · Direct9 years · · Direct
After 5 months: €95.83 rate · balance €10,095.83After 6 months: €115.00 rate · balance €10,115.00After 7 months: €134.17 rate · balance €10,134.17After 8 months: €153.33 rate · balance €10,153.33After 9 months: €172.50 rate · balance €10,172.50After 10 months: €191.67 rate · balance €10,191.67After 11 months: €210.83 rate · balance €10,210.83After 12 months: €230.00 rate · balance €10,230.00After 13 months: €249.17 rate · balance €10,249.17After 14 months: €268.33 rate · balance €10,268.33After 15 months: €287.50 rate · balance €10,287.50After 16 months: €306.67 rate · balance €10,306.67After 17 months: €325.83 rate · balance €10,325.83After 18 months: €345.00 rate · balance €10,345.00After 19 months: €364.17 rate · balance €10,364.17After 20 months: €383.33 rate · balance €10,383.33After 21 months: €402.50 rate · balance €10,402.50After 22 months: €421.67 rate · balance €10,421.67After 23 months: €440.83 rate · balance €10,440.83After 24 months: €460.00 rate · balance €10,460.00After 25 months: €479.17 rate · balance €10,479.17After 26 months: €498.33 rate · balance €10,498.33After 27 months: €517.50 rate · balance €10,517.50After 28 months: €536.67 rate · balance €10,536.67After 29 months: €555.83 rate · balance €10,555.83After 30 months: €575.00 rate · balance €10,575.00After 31 months: €594.17 rate · balance €10,594.17After 32 months: €613.33 rate · balance €10,613.33After 33 months: €632.50 rate · balance €10,632.50After 34 months: €651.67 rate · balance €10,651.67After 35 months: €670.83 rate · balance €10,670.83After 36 months: €690.00 rate · balance €10,690.00After 37 months: €709.17 rate · balance €10,709.17After 38 months: €728.33 rate · balance €10,728.33After 39 months: €747.50 rate · balance €10,747.50After 40 months: €766.67 rate · balance €10,766.67After 41 months: €785.83 rate · balance €10,785.83After 42 months: €805.00 rate · balance €10,805.00After 43 months: €824.17 rate · balance €10,824.17After 44 months: €843.33 rate · balance €10,843.33After 45 months: €862.50 rate · balance €10,862.50After 46 months: €881.67 rate · balance €10,881.67After 47 months: €900.83 rate · balance €10,900.83After 48 months: €920.00 rate · balance €10,920.00
€ 0€ 500start1 yr2 yrs3 yrs4 yrs€920After 1 month: €19.17 rate · balance €10,019.17After 2 months: €38.33 rate · balance €10,038.33After 3 months: €57.50 rate · balance €10,057.50After 4 months: €76.67 rate · balance €10,076.67After 5 months: €95.83 rate · balance €10,095.83After 6 months: €115.00 rate · balance €10,115.00After 7 months: €134.17 rate · balance €10,134.17After 8 months: €153.33 rate · balance €10,153.33After 9 months: €172.50 rate · balance €10,172.50After 10 months: €191.67 rate · balance €10,191.67After 11 months: €210.83 rate · balance €10,210.83After 12 months: €230.00 rate · balance €10,230.00After 13 months: €249.17 rate · balance €10,249.17After 14 months: €268.33 rate · balance €10,268.33After 15 months: €287.50 rate · balance €10,287.50After 16 months: €306.67 rate · balance €10,306.67After 17 months: €325.83 rate · balance €10,325.83After 18 months: €345.00 rate · balance €10,345.00After 19 months: €364.17 rate · balance €10,364.17After 20 months: €383.33 rate · balance €10,383.33After 21 months: €402.50 rate · balance €10,402.50After 22 months: €421.67 rate · balance €10,421.67After 23 months: €440.83 rate · balance €10,440.83After 24 months: €460.00 rate · balance €10,460.00After 25 months: €479.17 rate · balance €10,479.17After 26 months: €498.33 rate · balance €10,498.33After 27 months: €517.50 rate · balance €10,517.50After 28 months: €536.67 rate · balance €10,536.67After 29 months: €555.83 rate · balance €10,555.83After 30 months: €575.00 rate · balance €10,575.00After 31 months: €594.17 rate · balance €10,594.17After 32 months: €613.33 rate · balance €10,613.33After 33 months: €632.50 rate · balance €10,632.50After 34 months: €651.67 rate · balance €10,651.67After 35 months: €670.83 rate · balance €10,670.83After 36 months: €690.00 rate · balance €10,690.00After 37 months: €709.17 rate · balance €10,709.17After 38 months: €728.33 rate · balance €10,728.33After 39 months: €747.50 rate · balance €10,747.50After 40 months: €766.67 rate · balance €10,766.67After 41 months: €785.83 rate · balance €10,785.83After 42 months: €805.00 rate · balance €10,805.00After 43 months: €824.17 rate · balance €10,824.17After 44 months: €843.33 rate · balance €10,843.33After 45 months: €862.50 rate · balance €10,862.50After 46 months: €881.67 rate · balance €10,881.67After 47 months: €900.83 rate · balance €10,900.83After 48 months: €920.00 rate · balance €10,920.00
Per year
AfterInterest up to thenBalance
1 year€230€10,230
2 years€460€10,460
3 years€690€10,690
4 years€920€10,920

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 20252.30% from 15 Oct 2025 until 2 Sep 20262.30% 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 2024now2.30%0.70% from 18 May 2022 until 29 Sep 20221.40% from 29 Sep 2022 until 4 Feb 20231.70% from 4 Feb 2023 until 11 Apr 20232.10% from 11 Apr 2023 until 4 Jun 20232.30% 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 20252.30% from 15 Oct 2025 until 2 Sep 20262.30% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.30%current
15 Oct 20252.30%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 20232.30%3 Dec 2023web archive
11 Apr 20232.10%4 Jun 2023web archive
4 Feb 20231.70%11 Apr 2023web archive
29 Sep 20221.40%4 Feb 2023web archive
18 May 20220.70%29 Sep 2022web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (48 mo) 2.30%

Rate checked on 18 Sep 2026.

2.60%
10 years · 2.90% · Direct