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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 €100,000
€2,300
per year, annualised · €9,200 total over 4 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

Nationale-Nederlanden Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €100,000

Gross interest over 4 years: €9,200.
Interest built up over 4 years
€ 0€ 5kstart2 yrs4 yrs€9,200After 1 month: €191.67 rate · balance €100,191.67After 2 months: €383.33 rate · balance €100,383.33After 3 months: €575.00 rate · balance €100,575.00After 4 months: €766.67 rate · balance €100,766.67

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

€100,000 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% · Direct
After 5 months: €958.33 rate · balance €100,958.33After 6 months: €1,150.00 rate · balance €101,150.00After 7 months: €1,341.67 rate · balance €101,341.67After 8 months: €1,533.33 rate · balance €101,533.33After 9 months: €1,725.00 rate · balance €101,725.00After 10 months: €1,916.67 rate · balance €101,916.67After 11 months: €2,108.33 rate · balance €102,108.33After 12 months: €2,300.00 rate · balance €102,300.00After 13 months: €2,491.67 rate · balance €102,491.67After 14 months: €2,683.33 rate · balance €102,683.33After 15 months: €2,875.00 rate · balance €102,875.00After 16 months: €3,066.67 rate · balance €103,066.67After 17 months: €3,258.33 rate · balance €103,258.33After 18 months: €3,450.00 rate · balance €103,450.00After 19 months: €3,641.67 rate · balance €103,641.67After 20 months: €3,833.33 rate · balance €103,833.33After 21 months: €4,025.00 rate · balance €104,025.00After 22 months: €4,216.67 rate · balance €104,216.67After 23 months: €4,408.33 rate · balance €104,408.33After 24 months: €4,600.00 rate · balance €104,600.00After 25 months: €4,791.67 rate · balance €104,791.67After 26 months: €4,983.33 rate · balance €104,983.33After 27 months: €5,175.00 rate · balance €105,175.00After 28 months: €5,366.67 rate · balance €105,366.67After 29 months: €5,558.33 rate · balance €105,558.33After 30 months: €5,750.00 rate · balance €105,750.00After 31 months: €5,941.67 rate · balance €105,941.67After 32 months: €6,133.33 rate · balance €106,133.33After 33 months: €6,325.00 rate · balance €106,325.00After 34 months: €6,516.67 rate · balance €106,516.67After 35 months: €6,708.33 rate · balance €106,708.33After 36 months: €6,900.00 rate · balance €106,900.00After 37 months: €7,091.67 rate · balance €107,091.67After 38 months: €7,283.33 rate · balance €107,283.33After 39 months: €7,475.00 rate · balance €107,475.00After 40 months: €7,666.67 rate · balance €107,666.67After 41 months: €7,858.33 rate · balance €107,858.33After 42 months: €8,050.00 rate · balance €108,050.00After 43 months: €8,241.67 rate · balance €108,241.67After 44 months: €8,433.33 rate · balance €108,433.33After 45 months: €8,625.00 rate · balance €108,625.00After 46 months: €8,816.67 rate · balance €108,816.67After 47 months: €9,008.33 rate · balance €109,008.33After 48 months: €9,200.00 rate · balance €109,200.00
€ 0€ 5kstart1 yr2 yrs3 yrs4 yrs€9,200After 1 month: €191.67 rate · balance €100,191.67After 2 months: €383.33 rate · balance €100,383.33After 3 months: €575.00 rate · balance €100,575.00After 4 months: €766.67 rate · balance €100,766.67After 5 months: €958.33 rate · balance €100,958.33After 6 months: €1,150.00 rate · balance €101,150.00After 7 months: €1,341.67 rate · balance €101,341.67After 8 months: €1,533.33 rate · balance €101,533.33After 9 months: €1,725.00 rate · balance €101,725.00After 10 months: €1,916.67 rate · balance €101,916.67After 11 months: €2,108.33 rate · balance €102,108.33After 12 months: €2,300.00 rate · balance €102,300.00After 13 months: €2,491.67 rate · balance €102,491.67After 14 months: €2,683.33 rate · balance €102,683.33After 15 months: €2,875.00 rate · balance €102,875.00After 16 months: €3,066.67 rate · balance €103,066.67After 17 months: €3,258.33 rate · balance €103,258.33After 18 months: €3,450.00 rate · balance €103,450.00After 19 months: €3,641.67 rate · balance €103,641.67After 20 months: €3,833.33 rate · balance €103,833.33After 21 months: €4,025.00 rate · balance €104,025.00After 22 months: €4,216.67 rate · balance €104,216.67After 23 months: €4,408.33 rate · balance €104,408.33After 24 months: €4,600.00 rate · balance €104,600.00After 25 months: €4,791.67 rate · balance €104,791.67After 26 months: €4,983.33 rate · balance €104,983.33After 27 months: €5,175.00 rate · balance €105,175.00After 28 months: €5,366.67 rate · balance €105,366.67After 29 months: €5,558.33 rate · balance €105,558.33After 30 months: €5,750.00 rate · balance €105,750.00After 31 months: €5,941.67 rate · balance €105,941.67After 32 months: €6,133.33 rate · balance €106,133.33After 33 months: €6,325.00 rate · balance €106,325.00After 34 months: €6,516.67 rate · balance €106,516.67After 35 months: €6,708.33 rate · balance €106,708.33After 36 months: €6,900.00 rate · balance €106,900.00After 37 months: €7,091.67 rate · balance €107,091.67After 38 months: €7,283.33 rate · balance €107,283.33After 39 months: €7,475.00 rate · balance €107,475.00After 40 months: €7,666.67 rate · balance €107,666.67After 41 months: €7,858.33 rate · balance €107,858.33After 42 months: €8,050.00 rate · balance €108,050.00After 43 months: €8,241.67 rate · balance €108,241.67After 44 months: €8,433.33 rate · balance €108,433.33After 45 months: €8,625.00 rate · balance €108,625.00After 46 months: €8,816.67 rate · balance €108,816.67After 47 months: €9,008.33 rate · balance €109,008.33After 48 months: €9,200.00 rate · balance €109,200.00
Per year
AfterInterest up to thenBalance
1 year€2,300€102,300
2 years€4,600€104,600
3 years€6,900€106,900
4 years€9,200€109,200

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 19 Sep 2026.

9 years · 2.60% · Direct
10 years · 2.90% · Direct