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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 €16,600
€382
per year, annualised · €1,527 total over 4 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 4 years: €1,527.
Interest built up over 4 years
€ 0€ 1kstart2 yrs4 yrs€1,527After 1 month: €31.82 rate · balance €16,631.82After 2 months: €63.63 rate · balance €16,663.63After 3 months: €95.45 rate · balance €16,695.45After 4 months: €127.27 rate · balance €16,727.27

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

€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 2024now2.30%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: €159.08 rate · balance €16,759.08After 6 months: €190.90 rate · balance €16,790.90After 7 months: €222.72 rate · balance €16,822.72After 8 months: €254.53 rate · balance €16,854.53After 9 months: €286.35 rate · balance €16,886.35After 10 months: €318.17 rate · balance €16,918.17After 11 months: €349.98 rate · balance €16,949.98After 12 months: €381.80 rate · balance €16,981.80After 13 months: €413.62 rate · balance €17,013.62After 14 months: €445.43 rate · balance €17,045.43After 15 months: €477.25 rate · balance €17,077.25After 16 months: €509.07 rate · balance €17,109.07After 17 months: €540.88 rate · balance €17,140.88After 18 months: €572.70 rate · balance €17,172.70After 19 months: €604.52 rate · balance €17,204.52After 20 months: €636.33 rate · balance €17,236.33After 21 months: €668.15 rate · balance €17,268.15After 22 months: €699.97 rate · balance €17,299.97After 23 months: €731.78 rate · balance €17,331.78After 24 months: €763.60 rate · balance €17,363.60After 25 months: €795.42 rate · balance €17,395.42After 26 months: €827.23 rate · balance €17,427.23After 27 months: €859.05 rate · balance €17,459.05After 28 months: €890.87 rate · balance €17,490.87After 29 months: €922.68 rate · balance €17,522.68After 30 months: €954.50 rate · balance €17,554.50After 31 months: €986.32 rate · balance €17,586.32After 32 months: €1,018.13 rate · balance €17,618.13After 33 months: €1,049.95 rate · balance €17,649.95After 34 months: €1,081.77 rate · balance €17,681.77After 35 months: €1,113.58 rate · balance €17,713.58After 36 months: €1,145.40 rate · balance €17,745.40After 37 months: €1,177.22 rate · balance €17,777.22After 38 months: €1,209.03 rate · balance €17,809.03After 39 months: €1,240.85 rate · balance €17,840.85After 40 months: €1,272.67 rate · balance €17,872.67After 41 months: €1,304.48 rate · balance €17,904.48After 42 months: €1,336.30 rate · balance €17,936.30After 43 months: €1,368.12 rate · balance €17,968.12After 44 months: €1,399.93 rate · balance €17,999.93After 45 months: €1,431.75 rate · balance €18,031.75After 46 months: €1,463.57 rate · balance €18,063.57After 47 months: €1,495.38 rate · balance €18,095.38After 48 months: €1,527.20 rate · balance €18,127.20
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs€1,527After 1 month: €31.82 rate · balance €16,631.82After 2 months: €63.63 rate · balance €16,663.63After 3 months: €95.45 rate · balance €16,695.45After 4 months: €127.27 rate · balance €16,727.27After 5 months: €159.08 rate · balance €16,759.08After 6 months: €190.90 rate · balance €16,790.90After 7 months: €222.72 rate · balance €16,822.72After 8 months: €254.53 rate · balance €16,854.53After 9 months: €286.35 rate · balance €16,886.35After 10 months: €318.17 rate · balance €16,918.17After 11 months: €349.98 rate · balance €16,949.98After 12 months: €381.80 rate · balance €16,981.80After 13 months: €413.62 rate · balance €17,013.62After 14 months: €445.43 rate · balance €17,045.43After 15 months: €477.25 rate · balance €17,077.25After 16 months: €509.07 rate · balance €17,109.07After 17 months: €540.88 rate · balance €17,140.88After 18 months: €572.70 rate · balance €17,172.70After 19 months: €604.52 rate · balance €17,204.52After 20 months: €636.33 rate · balance €17,236.33After 21 months: €668.15 rate · balance €17,268.15After 22 months: €699.97 rate · balance €17,299.97After 23 months: €731.78 rate · balance €17,331.78After 24 months: €763.60 rate · balance €17,363.60After 25 months: €795.42 rate · balance €17,395.42After 26 months: €827.23 rate · balance €17,427.23After 27 months: €859.05 rate · balance €17,459.05After 28 months: €890.87 rate · balance €17,490.87After 29 months: €922.68 rate · balance €17,522.68After 30 months: €954.50 rate · balance €17,554.50After 31 months: €986.32 rate · balance €17,586.32After 32 months: €1,018.13 rate · balance €17,618.13After 33 months: €1,049.95 rate · balance €17,649.95After 34 months: €1,081.77 rate · balance €17,681.77After 35 months: €1,113.58 rate · balance €17,713.58After 36 months: €1,145.40 rate · balance €17,745.40After 37 months: €1,177.22 rate · balance €17,777.22After 38 months: €1,209.03 rate · balance €17,809.03After 39 months: €1,240.85 rate · balance €17,840.85After 40 months: €1,272.67 rate · balance €17,872.67After 41 months: €1,304.48 rate · balance €17,904.48After 42 months: €1,336.30 rate · balance €17,936.30After 43 months: €1,368.12 rate · balance €17,968.12After 44 months: €1,399.93 rate · balance €17,999.93After 45 months: €1,431.75 rate · balance €18,031.75After 46 months: €1,463.57 rate · balance €18,063.57After 47 months: €1,495.38 rate · balance €18,095.38After 48 months: €1,527.20 rate · balance €18,127.20
Per year
AfterInterest up to thenBalance
1 year€382€16,982
2 years€764€17,364
3 years€1,145€17,745
4 years€1,527€18,127

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.

2.60%
10 years · 2.90% · Direct