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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 €16,800
€386
per year, annualised · €1,546 total over 4 years
Deposit guarantee
€16,800 fully protected
Dutch scheme

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

Your calculation for €16,800

Gross interest over 4 years: €1,546.
Interest built up over 4 years
€ 0€ 1kstart2 yrs4 yrs€1,546After 1 month: €32.20 rate · balance €16,832.20After 2 months: €64.40 rate · balance €16,864.40After 3 months: €96.60 rate · balance €16,896.60After 4 months: €128.80 rate · balance €16,928.80

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

€16,800 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: €161 rate · balance €16,961After 6 months: €193.20 rate · balance €16,993.20After 7 months: €225.40 rate · balance €17,025.40After 8 months: €257.60 rate · balance €17,057.60After 9 months: €289.80 rate · balance €17,089.80After 10 months: €322.00 rate · balance €17,122After 11 months: €354.20 rate · balance €17,154.20After 12 months: €386.40 rate · balance €17,186.40After 13 months: €418.60 rate · balance €17,218.60After 14 months: €450.80 rate · balance €17,250.80After 15 months: €483.00 rate · balance €17,283After 16 months: €515.20 rate · balance €17,315.20After 17 months: €547.40 rate · balance €17,347.40After 18 months: €579.60 rate · balance €17,379.60After 19 months: €611.80 rate · balance €17,411.80After 20 months: €644.00 rate · balance €17,444After 21 months: €676.20 rate · balance €17,476.20After 22 months: €708.40 rate · balance €17,508.40After 23 months: €740.60 rate · balance €17,540.60After 24 months: €772.80 rate · balance €17,572.80After 25 months: €805.00 rate · balance €17,605After 26 months: €837.20 rate · balance €17,637.20After 27 months: €869.40 rate · balance €17,669.40After 28 months: €901.60 rate · balance €17,701.60After 29 months: €933.80 rate · balance €17,733.80After 30 months: €966.00 rate · balance €17,766After 31 months: €998.20 rate · balance €17,798.20After 32 months: €1,030.40 rate · balance €17,830.40After 33 months: €1,062.60 rate · balance €17,862.60After 34 months: €1,094.80 rate · balance €17,894.80After 35 months: €1,127.00 rate · balance €17,927After 36 months: €1,159.20 rate · balance €17,959.20After 37 months: €1,191.40 rate · balance €17,991.40After 38 months: €1,223.60 rate · balance €18,023.60After 39 months: €1,255.80 rate · balance €18,055.80After 40 months: €1,288.00 rate · balance €18,088After 41 months: €1,320.20 rate · balance €18,120.20After 42 months: €1,352.40 rate · balance €18,152.40After 43 months: €1,384.60 rate · balance €18,184.60After 44 months: €1,416.80 rate · balance €18,216.80After 45 months: €1,449.00 rate · balance €18,249After 46 months: €1,481.20 rate · balance €18,281.20After 47 months: €1,513.40 rate · balance €18,313.40After 48 months: €1,545.60 rate · balance €18,345.60
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs€1,546After 1 month: €32.20 rate · balance €16,832.20After 2 months: €64.40 rate · balance €16,864.40After 3 months: €96.60 rate · balance €16,896.60After 4 months: €128.80 rate · balance €16,928.80After 5 months: €161 rate · balance €16,961After 6 months: €193.20 rate · balance €16,993.20After 7 months: €225.40 rate · balance €17,025.40After 8 months: €257.60 rate · balance €17,057.60After 9 months: €289.80 rate · balance €17,089.80After 10 months: €322.00 rate · balance €17,122After 11 months: €354.20 rate · balance €17,154.20After 12 months: €386.40 rate · balance €17,186.40After 13 months: €418.60 rate · balance €17,218.60After 14 months: €450.80 rate · balance €17,250.80After 15 months: €483.00 rate · balance €17,283After 16 months: €515.20 rate · balance €17,315.20After 17 months: €547.40 rate · balance €17,347.40After 18 months: €579.60 rate · balance €17,379.60After 19 months: €611.80 rate · balance €17,411.80After 20 months: €644.00 rate · balance €17,444After 21 months: €676.20 rate · balance €17,476.20After 22 months: €708.40 rate · balance €17,508.40After 23 months: €740.60 rate · balance €17,540.60After 24 months: €772.80 rate · balance €17,572.80After 25 months: €805.00 rate · balance €17,605After 26 months: €837.20 rate · balance €17,637.20After 27 months: €869.40 rate · balance €17,669.40After 28 months: €901.60 rate · balance €17,701.60After 29 months: €933.80 rate · balance €17,733.80After 30 months: €966.00 rate · balance €17,766After 31 months: €998.20 rate · balance €17,798.20After 32 months: €1,030.40 rate · balance €17,830.40After 33 months: €1,062.60 rate · balance €17,862.60After 34 months: €1,094.80 rate · balance €17,894.80After 35 months: €1,127.00 rate · balance €17,927After 36 months: €1,159.20 rate · balance €17,959.20After 37 months: €1,191.40 rate · balance €17,991.40After 38 months: €1,223.60 rate · balance €18,023.60After 39 months: €1,255.80 rate · balance €18,055.80After 40 months: €1,288.00 rate · balance €18,088After 41 months: €1,320.20 rate · balance €18,120.20After 42 months: €1,352.40 rate · balance €18,152.40After 43 months: €1,384.60 rate · balance €18,184.60After 44 months: €1,416.80 rate · balance €18,216.80After 45 months: €1,449.00 rate · balance €18,249After 46 months: €1,481.20 rate · balance €18,281.20After 47 months: €1,513.40 rate · balance €18,313.40After 48 months: €1,545.60 rate · balance €18,345.60
Per year
AfterInterest up to thenBalance
1 year€386€17,186
2 years€773€17,573
3 years€1,159€17,959
4 years€1,546€18,346

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