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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 €25,000
€575
per year, annualised · €2,300 total over 4 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 4 years: €2,300.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,300After 1 month: €47.92 rate · balance €25,047.92After 2 months: €95.83 rate · balance €25,095.83

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

€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 2024now2.30%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 3 months: €143.75 rate · balance €25,143.75After 4 months: €191.67 rate · balance €25,191.67After 5 months: €239.58 rate · balance €25,239.58After 6 months: €287.50 rate · balance €25,287.50After 7 months: €335.42 rate · balance €25,335.42After 8 months: €383.33 rate · balance €25,383.33After 9 months: €431.25 rate · balance €25,431.25After 10 months: €479.17 rate · balance €25,479.17After 11 months: €527.08 rate · balance €25,527.08After 12 months: €575.00 rate · balance €25,575.00After 13 months: €622.92 rate · balance €25,622.92After 14 months: €670.83 rate · balance €25,670.83After 15 months: €718.75 rate · balance €25,718.75After 16 months: €766.67 rate · balance €25,766.67After 17 months: €814.58 rate · balance €25,814.58After 18 months: €862.50 rate · balance €25,862.50After 19 months: €910.42 rate · balance €25,910.42After 20 months: €958.33 rate · balance €25,958.33After 21 months: €1,006.25 rate · balance €26,006.25After 22 months: €1,054.17 rate · balance €26,054.17After 23 months: €1,102.08 rate · balance €26,102.08After 24 months: €1,150.00 rate · balance €26,150.00After 25 months: €1,197.92 rate · balance €26,197.92After 26 months: €1,245.83 rate · balance €26,245.83After 27 months: €1,293.75 rate · balance €26,293.75After 28 months: €1,341.67 rate · balance €26,341.67After 29 months: €1,389.58 rate · balance €26,389.58After 30 months: €1,437.50 rate · balance €26,437.50After 31 months: €1,485.42 rate · balance €26,485.42After 32 months: €1,533.33 rate · balance €26,533.33After 33 months: €1,581.25 rate · balance €26,581.25After 34 months: €1,629.17 rate · balance €26,629.17After 35 months: €1,677.08 rate · balance €26,677.08After 36 months: €1,725.00 rate · balance €26,725.00After 37 months: €1,772.92 rate · balance €26,772.92After 38 months: €1,820.83 rate · balance €26,820.83After 39 months: €1,868.75 rate · balance €26,868.75After 40 months: €1,916.67 rate · balance €26,916.67After 41 months: €1,964.58 rate · balance €26,964.58After 42 months: €2,012.50 rate · balance €27,012.50After 43 months: €2,060.42 rate · balance €27,060.42After 44 months: €2,108.33 rate · balance €27,108.33After 45 months: €2,156.25 rate · balance €27,156.25After 46 months: €2,204.17 rate · balance €27,204.17After 47 months: €2,252.08 rate · balance €27,252.08After 48 months: €2,300.00 rate · balance €27,300.00
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,300After 1 month: €47.92 rate · balance €25,047.92After 2 months: €95.83 rate · balance €25,095.83After 3 months: €143.75 rate · balance €25,143.75After 4 months: €191.67 rate · balance €25,191.67After 5 months: €239.58 rate · balance €25,239.58After 6 months: €287.50 rate · balance €25,287.50After 7 months: €335.42 rate · balance €25,335.42After 8 months: €383.33 rate · balance €25,383.33After 9 months: €431.25 rate · balance €25,431.25After 10 months: €479.17 rate · balance €25,479.17After 11 months: €527.08 rate · balance €25,527.08After 12 months: €575.00 rate · balance €25,575.00After 13 months: €622.92 rate · balance €25,622.92After 14 months: €670.83 rate · balance €25,670.83After 15 months: €718.75 rate · balance €25,718.75After 16 months: €766.67 rate · balance €25,766.67After 17 months: €814.58 rate · balance €25,814.58After 18 months: €862.50 rate · balance €25,862.50After 19 months: €910.42 rate · balance €25,910.42After 20 months: €958.33 rate · balance €25,958.33After 21 months: €1,006.25 rate · balance €26,006.25After 22 months: €1,054.17 rate · balance €26,054.17After 23 months: €1,102.08 rate · balance €26,102.08After 24 months: €1,150.00 rate · balance €26,150.00After 25 months: €1,197.92 rate · balance €26,197.92After 26 months: €1,245.83 rate · balance €26,245.83After 27 months: €1,293.75 rate · balance €26,293.75After 28 months: €1,341.67 rate · balance €26,341.67After 29 months: €1,389.58 rate · balance €26,389.58After 30 months: €1,437.50 rate · balance €26,437.50After 31 months: €1,485.42 rate · balance €26,485.42After 32 months: €1,533.33 rate · balance €26,533.33After 33 months: €1,581.25 rate · balance €26,581.25After 34 months: €1,629.17 rate · balance €26,629.17After 35 months: €1,677.08 rate · balance €26,677.08After 36 months: €1,725.00 rate · balance €26,725.00After 37 months: €1,772.92 rate · balance €26,772.92After 38 months: €1,820.83 rate · balance €26,820.83After 39 months: €1,868.75 rate · balance €26,868.75After 40 months: €1,916.67 rate · balance €26,916.67After 41 months: €1,964.58 rate · balance €26,964.58After 42 months: €2,012.50 rate · balance €27,012.50After 43 months: €2,060.42 rate · balance €27,060.42After 44 months: €2,108.33 rate · balance €27,108.33After 45 months: €2,156.25 rate · balance €27,156.25After 46 months: €2,204.17 rate · balance €27,204.17After 47 months: €2,252.08 rate · balance €27,252.08After 48 months: €2,300.00 rate · balance €27,300.00
Per year
AfterInterest up to thenBalance
1 year€575€25,575
2 years€1,150€26,150
3 years€1,725€26,725
4 years€2,300€27,300

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