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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 · 5 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.40%
5 years fixed
since 2 Sep 2026
Your return on €10,000
€240
per year, annualised · €1,200 total over 5 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 5 years: €1,200.
Interest built up over 5 years
€ 0€ 500€ 1kstart2 yrs4 yrs€1,200

Rate and conditions

BalanceRate
€0 – and up2.40%
Interest payout
yearly, paid out
Fees
none
Access
5 years fixed · early withdrawal with loss of interest
Term
5 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%22 Jun 20214 Feb 2024now2.40%0.02% from 22 Jun 2021 until 18 May 20220.80% from 18 May 2022 until 29 Sep 20221.50% from 29 Sep 2022 until 4 Feb 20231.75% from 4 Feb 2023 until 11 Apr 20232.10% from 11 Apr 2023 until 4 Jun 20232.40% 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 2024

Other offers from Nationale-Nederlanden

Instant access · 2.30% · Direct1 year · 2.00% · Direct2 years · 2.10% · Direct3 years · 2.25% · Direct4 years · 2.30% · Direct6 years · 2.45% · Direct7 years · 2.50% · Direct8 years · 2.55% · Direct9 years · · Direct
After 1 month: €20 rate · balance €10,020After 2 months: €40 rate · balance €10,040After 3 months: €60 rate · balance €10,060After 4 months: €80 rate · balance €10,080After 5 months: €100 rate · balance €10,100After 6 months: €120 rate · balance €10,120After 7 months: €140 rate · balance €10,140After 8 months: €160 rate · balance €10,160After 9 months: €180 rate · balance €10,180After 10 months: €200 rate · balance €10,200After 11 months: €220 rate · balance €10,220After 12 months: €240 rate · balance €10,240After 13 months: €260 rate · balance €10,260After 14 months: €280 rate · balance €10,280After 15 months: €300 rate · balance €10,300After 16 months: €320 rate · balance €10,320After 17 months: €340 rate · balance €10,340After 18 months: €360 rate · balance €10,360After 19 months: €380 rate · balance €10,380After 20 months: €400 rate · balance €10,400After 21 months: €420 rate · balance €10,420After 22 months: €440 rate · balance €10,440After 23 months: €460 rate · balance €10,460After 24 months: €480 rate · balance €10,480After 25 months: €500 rate · balance €10,500After 26 months: €520 rate · balance €10,520After 27 months: €540 rate · balance €10,540After 28 months: €560 rate · balance €10,560After 29 months: €580 rate · balance €10,580After 30 months: €600 rate · balance €10,600After 31 months: €620 rate · balance €10,620After 32 months: €640 rate · balance €10,640After 33 months: €660 rate · balance €10,660After 34 months: €680 rate · balance €10,680After 35 months: €700 rate · balance €10,700After 36 months: €720 rate · balance €10,720After 37 months: €740 rate · balance €10,740After 38 months: €760 rate · balance €10,760After 39 months: €780 rate · balance €10,780After 40 months: €800 rate · balance €10,800After 41 months: €820 rate · balance €10,820After 42 months: €840 rate · balance €10,840After 43 months: €860 rate · balance €10,860After 44 months: €880 rate · balance €10,880After 45 months: €900 rate · balance €10,900After 46 months: €920 rate · balance €10,920After 47 months: €940 rate · balance €10,940After 48 months: €960 rate · balance €10,960After 49 months: €980 rate · balance €10,980After 50 months: €1,000 rate · balance €11,000After 51 months: €1,020 rate · balance €11,020After 52 months: €1,040 rate · balance €11,040After 53 months: €1,060 rate · balance €11,060After 54 months: €1,080 rate · balance €11,080After 55 months: €1,100 rate · balance €11,100After 56 months: €1,120 rate · balance €11,120After 57 months: €1,140 rate · balance €11,140After 58 months: €1,160 rate · balance €11,160After 59 months: €1,180 rate · balance €11,180After 60 months: €1,200 rate · balance €11,200
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs4 yrs5 yrs€1,200After 1 month: €20 rate · balance €10,020After 2 months: €40 rate · balance €10,040After 3 months: €60 rate · balance €10,060After 4 months: €80 rate · balance €10,080After 5 months: €100 rate · balance €10,100After 6 months: €120 rate · balance €10,120After 7 months: €140 rate · balance €10,140After 8 months: €160 rate · balance €10,160After 9 months: €180 rate · balance €10,180After 10 months: €200 rate · balance €10,200After 11 months: €220 rate · balance €10,220After 12 months: €240 rate · balance €10,240After 13 months: €260 rate · balance €10,260After 14 months: €280 rate · balance €10,280After 15 months: €300 rate · balance €10,300After 16 months: €320 rate · balance €10,320After 17 months: €340 rate · balance €10,340After 18 months: €360 rate · balance €10,360After 19 months: €380 rate · balance €10,380After 20 months: €400 rate · balance €10,400After 21 months: €420 rate · balance €10,420After 22 months: €440 rate · balance €10,440After 23 months: €460 rate · balance €10,460After 24 months: €480 rate · balance €10,480After 25 months: €500 rate · balance €10,500After 26 months: €520 rate · balance €10,520After 27 months: €540 rate · balance €10,540After 28 months: €560 rate · balance €10,560After 29 months: €580 rate · balance €10,580After 30 months: €600 rate · balance €10,600After 31 months: €620 rate · balance €10,620After 32 months: €640 rate · balance €10,640After 33 months: €660 rate · balance €10,660After 34 months: €680 rate · balance €10,680After 35 months: €700 rate · balance €10,700After 36 months: €720 rate · balance €10,720After 37 months: €740 rate · balance €10,740After 38 months: €760 rate · balance €10,760After 39 months: €780 rate · balance €10,780After 40 months: €800 rate · balance €10,800After 41 months: €820 rate · balance €10,820After 42 months: €840 rate · balance €10,840After 43 months: €860 rate · balance €10,860After 44 months: €880 rate · balance €10,880After 45 months: €900 rate · balance €10,900After 46 months: €920 rate · balance €10,920After 47 months: €940 rate · balance €10,940After 48 months: €960 rate · balance €10,960After 49 months: €980 rate · balance €10,980After 50 months: €1,000 rate · balance €11,000After 51 months: €1,020 rate · balance €11,020After 52 months: €1,040 rate · balance €11,040After 53 months: €1,060 rate · balance €11,060After 54 months: €1,080 rate · balance €11,080After 55 months: €1,100 rate · balance €11,100After 56 months: €1,120 rate · balance €11,120After 57 months: €1,140 rate · balance €11,140After 58 months: €1,160 rate · balance €11,160After 59 months: €1,180 rate · balance €11,180After 60 months: €1,200 rate · balance €11,200
Per year
AfterInterest up to thenBalance
1 year€240€10,240
2 years€480€10,480
3 years€720€10,720
4 years€960€10,960
5 years€1,200€11,200

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

2.60% from 9 Dec 2024 until 27 Mar 20252.35% from 27 Mar 2025 until 15 Oct 20252.40% from 15 Oct 2025 until 2 Sep 20262.40% from 2 Sep 2026 until now
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%22 Jun 20214 Feb 2024now2.40%0.02% from 22 Jun 2021 until 18 May 20220.80% from 18 May 2022 until 29 Sep 20221.50% from 29 Sep 2022 until 4 Feb 20231.75% from 4 Feb 2023 until 11 Apr 20232.10% from 11 Apr 2023 until 4 Jun 20232.40% 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 20252.40% from 15 Oct 2025 until 2 Sep 20262.40% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.40%current
15 Oct 20252.40%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 20232.40%3 Dec 2023web archive
11 Apr 20232.10%4 Jun 2023web archive
4 Feb 20231.75%11 Apr 2023web archive
29 Sep 20221.50%4 Feb 2023web archive
18 May 20220.80%29 Sep 2022web archive
22 Jun 20210.02%18 May 2022web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (60 mo) 2.40%

Rate checked on 18 Sep 2026.

2.60%
10 years · 2.90% · Direct