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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 €100,000
€2,400
per year, annualised · €12,000 total over 5 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 5 years: €12,000.
Interest built up over 5 years
€ 0€ 5k€ 10kstart2 yrs4 yrs€12,000

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

€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%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% · Direct
After 1 month: €200 rate · balance €100,200After 2 months: €400 rate · balance €100,400After 3 months: €600 rate · balance €100,600After 4 months: €800 rate · balance €100,800After 5 months: €1,000 rate · balance €101,000After 6 months: €1,200 rate · balance €101,200After 7 months: €1,400 rate · balance €101,400After 8 months: €1,600 rate · balance €101,600After 9 months: €1,800 rate · balance €101,800After 10 months: €2,000 rate · balance €102,000After 11 months: €2,200 rate · balance €102,200After 12 months: €2,400 rate · balance €102,400After 13 months: €2,600 rate · balance €102,600After 14 months: €2,800 rate · balance €102,800After 15 months: €3,000 rate · balance €103,000After 16 months: €3,200 rate · balance €103,200After 17 months: €3,400 rate · balance €103,400After 18 months: €3,600 rate · balance €103,600After 19 months: €3,800 rate · balance €103,800After 20 months: €4,000 rate · balance €104,000After 21 months: €4,200 rate · balance €104,200After 22 months: €4,400 rate · balance €104,400After 23 months: €4,600 rate · balance €104,600After 24 months: €4,800 rate · balance €104,800After 25 months: €5,000 rate · balance €105,000After 26 months: €5,200 rate · balance €105,200After 27 months: €5,400 rate · balance €105,400After 28 months: €5,600 rate · balance €105,600After 29 months: €5,800 rate · balance €105,800After 30 months: €6,000 rate · balance €106,000After 31 months: €6,200 rate · balance €106,200After 32 months: €6,400 rate · balance €106,400After 33 months: €6,600 rate · balance €106,600After 34 months: €6,800 rate · balance €106,800After 35 months: €7,000 rate · balance €107,000After 36 months: €7,200 rate · balance €107,200After 37 months: €7,400 rate · balance €107,400After 38 months: €7,600 rate · balance €107,600After 39 months: €7,800 rate · balance €107,800After 40 months: €8,000 rate · balance €108,000After 41 months: €8,200 rate · balance €108,200After 42 months: €8,400 rate · balance €108,400After 43 months: €8,600 rate · balance €108,600After 44 months: €8,800 rate · balance €108,800After 45 months: €9,000 rate · balance €109,000After 46 months: €9,200 rate · balance €109,200After 47 months: €9,400 rate · balance €109,400After 48 months: €9,600 rate · balance €109,600After 49 months: €9,800 rate · balance €109,800After 50 months: €10,000 rate · balance €110,000After 51 months: €10,200 rate · balance €110,200After 52 months: €10,400 rate · balance €110,400After 53 months: €10,600 rate · balance €110,600After 54 months: €10,800 rate · balance €110,800After 55 months: €11,000 rate · balance €111,000After 56 months: €11,200 rate · balance €111,200After 57 months: €11,400 rate · balance €111,400After 58 months: €11,600 rate · balance €111,600After 59 months: €11,800 rate · balance €111,800After 60 months: €12,000 rate · balance €112,000
€ 0€ 5k€ 10kstart1 yr2 yrs3 yrs4 yrs5 yrs€12,000After 1 month: €200 rate · balance €100,200After 2 months: €400 rate · balance €100,400After 3 months: €600 rate · balance €100,600After 4 months: €800 rate · balance €100,800After 5 months: €1,000 rate · balance €101,000After 6 months: €1,200 rate · balance €101,200After 7 months: €1,400 rate · balance €101,400After 8 months: €1,600 rate · balance €101,600After 9 months: €1,800 rate · balance €101,800After 10 months: €2,000 rate · balance €102,000After 11 months: €2,200 rate · balance €102,200After 12 months: €2,400 rate · balance €102,400After 13 months: €2,600 rate · balance €102,600After 14 months: €2,800 rate · balance €102,800After 15 months: €3,000 rate · balance €103,000After 16 months: €3,200 rate · balance €103,200After 17 months: €3,400 rate · balance €103,400After 18 months: €3,600 rate · balance €103,600After 19 months: €3,800 rate · balance €103,800After 20 months: €4,000 rate · balance €104,000After 21 months: €4,200 rate · balance €104,200After 22 months: €4,400 rate · balance €104,400After 23 months: €4,600 rate · balance €104,600After 24 months: €4,800 rate · balance €104,800After 25 months: €5,000 rate · balance €105,000After 26 months: €5,200 rate · balance €105,200After 27 months: €5,400 rate · balance €105,400After 28 months: €5,600 rate · balance €105,600After 29 months: €5,800 rate · balance €105,800After 30 months: €6,000 rate · balance €106,000After 31 months: €6,200 rate · balance €106,200After 32 months: €6,400 rate · balance €106,400After 33 months: €6,600 rate · balance €106,600After 34 months: €6,800 rate · balance €106,800After 35 months: €7,000 rate · balance €107,000After 36 months: €7,200 rate · balance €107,200After 37 months: €7,400 rate · balance €107,400After 38 months: €7,600 rate · balance €107,600After 39 months: €7,800 rate · balance €107,800After 40 months: €8,000 rate · balance €108,000After 41 months: €8,200 rate · balance €108,200After 42 months: €8,400 rate · balance €108,400After 43 months: €8,600 rate · balance €108,600After 44 months: €8,800 rate · balance €108,800After 45 months: €9,000 rate · balance €109,000After 46 months: €9,200 rate · balance €109,200After 47 months: €9,400 rate · balance €109,400After 48 months: €9,600 rate · balance €109,600After 49 months: €9,800 rate · balance €109,800After 50 months: €10,000 rate · balance €110,000After 51 months: €10,200 rate · balance €110,200After 52 months: €10,400 rate · balance €110,400After 53 months: €10,600 rate · balance €110,600After 54 months: €10,800 rate · balance €110,800After 55 months: €11,000 rate · balance €111,000After 56 months: €11,200 rate · balance €111,200After 57 months: €11,400 rate · balance €111,400After 58 months: €11,600 rate · balance €111,600After 59 months: €11,800 rate · balance €111,800After 60 months: €12,000 rate · balance €112,000
Per year
AfterInterest up to thenBalance
1 year€2,400€102,400
2 years€4,800€104,800
3 years€7,200€107,200
4 years€9,600€109,600
5 years€12,000€112,000

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 19 Sep 2026.

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