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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 €16,600
€398
per year, annualised · €1,992 total over 5 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 5 years: €1,992.
Interest built up over 5 years
€ 0€ 1kstart2 yrs4 yrs€1,992After 1 month: €33.20 rate · balance €16,633.20

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

€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%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 2 months: €66.40 rate · balance €16,666.40After 3 months: €99.60 rate · balance €16,699.60After 4 months: €132.80 rate · balance €16,732.80After 5 months: €166 rate · balance €16,766After 6 months: €199.20 rate · balance €16,799.20After 7 months: €232.40 rate · balance €16,832.40After 8 months: €265.60 rate · balance €16,865.60After 9 months: €298.80 rate · balance €16,898.80After 10 months: €332.00 rate · balance €16,932After 11 months: €365.20 rate · balance €16,965.20After 12 months: €398.40 rate · balance €16,998.40After 13 months: €431.60 rate · balance €17,031.60After 14 months: €464.80 rate · balance €17,064.80After 15 months: €498.00 rate · balance €17,098After 16 months: €531.20 rate · balance €17,131.20After 17 months: €564.40 rate · balance €17,164.40After 18 months: €597.60 rate · balance €17,197.60After 19 months: €630.80 rate · balance €17,230.80After 20 months: €664.00 rate · balance €17,264After 21 months: €697.20 rate · balance €17,297.20After 22 months: €730.40 rate · balance €17,330.40After 23 months: €763.60 rate · balance €17,363.60After 24 months: €796.80 rate · balance €17,396.80After 25 months: €830.00 rate · balance €17,430After 26 months: €863.20 rate · balance €17,463.20After 27 months: €896.40 rate · balance €17,496.40After 28 months: €929.60 rate · balance €17,529.60After 29 months: €962.80 rate · balance €17,562.80After 30 months: €996.00 rate · balance €17,596After 31 months: €1,029.20 rate · balance €17,629.20After 32 months: €1,062.40 rate · balance €17,662.40After 33 months: €1,095.60 rate · balance €17,695.60After 34 months: €1,128.80 rate · balance €17,728.80After 35 months: €1,162.00 rate · balance €17,762After 36 months: €1,195.20 rate · balance €17,795.20After 37 months: €1,228.40 rate · balance €17,828.40After 38 months: €1,261.60 rate · balance €17,861.60After 39 months: €1,294.80 rate · balance €17,894.80After 40 months: €1,328.00 rate · balance €17,928After 41 months: €1,361.20 rate · balance €17,961.20After 42 months: €1,394.40 rate · balance €17,994.40After 43 months: €1,427.60 rate · balance €18,027.60After 44 months: €1,460.80 rate · balance €18,060.80After 45 months: €1,494.00 rate · balance €18,094After 46 months: €1,527.20 rate · balance €18,127.20After 47 months: €1,560.40 rate · balance €18,160.40After 48 months: €1,593.60 rate · balance €18,193.60After 49 months: €1,626.80 rate · balance €18,226.80After 50 months: €1,660.00 rate · balance €18,260After 51 months: €1,693.20 rate · balance €18,293.20After 52 months: €1,726.40 rate · balance €18,326.40After 53 months: €1,759.60 rate · balance €18,359.60After 54 months: €1,792.80 rate · balance €18,392.80After 55 months: €1,826.00 rate · balance €18,426After 56 months: €1,859.20 rate · balance €18,459.20After 57 months: €1,892.40 rate · balance €18,492.40After 58 months: €1,925.60 rate · balance €18,525.60After 59 months: €1,958.80 rate · balance €18,558.80After 60 months: €1,992.00 rate · balance €18,592
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs5 yrs€1,992After 1 month: €33.20 rate · balance €16,633.20After 2 months: €66.40 rate · balance €16,666.40After 3 months: €99.60 rate · balance €16,699.60After 4 months: €132.80 rate · balance €16,732.80After 5 months: €166 rate · balance €16,766After 6 months: €199.20 rate · balance €16,799.20After 7 months: €232.40 rate · balance €16,832.40After 8 months: €265.60 rate · balance €16,865.60After 9 months: €298.80 rate · balance €16,898.80After 10 months: €332.00 rate · balance €16,932After 11 months: €365.20 rate · balance €16,965.20After 12 months: €398.40 rate · balance €16,998.40After 13 months: €431.60 rate · balance €17,031.60After 14 months: €464.80 rate · balance €17,064.80After 15 months: €498.00 rate · balance €17,098After 16 months: €531.20 rate · balance €17,131.20After 17 months: €564.40 rate · balance €17,164.40After 18 months: €597.60 rate · balance €17,197.60After 19 months: €630.80 rate · balance €17,230.80After 20 months: €664.00 rate · balance €17,264After 21 months: €697.20 rate · balance €17,297.20After 22 months: €730.40 rate · balance €17,330.40After 23 months: €763.60 rate · balance €17,363.60After 24 months: €796.80 rate · balance €17,396.80After 25 months: €830.00 rate · balance €17,430After 26 months: €863.20 rate · balance €17,463.20After 27 months: €896.40 rate · balance €17,496.40After 28 months: €929.60 rate · balance €17,529.60After 29 months: €962.80 rate · balance €17,562.80After 30 months: €996.00 rate · balance €17,596After 31 months: €1,029.20 rate · balance €17,629.20After 32 months: €1,062.40 rate · balance €17,662.40After 33 months: €1,095.60 rate · balance €17,695.60After 34 months: €1,128.80 rate · balance €17,728.80After 35 months: €1,162.00 rate · balance €17,762After 36 months: €1,195.20 rate · balance €17,795.20After 37 months: €1,228.40 rate · balance €17,828.40After 38 months: €1,261.60 rate · balance €17,861.60After 39 months: €1,294.80 rate · balance €17,894.80After 40 months: €1,328.00 rate · balance €17,928After 41 months: €1,361.20 rate · balance €17,961.20After 42 months: €1,394.40 rate · balance €17,994.40After 43 months: €1,427.60 rate · balance €18,027.60After 44 months: €1,460.80 rate · balance €18,060.80After 45 months: €1,494.00 rate · balance €18,094After 46 months: €1,527.20 rate · balance €18,127.20After 47 months: €1,560.40 rate · balance €18,160.40After 48 months: €1,593.60 rate · balance €18,193.60After 49 months: €1,626.80 rate · balance €18,226.80After 50 months: €1,660.00 rate · balance €18,260After 51 months: €1,693.20 rate · balance €18,293.20After 52 months: €1,726.40 rate · balance €18,326.40After 53 months: €1,759.60 rate · balance €18,359.60After 54 months: €1,792.80 rate · balance €18,392.80After 55 months: €1,826.00 rate · balance €18,426After 56 months: €1,859.20 rate · balance €18,459.20After 57 months: €1,892.40 rate · balance €18,492.40After 58 months: €1,925.60 rate · balance €18,525.60After 59 months: €1,958.80 rate · balance €18,558.80After 60 months: €1,992.00 rate · balance €18,592
Per year
AfterInterest up to thenBalance
1 year€398€16,998
2 years€797€17,397
3 years€1,195€17,795
4 years€1,594€18,194
5 years€1,992€18,592

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.

2.60%
10 years · 2.90% · Direct