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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 €16,800
€403
per year, annualised · €2,016 total over 5 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 5 years: €2,016.
Interest built up over 5 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,016

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

€16,800 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%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: €33.60 rate · balance €16,833.60After 2 months: €67.20 rate · balance €16,867.20After 3 months: €100.80 rate · balance €16,900.80After 4 months: €134.40 rate · balance €16,934.40After 5 months: €168 rate · balance €16,968After 6 months: €201.60 rate · balance €17,001.60After 7 months: €235.20 rate · balance €17,035.20After 8 months: €268.80 rate · balance €17,068.80After 9 months: €302.40 rate · balance €17,102.40After 10 months: €336.00 rate · balance €17,136After 11 months: €369.60 rate · balance €17,169.60After 12 months: €403.20 rate · balance €17,203.20After 13 months: €436.80 rate · balance €17,236.80After 14 months: €470.40 rate · balance €17,270.40After 15 months: €504.00 rate · balance €17,304After 16 months: €537.60 rate · balance €17,337.60After 17 months: €571.20 rate · balance €17,371.20After 18 months: €604.80 rate · balance €17,404.80After 19 months: €638.40 rate · balance €17,438.40After 20 months: €672.00 rate · balance €17,472After 21 months: €705.60 rate · balance €17,505.60After 22 months: €739.20 rate · balance €17,539.20After 23 months: €772.80 rate · balance €17,572.80After 24 months: €806.40 rate · balance €17,606.40After 25 months: €840.00 rate · balance €17,640After 26 months: €873.60 rate · balance €17,673.60After 27 months: €907.20 rate · balance €17,707.20After 28 months: €940.80 rate · balance €17,740.80After 29 months: €974.40 rate · balance €17,774.40After 30 months: €1,008.00 rate · balance €17,808After 31 months: €1,041.60 rate · balance €17,841.60After 32 months: €1,075.20 rate · balance €17,875.20After 33 months: €1,108.80 rate · balance €17,908.80After 34 months: €1,142.40 rate · balance €17,942.40After 35 months: €1,176 rate · balance €17,976After 36 months: €1,209.60 rate · balance €18,009.60After 37 months: €1,243.20 rate · balance €18,043.20After 38 months: €1,276.80 rate · balance €18,076.80After 39 months: €1,310.40 rate · balance €18,110.40After 40 months: €1,344.00 rate · balance €18,144After 41 months: €1,377.60 rate · balance €18,177.60After 42 months: €1,411.20 rate · balance €18,211.20After 43 months: €1,444.80 rate · balance €18,244.80After 44 months: €1,478.40 rate · balance €18,278.40After 45 months: €1,512.00 rate · balance €18,312After 46 months: €1,545.60 rate · balance €18,345.60After 47 months: €1,579.20 rate · balance €18,379.20After 48 months: €1,612.80 rate · balance €18,412.80After 49 months: €1,646.40 rate · balance €18,446.40After 50 months: €1,680.00 rate · balance €18,480After 51 months: €1,713.60 rate · balance €18,513.60After 52 months: €1,747.20 rate · balance €18,547.20After 53 months: €1,780.80 rate · balance €18,580.80After 54 months: €1,814.40 rate · balance €18,614.40After 55 months: €1,848.00 rate · balance €18,648After 56 months: €1,881.60 rate · balance €18,681.60After 57 months: €1,915.20 rate · balance €18,715.20After 58 months: €1,948.80 rate · balance €18,748.80After 59 months: €1,982.40 rate · balance €18,782.40After 60 months: €2,016.00 rate · balance €18,816.00
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs€2,016After 1 month: €33.60 rate · balance €16,833.60After 2 months: €67.20 rate · balance €16,867.20After 3 months: €100.80 rate · balance €16,900.80After 4 months: €134.40 rate · balance €16,934.40After 5 months: €168 rate · balance €16,968After 6 months: €201.60 rate · balance €17,001.60After 7 months: €235.20 rate · balance €17,035.20After 8 months: €268.80 rate · balance €17,068.80After 9 months: €302.40 rate · balance €17,102.40After 10 months: €336.00 rate · balance €17,136After 11 months: €369.60 rate · balance €17,169.60After 12 months: €403.20 rate · balance €17,203.20After 13 months: €436.80 rate · balance €17,236.80After 14 months: €470.40 rate · balance €17,270.40After 15 months: €504.00 rate · balance €17,304After 16 months: €537.60 rate · balance €17,337.60After 17 months: €571.20 rate · balance €17,371.20After 18 months: €604.80 rate · balance €17,404.80After 19 months: €638.40 rate · balance €17,438.40After 20 months: €672.00 rate · balance €17,472After 21 months: €705.60 rate · balance €17,505.60After 22 months: €739.20 rate · balance €17,539.20After 23 months: €772.80 rate · balance €17,572.80After 24 months: €806.40 rate · balance €17,606.40After 25 months: €840.00 rate · balance €17,640After 26 months: €873.60 rate · balance €17,673.60After 27 months: €907.20 rate · balance €17,707.20After 28 months: €940.80 rate · balance €17,740.80After 29 months: €974.40 rate · balance €17,774.40After 30 months: €1,008.00 rate · balance €17,808After 31 months: €1,041.60 rate · balance €17,841.60After 32 months: €1,075.20 rate · balance €17,875.20After 33 months: €1,108.80 rate · balance €17,908.80After 34 months: €1,142.40 rate · balance €17,942.40After 35 months: €1,176 rate · balance €17,976After 36 months: €1,209.60 rate · balance €18,009.60After 37 months: €1,243.20 rate · balance €18,043.20After 38 months: €1,276.80 rate · balance €18,076.80After 39 months: €1,310.40 rate · balance €18,110.40After 40 months: €1,344.00 rate · balance €18,144After 41 months: €1,377.60 rate · balance €18,177.60After 42 months: €1,411.20 rate · balance €18,211.20After 43 months: €1,444.80 rate · balance €18,244.80After 44 months: €1,478.40 rate · balance €18,278.40After 45 months: €1,512.00 rate · balance €18,312After 46 months: €1,545.60 rate · balance €18,345.60After 47 months: €1,579.20 rate · balance €18,379.20After 48 months: €1,612.80 rate · balance €18,412.80After 49 months: €1,646.40 rate · balance €18,446.40After 50 months: €1,680.00 rate · balance €18,480After 51 months: €1,713.60 rate · balance €18,513.60After 52 months: €1,747.20 rate · balance €18,547.20After 53 months: €1,780.80 rate · balance €18,580.80After 54 months: €1,814.40 rate · balance €18,614.40After 55 months: €1,848.00 rate · balance €18,648After 56 months: €1,881.60 rate · balance €18,681.60After 57 months: €1,915.20 rate · balance €18,715.20After 58 months: €1,948.80 rate · balance €18,748.80After 59 months: €1,982.40 rate · balance €18,782.40After 60 months: €2,016.00 rate · balance €18,816.00
Per year
AfterInterest up to thenBalance
1 year€403€17,203
2 years€806€17,606
3 years€1,210€18,010
4 years€1,613€18,413
5 years€2,016€18,816

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