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Open an account at Nationale-Nederlanden
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Nationale-NederlandenDepositosparen

Deposit · 6 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.45%
6 years fixed
since 2 Sep 2026
Your return on €100,000
€2,450
per year, annualised · €14,700 total over 6 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 6 years: €14,700.
Interest built up over 6 years
€ 0€ 5k€ 10kstart2 yrs4 yrs6 yrs

Rate and conditions

BalanceRate
€0 – and up2.45%
Interest payout
yearly, paid out
Fees
none
Access
6 years fixed · early withdrawal with loss of interest
Term
6 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 2024now2.45%0.05% from 22 Jun 2021 until 13 Aug 20210.01% from 13 Aug 2021 until 18 May 20220.85% from 18 May 2022 until 29 Sep 20221.55% from 29 Sep 2022 until 4 Feb 20231.80% from 4 Feb 2023 until 11 Apr 20232.20% from 11 Apr 2023 until 4 Jun 20232.50% from 4 Jun 2023 until 3 Dec 20233.05% from 3 Dec 2023 until 15 Apr 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% · Direct5 years · 2.40% · Direct7 years · 2.50% · Direct8 years · 2.55% · Direct
€14,700After 1 month: €204.17 rate · balance €100,204.17After 2 months: €408.33 rate · balance €100,408.33After 3 months: €612.50 rate · balance €100,612.50After 4 months: €816.67 rate · balance €100,816.67After 5 months: €1,020.83 rate · balance €101,020.83After 6 months: €1,225.00 rate · balance €101,225.00After 7 months: €1,429.17 rate · balance €101,429.17After 8 months: €1,633.33 rate · balance €101,633.33After 9 months: €1,837.50 rate · balance €101,837.50After 10 months: €2,041.67 rate · balance €102,041.67After 11 months: €2,245.83 rate · balance €102,245.83After 12 months: €2,450.00 rate · balance €102,450.00After 13 months: €2,654.17 rate · balance €102,654.17After 14 months: €2,858.33 rate · balance €102,858.33After 15 months: €3,062.50 rate · balance €103,062.50After 16 months: €3,266.67 rate · balance €103,266.67After 17 months: €3,470.83 rate · balance €103,470.83After 18 months: €3,675.00 rate · balance €103,675.00After 19 months: €3,879.17 rate · balance €103,879.17After 20 months: €4,083.33 rate · balance €104,083.33After 21 months: €4,287.50 rate · balance €104,287.50After 22 months: €4,491.67 rate · balance €104,491.67After 23 months: €4,695.83 rate · balance €104,695.83After 24 months: €4,900.00 rate · balance €104,900.00After 25 months: €5,104.17 rate · balance €105,104.17After 26 months: €5,308.33 rate · balance €105,308.33After 27 months: €5,512.50 rate · balance €105,512.50After 28 months: €5,716.67 rate · balance €105,716.67After 29 months: €5,920.83 rate · balance €105,920.83After 30 months: €6,125.00 rate · balance €106,125.00After 31 months: €6,329.17 rate · balance €106,329.17After 32 months: €6,533.33 rate · balance €106,533.33After 33 months: €6,737.50 rate · balance €106,737.50After 34 months: €6,941.67 rate · balance €106,941.67After 35 months: €7,145.83 rate · balance €107,145.83After 36 months: €7,350.00 rate · balance €107,350.00After 37 months: €7,554.17 rate · balance €107,554.17After 38 months: €7,758.33 rate · balance €107,758.33After 39 months: €7,962.50 rate · balance €107,962.50After 40 months: €8,166.67 rate · balance €108,166.67After 41 months: €8,370.83 rate · balance €108,370.83After 42 months: €8,575.00 rate · balance €108,575.00After 43 months: €8,779.17 rate · balance €108,779.17After 44 months: €8,983.33 rate · balance €108,983.33After 45 months: €9,187.50 rate · balance €109,187.50After 46 months: €9,391.67 rate · balance €109,391.67After 47 months: €9,595.83 rate · balance €109,595.83After 48 months: €9,800.00 rate · balance €109,800.00After 49 months: €10,004.17 rate · balance €110,004.17After 50 months: €10,208.33 rate · balance €110,208.33After 51 months: €10,412.50 rate · balance €110,412.50After 52 months: €10,616.67 rate · balance €110,616.67After 53 months: €10,820.84 rate · balance €110,820.84After 54 months: €11,025.00 rate · balance €111,025.00After 55 months: €11,229.17 rate · balance €111,229.17After 56 months: €11,433.34 rate · balance €111,433.34After 57 months: €11,637.50 rate · balance €111,637.50After 58 months: €11,841.67 rate · balance €111,841.67After 59 months: €12,045.84 rate · balance €112,045.84After 60 months: €12,250.00 rate · balance €112,250.00After 61 months: €12,454.17 rate · balance €112,454.17After 62 months: €12,658.34 rate · balance €112,658.34After 63 months: €12,862.50 rate · balance €112,862.50After 64 months: €13,066.67 rate · balance €113,066.67After 65 months: €13,270.84 rate · balance €113,270.84After 66 months: €13,475.00 rate · balance €113,475.00After 67 months: €13,679.17 rate · balance €113,679.17After 68 months: €13,883.34 rate · balance €113,883.34After 69 months: €14,087.50 rate · balance €114,087.50After 70 months: €14,291.67 rate · balance €114,291.67After 71 months: €14,495.84 rate · balance €114,495.84After 72 months: €14,700.00 rate · balance €114,700.00
€ 0€ 5k€ 10kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs€14,700After 1 month: €204.17 rate · balance €100,204.17After 2 months: €408.33 rate · balance €100,408.33After 3 months: €612.50 rate · balance €100,612.50After 4 months: €816.67 rate · balance €100,816.67After 5 months: €1,020.83 rate · balance €101,020.83After 6 months: €1,225.00 rate · balance €101,225.00After 7 months: €1,429.17 rate · balance €101,429.17After 8 months: €1,633.33 rate · balance €101,633.33After 9 months: €1,837.50 rate · balance €101,837.50After 10 months: €2,041.67 rate · balance €102,041.67After 11 months: €2,245.83 rate · balance €102,245.83After 12 months: €2,450.00 rate · balance €102,450.00After 13 months: €2,654.17 rate · balance €102,654.17After 14 months: €2,858.33 rate · balance €102,858.33After 15 months: €3,062.50 rate · balance €103,062.50After 16 months: €3,266.67 rate · balance €103,266.67After 17 months: €3,470.83 rate · balance €103,470.83After 18 months: €3,675.00 rate · balance €103,675.00After 19 months: €3,879.17 rate · balance €103,879.17After 20 months: €4,083.33 rate · balance €104,083.33After 21 months: €4,287.50 rate · balance €104,287.50After 22 months: €4,491.67 rate · balance €104,491.67After 23 months: €4,695.83 rate · balance €104,695.83After 24 months: €4,900.00 rate · balance €104,900.00After 25 months: €5,104.17 rate · balance €105,104.17After 26 months: €5,308.33 rate · balance €105,308.33After 27 months: €5,512.50 rate · balance €105,512.50After 28 months: €5,716.67 rate · balance €105,716.67After 29 months: €5,920.83 rate · balance €105,920.83After 30 months: €6,125.00 rate · balance €106,125.00After 31 months: €6,329.17 rate · balance €106,329.17After 32 months: €6,533.33 rate · balance €106,533.33After 33 months: €6,737.50 rate · balance €106,737.50After 34 months: €6,941.67 rate · balance €106,941.67After 35 months: €7,145.83 rate · balance €107,145.83After 36 months: €7,350.00 rate · balance €107,350.00After 37 months: €7,554.17 rate · balance €107,554.17After 38 months: €7,758.33 rate · balance €107,758.33After 39 months: €7,962.50 rate · balance €107,962.50After 40 months: €8,166.67 rate · balance €108,166.67After 41 months: €8,370.83 rate · balance €108,370.83After 42 months: €8,575.00 rate · balance €108,575.00After 43 months: €8,779.17 rate · balance €108,779.17After 44 months: €8,983.33 rate · balance €108,983.33After 45 months: €9,187.50 rate · balance €109,187.50After 46 months: €9,391.67 rate · balance €109,391.67After 47 months: €9,595.83 rate · balance €109,595.83After 48 months: €9,800.00 rate · balance €109,800.00After 49 months: €10,004.17 rate · balance €110,004.17After 50 months: €10,208.33 rate · balance €110,208.33After 51 months: €10,412.50 rate · balance €110,412.50After 52 months: €10,616.67 rate · balance €110,616.67After 53 months: €10,820.84 rate · balance €110,820.84After 54 months: €11,025.00 rate · balance €111,025.00After 55 months: €11,229.17 rate · balance €111,229.17After 56 months: €11,433.34 rate · balance €111,433.34After 57 months: €11,637.50 rate · balance €111,637.50After 58 months: €11,841.67 rate · balance €111,841.67After 59 months: €12,045.84 rate · balance €112,045.84After 60 months: €12,250.00 rate · balance €112,250.00After 61 months: €12,454.17 rate · balance €112,454.17After 62 months: €12,658.34 rate · balance €112,658.34After 63 months: €12,862.50 rate · balance €112,862.50After 64 months: €13,066.67 rate · balance €113,066.67After 65 months: €13,270.84 rate · balance €113,270.84After 66 months: €13,475.00 rate · balance €113,475.00After 67 months: €13,679.17 rate · balance €113,679.17After 68 months: €13,883.34 rate · balance €113,883.34After 69 months: €14,087.50 rate · balance €114,087.50After 70 months: €14,291.67 rate · balance €114,291.67After 71 months: €14,495.84 rate · balance €114,495.84After 72 months: €14,700.00 rate · balance €114,700.00
Per year
AfterInterest up to thenBalance
1 year€2,450€102,450
2 years€4,900€104,900
3 years€7,350€107,350
4 years€9,800€109,800
5 years€12,250€112,250
6 years€14,700€114,700

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

2.80% from 15 Apr 2024 until 9 Dec 20242.60% from 9 Dec 2024 until 27 Mar 20252.40% from 27 Mar 2025 until 15 Oct 20252.45% from 15 Oct 2025 until 2 Sep 20262.45% 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 2024now2.45%0.05% from 22 Jun 2021 until 13 Aug 20210.01% from 13 Aug 2021 until 18 May 20220.85% from 18 May 2022 until 29 Sep 20221.55% from 29 Sep 2022 until 4 Feb 20231.80% from 4 Feb 2023 until 11 Apr 20232.20% from 11 Apr 2023 until 4 Jun 20232.50% 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 20252.40% from 27 Mar 2025 until 15 Oct 20252.45% from 15 Oct 2025 until 2 Sep 20262.45% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.45%current
15 Oct 20252.45%2 Sep 2026web archive
27 Mar 20252.40%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 20232.50%3 Dec 2023web archive
11 Apr 20232.20%4 Jun 2023web archive
4 Feb 20231.80%11 Apr 2023web archive
29 Sep 20221.55%4 Feb 2023web archive
18 May 20220.85%29 Sep 2022web archive
13 Aug 20210.01%18 May 2022web archive
22 Jun 20210.05%13 Aug 2021web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (72 mo) 2.45%

Rate checked on 19 Sep 2026.

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