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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 €25,000
€613
per year, annualised · €3,675 total over 6 years
Deposit guarantee
€25,000 fully protected
Dutch scheme

Nationale-Nederlanden Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €25,000

Gross interest over 6 years: €3,675.
Interest built up over 6 years
€ 0€ 2kstart2 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

€25,000 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% · Direct9 years · · Direct
€3,675After 1 month: €51.04 rate · balance €25,051.04After 2 months: €102.08 rate · balance €25,102.08After 3 months: €153.13 rate · balance €25,153.13After 4 months: €204.17 rate · balance €25,204.17After 5 months: €255.21 rate · balance €25,255.21After 6 months: €306.25 rate · balance €25,306.25After 7 months: €357.29 rate · balance €25,357.29After 8 months: €408.33 rate · balance €25,408.33After 9 months: €459.38 rate · balance €25,459.38After 10 months: €510.42 rate · balance €25,510.42After 11 months: €561.46 rate · balance €25,561.46After 12 months: €612.50 rate · balance €25,612.50After 13 months: €663.54 rate · balance €25,663.54After 14 months: €714.58 rate · balance €25,714.58After 15 months: €765.63 rate · balance €25,765.63After 16 months: €816.67 rate · balance €25,816.67After 17 months: €867.71 rate · balance €25,867.71After 18 months: €918.75 rate · balance €25,918.75After 19 months: €969.79 rate · balance €25,969.79After 20 months: €1,020.83 rate · balance €26,020.83After 21 months: €1,071.88 rate · balance €26,071.88After 22 months: €1,122.92 rate · balance €26,122.92After 23 months: €1,173.96 rate · balance €26,173.96After 24 months: €1,225.00 rate · balance €26,225.00After 25 months: €1,276.04 rate · balance €26,276.04After 26 months: €1,327.08 rate · balance €26,327.08After 27 months: €1,378.13 rate · balance €26,378.13After 28 months: €1,429.17 rate · balance €26,429.17After 29 months: €1,480.21 rate · balance €26,480.21After 30 months: €1,531.25 rate · balance €26,531.25After 31 months: €1,582.29 rate · balance €26,582.29After 32 months: €1,633.33 rate · balance €26,633.33After 33 months: €1,684.38 rate · balance €26,684.38After 34 months: €1,735.42 rate · balance €26,735.42After 35 months: €1,786.46 rate · balance €26,786.46After 36 months: €1,837.50 rate · balance €26,837.50After 37 months: €1,888.54 rate · balance €26,888.54After 38 months: €1,939.58 rate · balance €26,939.58After 39 months: €1,990.63 rate · balance €26,990.63After 40 months: €2,041.67 rate · balance €27,041.67After 41 months: €2,092.71 rate · balance €27,092.71After 42 months: €2,143.75 rate · balance €27,143.75After 43 months: €2,194.79 rate · balance €27,194.79After 44 months: €2,245.83 rate · balance €27,245.83After 45 months: €2,296.88 rate · balance €27,296.88After 46 months: €2,347.92 rate · balance €27,347.92After 47 months: €2,398.96 rate · balance €27,398.96After 48 months: €2,450.00 rate · balance €27,450.00After 49 months: €2,501.04 rate · balance €27,501.04After 50 months: €2,552.09 rate · balance €27,552.09After 51 months: €2,603.13 rate · balance €27,603.13After 52 months: €2,654.17 rate · balance €27,654.17After 53 months: €2,705.21 rate · balance €27,705.21After 54 months: €2,756.25 rate · balance €27,756.25After 55 months: €2,807.29 rate · balance €27,807.29After 56 months: €2,858.34 rate · balance €27,858.34After 57 months: €2,909.38 rate · balance €27,909.38After 58 months: €2,960.42 rate · balance €27,960.42After 59 months: €3,011.46 rate · balance €28,011.46After 60 months: €3,062.50 rate · balance €28,062.50After 61 months: €3,113.54 rate · balance €28,113.54After 62 months: €3,164.59 rate · balance €28,164.59After 63 months: €3,215.63 rate · balance €28,215.63After 64 months: €3,266.67 rate · balance €28,266.67After 65 months: €3,317.71 rate · balance €28,317.71After 66 months: €3,368.75 rate · balance €28,368.75After 67 months: €3,419.79 rate · balance €28,419.79After 68 months: €3,470.84 rate · balance €28,470.84After 69 months: €3,521.88 rate · balance €28,521.88After 70 months: €3,572.92 rate · balance €28,572.92After 71 months: €3,623.96 rate · balance €28,623.96After 72 months: €3,675.00 rate · balance €28,675.00
€ 0€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs€3,675After 1 month: €51.04 rate · balance €25,051.04After 2 months: €102.08 rate · balance €25,102.08After 3 months: €153.13 rate · balance €25,153.13After 4 months: €204.17 rate · balance €25,204.17After 5 months: €255.21 rate · balance €25,255.21After 6 months: €306.25 rate · balance €25,306.25After 7 months: €357.29 rate · balance €25,357.29After 8 months: €408.33 rate · balance €25,408.33After 9 months: €459.38 rate · balance €25,459.38After 10 months: €510.42 rate · balance €25,510.42After 11 months: €561.46 rate · balance €25,561.46After 12 months: €612.50 rate · balance €25,612.50After 13 months: €663.54 rate · balance €25,663.54After 14 months: €714.58 rate · balance €25,714.58After 15 months: €765.63 rate · balance €25,765.63After 16 months: €816.67 rate · balance €25,816.67After 17 months: €867.71 rate · balance €25,867.71After 18 months: €918.75 rate · balance €25,918.75After 19 months: €969.79 rate · balance €25,969.79After 20 months: €1,020.83 rate · balance €26,020.83After 21 months: €1,071.88 rate · balance €26,071.88After 22 months: €1,122.92 rate · balance €26,122.92After 23 months: €1,173.96 rate · balance €26,173.96After 24 months: €1,225.00 rate · balance €26,225.00After 25 months: €1,276.04 rate · balance €26,276.04After 26 months: €1,327.08 rate · balance €26,327.08After 27 months: €1,378.13 rate · balance €26,378.13After 28 months: €1,429.17 rate · balance €26,429.17After 29 months: €1,480.21 rate · balance €26,480.21After 30 months: €1,531.25 rate · balance €26,531.25After 31 months: €1,582.29 rate · balance €26,582.29After 32 months: €1,633.33 rate · balance €26,633.33After 33 months: €1,684.38 rate · balance €26,684.38After 34 months: €1,735.42 rate · balance €26,735.42After 35 months: €1,786.46 rate · balance €26,786.46After 36 months: €1,837.50 rate · balance €26,837.50After 37 months: €1,888.54 rate · balance €26,888.54After 38 months: €1,939.58 rate · balance €26,939.58After 39 months: €1,990.63 rate · balance €26,990.63After 40 months: €2,041.67 rate · balance €27,041.67After 41 months: €2,092.71 rate · balance €27,092.71After 42 months: €2,143.75 rate · balance €27,143.75After 43 months: €2,194.79 rate · balance €27,194.79After 44 months: €2,245.83 rate · balance €27,245.83After 45 months: €2,296.88 rate · balance €27,296.88After 46 months: €2,347.92 rate · balance €27,347.92After 47 months: €2,398.96 rate · balance €27,398.96After 48 months: €2,450.00 rate · balance €27,450.00After 49 months: €2,501.04 rate · balance €27,501.04After 50 months: €2,552.09 rate · balance €27,552.09After 51 months: €2,603.13 rate · balance €27,603.13After 52 months: €2,654.17 rate · balance €27,654.17After 53 months: €2,705.21 rate · balance €27,705.21After 54 months: €2,756.25 rate · balance €27,756.25After 55 months: €2,807.29 rate · balance €27,807.29After 56 months: €2,858.34 rate · balance €27,858.34After 57 months: €2,909.38 rate · balance €27,909.38After 58 months: €2,960.42 rate · balance €27,960.42After 59 months: €3,011.46 rate · balance €28,011.46After 60 months: €3,062.50 rate · balance €28,062.50After 61 months: €3,113.54 rate · balance €28,113.54After 62 months: €3,164.59 rate · balance €28,164.59After 63 months: €3,215.63 rate · balance €28,215.63After 64 months: €3,266.67 rate · balance €28,266.67After 65 months: €3,317.71 rate · balance €28,317.71After 66 months: €3,368.75 rate · balance €28,368.75After 67 months: €3,419.79 rate · balance €28,419.79After 68 months: €3,470.84 rate · balance €28,470.84After 69 months: €3,521.88 rate · balance €28,521.88After 70 months: €3,572.92 rate · balance €28,572.92After 71 months: €3,623.96 rate · balance €28,623.96After 72 months: €3,675.00 rate · balance €28,675.00
Per year
AfterInterest up to thenBalance
1 year€613€25,613
2 years€1,225€26,225
3 years€1,838€26,838
4 years€2,450€27,450
5 years€3,063€28,063
6 years€3,675€28,675

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 18 Sep 2026.

2.60%
10 years · 2.90% · Direct