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Open an account at Nationale-Nederlanden
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Nationale-NederlandenDepositosparen

Deposit · 7 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.50%
7 years fixed
since 2 Sep 2026
Your return on €10,000
€250
per year, annualised · €1,750 total over 7 years
Deposit guarantee
€10,000 fully protected
Dutch scheme

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

Your calculation for €10,000

Gross interest over 7 years: €1,750.
Interest built up over 7 years
€ 0€ 1kstart2 yrs4 yrs6 yrs

Rate and conditions

BalanceRate
€0 – and up2.50%
Interest payout
yearly, paid out
Fees
none
Access
7 years fixed · early withdrawal with loss of interest
Term
7 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

€10,000 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 2024now2.50%0.08% from 22 Jun 2021 until 13 Aug 20210.02% from 13 Aug 2021 until 18 May 20220.90% from 18 May 2022 until 29 Sep 20221.60% from 29 Sep 2022 until 4 Feb 20231.85% 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% · Direct6 years · 2.45% · Direct8 years · 2.55% · Direct9 years · · Direct
€1,750After 1 month: €20.83 rate · balance €10,020.83After 2 months: €41.67 rate · balance €10,041.67After 3 months: €62.50 rate · balance €10,062.50After 4 months: €83.33 rate · balance €10,083.33After 5 months: €104.17 rate · balance €10,104.17After 6 months: €125.00 rate · balance €10,125.00After 7 months: €145.83 rate · balance €10,145.83After 8 months: €166.67 rate · balance €10,166.67After 9 months: €187.50 rate · balance €10,187.50After 10 months: €208.33 rate · balance €10,208.33After 11 months: €229.17 rate · balance €10,229.17After 12 months: €250.00 rate · balance €10,250.00After 13 months: €270.83 rate · balance €10,270.83After 14 months: €291.67 rate · balance €10,291.67After 15 months: €312.50 rate · balance €10,312.50After 16 months: €333.33 rate · balance €10,333.33After 17 months: €354.17 rate · balance €10,354.17After 18 months: €375.00 rate · balance €10,375.00After 19 months: €395.83 rate · balance €10,395.83After 20 months: €416.67 rate · balance €10,416.67After 21 months: €437.50 rate · balance €10,437.50After 22 months: €458.33 rate · balance €10,458.33After 23 months: €479.17 rate · balance €10,479.17After 24 months: €500.00 rate · balance €10,500.00After 25 months: €520.83 rate · balance €10,520.83After 26 months: €541.67 rate · balance €10,541.67After 27 months: €562.50 rate · balance €10,562.50After 28 months: €583.33 rate · balance €10,583.33After 29 months: €604.17 rate · balance €10,604.17After 30 months: €625.00 rate · balance €10,625.00After 31 months: €645.83 rate · balance €10,645.83After 32 months: €666.67 rate · balance €10,666.67After 33 months: €687.50 rate · balance €10,687.50After 34 months: €708.33 rate · balance €10,708.33After 35 months: €729.17 rate · balance €10,729.17After 36 months: €750.00 rate · balance €10,750.00After 37 months: €770.83 rate · balance €10,770.83After 38 months: €791.67 rate · balance €10,791.67After 39 months: €812.50 rate · balance €10,812.50After 40 months: €833.33 rate · balance €10,833.33After 41 months: €854.17 rate · balance €10,854.17After 42 months: €875.00 rate · balance €10,875.00After 43 months: €895.83 rate · balance €10,895.83After 44 months: €916.67 rate · balance €10,916.67After 45 months: €937.50 rate · balance €10,937.50After 46 months: €958.33 rate · balance €10,958.33After 47 months: €979.17 rate · balance €10,979.17After 48 months: €1,000.00 rate · balance €11,000.00After 49 months: €1,020.83 rate · balance €11,020.83After 50 months: €1,041.67 rate · balance €11,041.67After 51 months: €1,062.50 rate · balance €11,062.50After 52 months: €1,083.33 rate · balance €11,083.33After 53 months: €1,104.16 rate · balance €11,104.16After 54 months: €1,125.00 rate · balance €11,125.00After 55 months: €1,145.83 rate · balance €11,145.83After 56 months: €1,166.66 rate · balance €11,166.66After 57 months: €1,187.50 rate · balance €11,187.50After 58 months: €1,208.33 rate · balance €11,208.33After 59 months: €1,229.16 rate · balance €11,229.16After 60 months: €1,250.00 rate · balance €11,250.00After 61 months: €1,270.83 rate · balance €11,270.83After 62 months: €1,291.66 rate · balance €11,291.66After 63 months: €1,312.50 rate · balance €11,312.50After 64 months: €1,333.33 rate · balance €11,333.33After 65 months: €1,354.16 rate · balance €11,354.16After 66 months: €1,375.00 rate · balance €11,375.00After 67 months: €1,395.83 rate · balance €11,395.83After 68 months: €1,416.66 rate · balance €11,416.66After 69 months: €1,437.50 rate · balance €11,437.50After 70 months: €1,458.33 rate · balance €11,458.33After 71 months: €1,479.16 rate · balance €11,479.16After 72 months: €1,500.00 rate · balance €11,500.00After 73 months: €1,520.83 rate · balance €11,520.83After 74 months: €1,541.66 rate · balance €11,541.66After 75 months: €1,562.50 rate · balance €11,562.50After 76 months: €1,583.33 rate · balance €11,583.33After 77 months: €1,604.16 rate · balance €11,604.16After 78 months: €1,625.00 rate · balance €11,625.00After 79 months: €1,645.83 rate · balance €11,645.83After 80 months: €1,666.66 rate · balance €11,666.66After 81 months: €1,687.50 rate · balance €11,687.50After 82 months: €1,708.33 rate · balance €11,708.33After 83 months: €1,729.16 rate · balance €11,729.16After 84 months: €1,750.00 rate · balance €11,750.00
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs€1,750After 1 month: €20.83 rate · balance €10,020.83After 2 months: €41.67 rate · balance €10,041.67After 3 months: €62.50 rate · balance €10,062.50After 4 months: €83.33 rate · balance €10,083.33After 5 months: €104.17 rate · balance €10,104.17After 6 months: €125.00 rate · balance €10,125.00After 7 months: €145.83 rate · balance €10,145.83After 8 months: €166.67 rate · balance €10,166.67After 9 months: €187.50 rate · balance €10,187.50After 10 months: €208.33 rate · balance €10,208.33After 11 months: €229.17 rate · balance €10,229.17After 12 months: €250.00 rate · balance €10,250.00After 13 months: €270.83 rate · balance €10,270.83After 14 months: €291.67 rate · balance €10,291.67After 15 months: €312.50 rate · balance €10,312.50After 16 months: €333.33 rate · balance €10,333.33After 17 months: €354.17 rate · balance €10,354.17After 18 months: €375.00 rate · balance €10,375.00After 19 months: €395.83 rate · balance €10,395.83After 20 months: €416.67 rate · balance €10,416.67After 21 months: €437.50 rate · balance €10,437.50After 22 months: €458.33 rate · balance €10,458.33After 23 months: €479.17 rate · balance €10,479.17After 24 months: €500.00 rate · balance €10,500.00After 25 months: €520.83 rate · balance €10,520.83After 26 months: €541.67 rate · balance €10,541.67After 27 months: €562.50 rate · balance €10,562.50After 28 months: €583.33 rate · balance €10,583.33After 29 months: €604.17 rate · balance €10,604.17After 30 months: €625.00 rate · balance €10,625.00After 31 months: €645.83 rate · balance €10,645.83After 32 months: €666.67 rate · balance €10,666.67After 33 months: €687.50 rate · balance €10,687.50After 34 months: €708.33 rate · balance €10,708.33After 35 months: €729.17 rate · balance €10,729.17After 36 months: €750.00 rate · balance €10,750.00After 37 months: €770.83 rate · balance €10,770.83After 38 months: €791.67 rate · balance €10,791.67After 39 months: €812.50 rate · balance €10,812.50After 40 months: €833.33 rate · balance €10,833.33After 41 months: €854.17 rate · balance €10,854.17After 42 months: €875.00 rate · balance €10,875.00After 43 months: €895.83 rate · balance €10,895.83After 44 months: €916.67 rate · balance €10,916.67After 45 months: €937.50 rate · balance €10,937.50After 46 months: €958.33 rate · balance €10,958.33After 47 months: €979.17 rate · balance €10,979.17After 48 months: €1,000.00 rate · balance €11,000.00After 49 months: €1,020.83 rate · balance €11,020.83After 50 months: €1,041.67 rate · balance €11,041.67After 51 months: €1,062.50 rate · balance €11,062.50After 52 months: €1,083.33 rate · balance €11,083.33After 53 months: €1,104.16 rate · balance €11,104.16After 54 months: €1,125.00 rate · balance €11,125.00After 55 months: €1,145.83 rate · balance €11,145.83After 56 months: €1,166.66 rate · balance €11,166.66After 57 months: €1,187.50 rate · balance €11,187.50After 58 months: €1,208.33 rate · balance €11,208.33After 59 months: €1,229.16 rate · balance €11,229.16After 60 months: €1,250.00 rate · balance €11,250.00After 61 months: €1,270.83 rate · balance €11,270.83After 62 months: €1,291.66 rate · balance €11,291.66After 63 months: €1,312.50 rate · balance €11,312.50After 64 months: €1,333.33 rate · balance €11,333.33After 65 months: €1,354.16 rate · balance €11,354.16After 66 months: €1,375.00 rate · balance €11,375.00After 67 months: €1,395.83 rate · balance €11,395.83After 68 months: €1,416.66 rate · balance €11,416.66After 69 months: €1,437.50 rate · balance €11,437.50After 70 months: €1,458.33 rate · balance €11,458.33After 71 months: €1,479.16 rate · balance €11,479.16After 72 months: €1,500.00 rate · balance €11,500.00After 73 months: €1,520.83 rate · balance €11,520.83After 74 months: €1,541.66 rate · balance €11,541.66After 75 months: €1,562.50 rate · balance €11,562.50After 76 months: €1,583.33 rate · balance €11,583.33After 77 months: €1,604.16 rate · balance €11,604.16After 78 months: €1,625.00 rate · balance €11,625.00After 79 months: €1,645.83 rate · balance €11,645.83After 80 months: €1,666.66 rate · balance €11,666.66After 81 months: €1,687.50 rate · balance €11,687.50After 82 months: €1,708.33 rate · balance €11,708.33After 83 months: €1,729.16 rate · balance €11,729.16After 84 months: €1,750.00 rate · balance €11,750.00
Per year
AfterInterest up to thenBalance
1 year€250€10,250
2 years€500€10,500
3 years€750€10,750
4 years€1,000€11,000
5 years€1,250€11,250
6 years€1,500€11,500
7 years€1,750€11,750

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 20252.50% from 15 Oct 2025 until 2 Sep 20262.50% 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 2024now2.50%0.08% from 22 Jun 2021 until 13 Aug 20210.02% from 13 Aug 2021 until 18 May 20220.90% from 18 May 2022 until 29 Sep 20221.60% from 29 Sep 2022 until 4 Feb 20231.85% 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 20252.50% from 15 Oct 2025 until 2 Sep 20262.50% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.50%current
15 Oct 20252.50%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 20231.85%11 Apr 2023web archive
29 Sep 20221.60%4 Feb 2023web archive
18 May 20220.90%29 Sep 2022web archive
13 Aug 20210.02%18 May 2022web archive
22 Jun 20210.08%13 Aug 2021web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (84 mo) 2.50%

Rate checked on 18 Sep 2026.

2.60%
10 years · 2.90% · Direct