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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 · 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 €100,000
€2,500
per year, annualised · €17,500 total over 7 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 7 years: €17,500.
Interest built up over 7 years
€ 0€ 10kstart2 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

€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 2024now2.50%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% · Direct
€17,500After 1 month: €208.33 rate · balance €100,208.33After 2 months: €416.67 rate · balance €100,416.67After 3 months: €625.00 rate · balance €100,625.00After 4 months: €833.33 rate · balance €100,833.33After 5 months: €1,041.67 rate · balance €101,041.67After 6 months: €1,250.00 rate · balance €101,250.00After 7 months: €1,458.33 rate · balance €101,458.33After 8 months: €1,666.67 rate · balance €101,666.67After 9 months: €1,875.00 rate · balance €101,875.00After 10 months: €2,083.33 rate · balance €102,083.33After 11 months: €2,291.67 rate · balance €102,291.67After 12 months: €2,500.00 rate · balance €102,500.00After 13 months: €2,708.33 rate · balance €102,708.33After 14 months: €2,916.67 rate · balance €102,916.67After 15 months: €3,125.00 rate · balance €103,125.00After 16 months: €3,333.33 rate · balance €103,333.33After 17 months: €3,541.67 rate · balance €103,541.67After 18 months: €3,750.00 rate · balance €103,750.00After 19 months: €3,958.33 rate · balance €103,958.33After 20 months: €4,166.67 rate · balance €104,166.67After 21 months: €4,375.00 rate · balance €104,375.00After 22 months: €4,583.33 rate · balance €104,583.33After 23 months: €4,791.67 rate · balance €104,791.67After 24 months: €5,000.00 rate · balance €105,000.00After 25 months: €5,208.33 rate · balance €105,208.33After 26 months: €5,416.67 rate · balance €105,416.67After 27 months: €5,625.00 rate · balance €105,625.00After 28 months: €5,833.33 rate · balance €105,833.33After 29 months: €6,041.67 rate · balance €106,041.67After 30 months: €6,250.00 rate · balance €106,250.00After 31 months: €6,458.33 rate · balance €106,458.33After 32 months: €6,666.67 rate · balance €106,666.67After 33 months: €6,875.00 rate · balance €106,875.00After 34 months: €7,083.33 rate · balance €107,083.33After 35 months: €7,291.67 rate · balance €107,291.67After 36 months: €7,500.00 rate · balance €107,500.00After 37 months: €7,708.33 rate · balance €107,708.33After 38 months: €7,916.67 rate · balance €107,916.67After 39 months: €8,125.00 rate · balance €108,125.00After 40 months: €8,333.33 rate · balance €108,333.33After 41 months: €8,541.67 rate · balance €108,541.67After 42 months: €8,750.00 rate · balance €108,750.00After 43 months: €8,958.33 rate · balance €108,958.33After 44 months: €9,166.67 rate · balance €109,166.67After 45 months: €9,375.00 rate · balance €109,375.00After 46 months: €9,583.33 rate · balance €109,583.33After 47 months: €9,791.67 rate · balance €109,791.67After 48 months: €10,000.00 rate · balance €110,000.00After 49 months: €10,208.33 rate · balance €110,208.33After 50 months: €10,416.67 rate · balance €110,416.67After 51 months: €10,625.00 rate · balance €110,625.00After 52 months: €10,833.33 rate · balance €110,833.33After 53 months: €11,041.66 rate · balance €111,041.66After 54 months: €11,250.00 rate · balance €111,250.00After 55 months: €11,458.33 rate · balance €111,458.33After 56 months: €11,666.66 rate · balance €111,666.66After 57 months: €11,875.00 rate · balance €111,875.00After 58 months: €12,083.33 rate · balance €112,083.33After 59 months: €12,291.66 rate · balance €112,291.66After 60 months: €12,500.00 rate · balance €112,500.00After 61 months: €12,708.33 rate · balance €112,708.33After 62 months: €12,916.66 rate · balance €112,916.66After 63 months: €13,125.00 rate · balance €113,125.00After 64 months: €13,333.33 rate · balance €113,333.33After 65 months: €13,541.66 rate · balance €113,541.66After 66 months: €13,750.00 rate · balance €113,750.00After 67 months: €13,958.33 rate · balance €113,958.33After 68 months: €14,166.66 rate · balance €114,166.66After 69 months: €14,375.00 rate · balance €114,375.00After 70 months: €14,583.33 rate · balance €114,583.33After 71 months: €14,791.66 rate · balance €114,791.66After 72 months: €15,000.00 rate · balance €115,000.00After 73 months: €15,208.33 rate · balance €115,208.33After 74 months: €15,416.66 rate · balance €115,416.66After 75 months: €15,625.00 rate · balance €115,625.00After 76 months: €15,833.33 rate · balance €115,833.33After 77 months: €16,041.66 rate · balance €116,041.66After 78 months: €16,250.00 rate · balance €116,250.00After 79 months: €16,458.33 rate · balance €116,458.33After 80 months: €16,666.66 rate · balance €116,666.66After 81 months: €16,875.00 rate · balance €116,875.00After 82 months: €17,083.33 rate · balance €117,083.33After 83 months: €17,291.66 rate · balance €117,291.66After 84 months: €17,500.00 rate · balance €117,500.00
€ 0€ 10kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs€17,500After 1 month: €208.33 rate · balance €100,208.33After 2 months: €416.67 rate · balance €100,416.67After 3 months: €625.00 rate · balance €100,625.00After 4 months: €833.33 rate · balance €100,833.33After 5 months: €1,041.67 rate · balance €101,041.67After 6 months: €1,250.00 rate · balance €101,250.00After 7 months: €1,458.33 rate · balance €101,458.33After 8 months: €1,666.67 rate · balance €101,666.67After 9 months: €1,875.00 rate · balance €101,875.00After 10 months: €2,083.33 rate · balance €102,083.33After 11 months: €2,291.67 rate · balance €102,291.67After 12 months: €2,500.00 rate · balance €102,500.00After 13 months: €2,708.33 rate · balance €102,708.33After 14 months: €2,916.67 rate · balance €102,916.67After 15 months: €3,125.00 rate · balance €103,125.00After 16 months: €3,333.33 rate · balance €103,333.33After 17 months: €3,541.67 rate · balance €103,541.67After 18 months: €3,750.00 rate · balance €103,750.00After 19 months: €3,958.33 rate · balance €103,958.33After 20 months: €4,166.67 rate · balance €104,166.67After 21 months: €4,375.00 rate · balance €104,375.00After 22 months: €4,583.33 rate · balance €104,583.33After 23 months: €4,791.67 rate · balance €104,791.67After 24 months: €5,000.00 rate · balance €105,000.00After 25 months: €5,208.33 rate · balance €105,208.33After 26 months: €5,416.67 rate · balance €105,416.67After 27 months: €5,625.00 rate · balance €105,625.00After 28 months: €5,833.33 rate · balance €105,833.33After 29 months: €6,041.67 rate · balance €106,041.67After 30 months: €6,250.00 rate · balance €106,250.00After 31 months: €6,458.33 rate · balance €106,458.33After 32 months: €6,666.67 rate · balance €106,666.67After 33 months: €6,875.00 rate · balance €106,875.00After 34 months: €7,083.33 rate · balance €107,083.33After 35 months: €7,291.67 rate · balance €107,291.67After 36 months: €7,500.00 rate · balance €107,500.00After 37 months: €7,708.33 rate · balance €107,708.33After 38 months: €7,916.67 rate · balance €107,916.67After 39 months: €8,125.00 rate · balance €108,125.00After 40 months: €8,333.33 rate · balance €108,333.33After 41 months: €8,541.67 rate · balance €108,541.67After 42 months: €8,750.00 rate · balance €108,750.00After 43 months: €8,958.33 rate · balance €108,958.33After 44 months: €9,166.67 rate · balance €109,166.67After 45 months: €9,375.00 rate · balance €109,375.00After 46 months: €9,583.33 rate · balance €109,583.33After 47 months: €9,791.67 rate · balance €109,791.67After 48 months: €10,000.00 rate · balance €110,000.00After 49 months: €10,208.33 rate · balance €110,208.33After 50 months: €10,416.67 rate · balance €110,416.67After 51 months: €10,625.00 rate · balance €110,625.00After 52 months: €10,833.33 rate · balance €110,833.33After 53 months: €11,041.66 rate · balance €111,041.66After 54 months: €11,250.00 rate · balance €111,250.00After 55 months: €11,458.33 rate · balance €111,458.33After 56 months: €11,666.66 rate · balance €111,666.66After 57 months: €11,875.00 rate · balance €111,875.00After 58 months: €12,083.33 rate · balance €112,083.33After 59 months: €12,291.66 rate · balance €112,291.66After 60 months: €12,500.00 rate · balance €112,500.00After 61 months: €12,708.33 rate · balance €112,708.33After 62 months: €12,916.66 rate · balance €112,916.66After 63 months: €13,125.00 rate · balance €113,125.00After 64 months: €13,333.33 rate · balance €113,333.33After 65 months: €13,541.66 rate · balance €113,541.66After 66 months: €13,750.00 rate · balance €113,750.00After 67 months: €13,958.33 rate · balance €113,958.33After 68 months: €14,166.66 rate · balance €114,166.66After 69 months: €14,375.00 rate · balance €114,375.00After 70 months: €14,583.33 rate · balance €114,583.33After 71 months: €14,791.66 rate · balance €114,791.66After 72 months: €15,000.00 rate · balance €115,000.00After 73 months: €15,208.33 rate · balance €115,208.33After 74 months: €15,416.66 rate · balance €115,416.66After 75 months: €15,625.00 rate · balance €115,625.00After 76 months: €15,833.33 rate · balance €115,833.33After 77 months: €16,041.66 rate · balance €116,041.66After 78 months: €16,250.00 rate · balance €116,250.00After 79 months: €16,458.33 rate · balance €116,458.33After 80 months: €16,666.66 rate · balance €116,666.66After 81 months: €16,875.00 rate · balance €116,875.00After 82 months: €17,083.33 rate · balance €117,083.33After 83 months: €17,291.66 rate · balance €117,291.66After 84 months: €17,500.00 rate · balance €117,500.00
Per year
AfterInterest up to thenBalance
1 year€2,500€102,500
2 years€5,000€105,000
3 years€7,500€107,500
4 years€10,000€110,000
5 years€12,500€112,500
6 years€15,000€115,000
7 years€17,500€117,500

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 19 Sep 2026.

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