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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 €16,600
€415
per year, annualised · €2,905 total over 7 years
Deposit guarantee
€16,600 fully protected
Dutch scheme

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

Your calculation for €16,600

Gross interest over 7 years: €2,905.
Interest built up over 7 years
€ 0€ 1k€ 2kstart2 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

€16,600 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
€2,905After 1 month: €34.58 rate · balance €16,634.58After 2 months: €69.17 rate · balance €16,669.17After 3 months: €103.75 rate · balance €16,703.75After 4 months: €138.33 rate · balance €16,738.33After 5 months: €172.92 rate · balance €16,772.92After 6 months: €207.50 rate · balance €16,807.50After 7 months: €242.08 rate · balance €16,842.08After 8 months: €276.67 rate · balance €16,876.67After 9 months: €311.25 rate · balance €16,911.25After 10 months: €345.83 rate · balance €16,945.83After 11 months: €380.42 rate · balance €16,980.42After 12 months: €415.00 rate · balance €17,015.00After 13 months: €449.58 rate · balance €17,049.58After 14 months: €484.17 rate · balance €17,084.17After 15 months: €518.75 rate · balance €17,118.75After 16 months: €553.33 rate · balance €17,153.33After 17 months: €587.92 rate · balance €17,187.92After 18 months: €622.50 rate · balance €17,222.50After 19 months: €657.08 rate · balance €17,257.08After 20 months: €691.67 rate · balance €17,291.67After 21 months: €726.25 rate · balance €17,326.25After 22 months: €760.83 rate · balance €17,360.83After 23 months: €795.42 rate · balance €17,395.42After 24 months: €830.00 rate · balance €17,430.00After 25 months: €864.58 rate · balance €17,464.58After 26 months: €899.17 rate · balance €17,499.17After 27 months: €933.75 rate · balance €17,533.75After 28 months: €968.33 rate · balance €17,568.33After 29 months: €1,002.92 rate · balance €17,602.92After 30 months: €1,037.50 rate · balance €17,637.50After 31 months: €1,072.08 rate · balance €17,672.08After 32 months: €1,106.67 rate · balance €17,706.67After 33 months: €1,141.25 rate · balance €17,741.25After 34 months: €1,175.83 rate · balance €17,775.83After 35 months: €1,210.42 rate · balance €17,810.42After 36 months: €1,245.00 rate · balance €17,845.00After 37 months: €1,279.58 rate · balance €17,879.58After 38 months: €1,314.17 rate · balance €17,914.17After 39 months: €1,348.75 rate · balance €17,948.75After 40 months: €1,383.33 rate · balance €17,983.33After 41 months: €1,417.92 rate · balance €18,017.92After 42 months: €1,452.50 rate · balance €18,052.50After 43 months: €1,487.08 rate · balance €18,087.08After 44 months: €1,521.67 rate · balance €18,121.67After 45 months: €1,556.25 rate · balance €18,156.25After 46 months: €1,590.83 rate · balance €18,190.83After 47 months: €1,625.42 rate · balance €18,225.42After 48 months: €1,660.00 rate · balance €18,260.00After 49 months: €1,694.58 rate · balance €18,294.58After 50 months: €1,729.17 rate · balance €18,329.17After 51 months: €1,763.75 rate · balance €18,363.75After 52 months: €1,798.33 rate · balance €18,398.33After 53 months: €1,832.91 rate · balance €18,432.91After 54 months: €1,867.50 rate · balance €18,467.50After 55 months: €1,902.08 rate · balance €18,502.08After 56 months: €1,936.66 rate · balance €18,536.66After 57 months: €1,971.25 rate · balance €18,571.25After 58 months: €2,005.83 rate · balance €18,605.83After 59 months: €2,040.41 rate · balance €18,640.41After 60 months: €2,075.00 rate · balance €18,675.00After 61 months: €2,109.58 rate · balance €18,709.58After 62 months: €2,144.16 rate · balance €18,744.16After 63 months: €2,178.75 rate · balance €18,778.75After 64 months: €2,213.33 rate · balance €18,813.33After 65 months: €2,247.91 rate · balance €18,847.91After 66 months: €2,282.50 rate · balance €18,882.50After 67 months: €2,317.08 rate · balance €18,917.08After 68 months: €2,351.66 rate · balance €18,951.66After 69 months: €2,386.25 rate · balance €18,986.25After 70 months: €2,420.83 rate · balance €19,020.83After 71 months: €2,455.41 rate · balance €19,055.41After 72 months: €2,490.00 rate · balance €19,090.00After 73 months: €2,524.58 rate · balance €19,124.58After 74 months: €2,559.16 rate · balance €19,159.16After 75 months: €2,593.75 rate · balance €19,193.75After 76 months: €2,628.33 rate · balance €19,228.33After 77 months: €2,662.91 rate · balance €19,262.91After 78 months: €2,697.50 rate · balance €19,297.50After 79 months: €2,732.08 rate · balance €19,332.08After 80 months: €2,766.66 rate · balance €19,366.66After 81 months: €2,801.25 rate · balance €19,401.25After 82 months: €2,835.83 rate · balance €19,435.83After 83 months: €2,870.41 rate · balance €19,470.41After 84 months: €2,905.00 rate · balance €19,505.00
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs€2,905After 1 month: €34.58 rate · balance €16,634.58After 2 months: €69.17 rate · balance €16,669.17After 3 months: €103.75 rate · balance €16,703.75After 4 months: €138.33 rate · balance €16,738.33After 5 months: €172.92 rate · balance €16,772.92After 6 months: €207.50 rate · balance €16,807.50After 7 months: €242.08 rate · balance €16,842.08After 8 months: €276.67 rate · balance €16,876.67After 9 months: €311.25 rate · balance €16,911.25After 10 months: €345.83 rate · balance €16,945.83After 11 months: €380.42 rate · balance €16,980.42After 12 months: €415.00 rate · balance €17,015.00After 13 months: €449.58 rate · balance €17,049.58After 14 months: €484.17 rate · balance €17,084.17After 15 months: €518.75 rate · balance €17,118.75After 16 months: €553.33 rate · balance €17,153.33After 17 months: €587.92 rate · balance €17,187.92After 18 months: €622.50 rate · balance €17,222.50After 19 months: €657.08 rate · balance €17,257.08After 20 months: €691.67 rate · balance €17,291.67After 21 months: €726.25 rate · balance €17,326.25After 22 months: €760.83 rate · balance €17,360.83After 23 months: €795.42 rate · balance €17,395.42After 24 months: €830.00 rate · balance €17,430.00After 25 months: €864.58 rate · balance €17,464.58After 26 months: €899.17 rate · balance €17,499.17After 27 months: €933.75 rate · balance €17,533.75After 28 months: €968.33 rate · balance €17,568.33After 29 months: €1,002.92 rate · balance €17,602.92After 30 months: €1,037.50 rate · balance €17,637.50After 31 months: €1,072.08 rate · balance €17,672.08After 32 months: €1,106.67 rate · balance €17,706.67After 33 months: €1,141.25 rate · balance €17,741.25After 34 months: €1,175.83 rate · balance €17,775.83After 35 months: €1,210.42 rate · balance €17,810.42After 36 months: €1,245.00 rate · balance €17,845.00After 37 months: €1,279.58 rate · balance €17,879.58After 38 months: €1,314.17 rate · balance €17,914.17After 39 months: €1,348.75 rate · balance €17,948.75After 40 months: €1,383.33 rate · balance €17,983.33After 41 months: €1,417.92 rate · balance €18,017.92After 42 months: €1,452.50 rate · balance €18,052.50After 43 months: €1,487.08 rate · balance €18,087.08After 44 months: €1,521.67 rate · balance €18,121.67After 45 months: €1,556.25 rate · balance €18,156.25After 46 months: €1,590.83 rate · balance €18,190.83After 47 months: €1,625.42 rate · balance €18,225.42After 48 months: €1,660.00 rate · balance €18,260.00After 49 months: €1,694.58 rate · balance €18,294.58After 50 months: €1,729.17 rate · balance €18,329.17After 51 months: €1,763.75 rate · balance €18,363.75After 52 months: €1,798.33 rate · balance €18,398.33After 53 months: €1,832.91 rate · balance €18,432.91After 54 months: €1,867.50 rate · balance €18,467.50After 55 months: €1,902.08 rate · balance €18,502.08After 56 months: €1,936.66 rate · balance €18,536.66After 57 months: €1,971.25 rate · balance €18,571.25After 58 months: €2,005.83 rate · balance €18,605.83After 59 months: €2,040.41 rate · balance €18,640.41After 60 months: €2,075.00 rate · balance €18,675.00After 61 months: €2,109.58 rate · balance €18,709.58After 62 months: €2,144.16 rate · balance €18,744.16After 63 months: €2,178.75 rate · balance €18,778.75After 64 months: €2,213.33 rate · balance €18,813.33After 65 months: €2,247.91 rate · balance €18,847.91After 66 months: €2,282.50 rate · balance €18,882.50After 67 months: €2,317.08 rate · balance €18,917.08After 68 months: €2,351.66 rate · balance €18,951.66After 69 months: €2,386.25 rate · balance €18,986.25After 70 months: €2,420.83 rate · balance €19,020.83After 71 months: €2,455.41 rate · balance €19,055.41After 72 months: €2,490.00 rate · balance €19,090.00After 73 months: €2,524.58 rate · balance €19,124.58After 74 months: €2,559.16 rate · balance €19,159.16After 75 months: €2,593.75 rate · balance €19,193.75After 76 months: €2,628.33 rate · balance €19,228.33After 77 months: €2,662.91 rate · balance €19,262.91After 78 months: €2,697.50 rate · balance €19,297.50After 79 months: €2,732.08 rate · balance €19,332.08After 80 months: €2,766.66 rate · balance €19,366.66After 81 months: €2,801.25 rate · balance €19,401.25After 82 months: €2,835.83 rate · balance €19,435.83After 83 months: €2,870.41 rate · balance €19,470.41After 84 months: €2,905.00 rate · balance €19,505.00
Per year
AfterInterest up to thenBalance
1 year€415€17,015
2 years€830€17,430
3 years€1,245€17,845
4 years€1,660€18,260
5 years€2,075€18,675
6 years€2,490€19,090
7 years€2,905€19,505

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.

2.60%
10 years · 2.90% · Direct