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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 €25,000
€625
per year, annualised · €4,375 total over 7 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 7 years: €4,375.
Interest built up over 7 years
€ 0€ 2k€ 4kstart2 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

€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 2024now2.50%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
€4,375After 1 month: €52.08 rate · balance €25,052.08After 2 months: €104.17 rate · balance €25,104.17After 3 months: €156.25 rate · balance €25,156.25After 4 months: €208.33 rate · balance €25,208.33After 5 months: €260.42 rate · balance €25,260.42After 6 months: €312.50 rate · balance €25,312.50After 7 months: €364.58 rate · balance €25,364.58After 8 months: €416.67 rate · balance €25,416.67After 9 months: €468.75 rate · balance €25,468.75After 10 months: €520.83 rate · balance €25,520.83After 11 months: €572.92 rate · balance €25,572.92After 12 months: €625.00 rate · balance €25,625.00After 13 months: €677.08 rate · balance €25,677.08After 14 months: €729.17 rate · balance €25,729.17After 15 months: €781.25 rate · balance €25,781.25After 16 months: €833.33 rate · balance €25,833.33After 17 months: €885.42 rate · balance €25,885.42After 18 months: €937.50 rate · balance €25,937.50After 19 months: €989.58 rate · balance €25,989.58After 20 months: €1,041.67 rate · balance €26,041.67After 21 months: €1,093.75 rate · balance €26,093.75After 22 months: €1,145.83 rate · balance €26,145.83After 23 months: €1,197.92 rate · balance €26,197.92After 24 months: €1,250.00 rate · balance €26,250.00After 25 months: €1,302.08 rate · balance €26,302.08After 26 months: €1,354.17 rate · balance €26,354.17After 27 months: €1,406.25 rate · balance €26,406.25After 28 months: €1,458.33 rate · balance €26,458.33After 29 months: €1,510.42 rate · balance €26,510.42After 30 months: €1,562.50 rate · balance €26,562.50After 31 months: €1,614.58 rate · balance €26,614.58After 32 months: €1,666.67 rate · balance €26,666.67After 33 months: €1,718.75 rate · balance €26,718.75After 34 months: €1,770.83 rate · balance €26,770.83After 35 months: €1,822.92 rate · balance €26,822.92After 36 months: €1,875.00 rate · balance €26,875.00After 37 months: €1,927.08 rate · balance €26,927.08After 38 months: €1,979.17 rate · balance €26,979.17After 39 months: €2,031.25 rate · balance €27,031.25After 40 months: €2,083.33 rate · balance €27,083.33After 41 months: €2,135.42 rate · balance €27,135.42After 42 months: €2,187.50 rate · balance €27,187.50After 43 months: €2,239.58 rate · balance €27,239.58After 44 months: €2,291.67 rate · balance €27,291.67After 45 months: €2,343.75 rate · balance €27,343.75After 46 months: €2,395.83 rate · balance €27,395.83After 47 months: €2,447.92 rate · balance €27,447.92After 48 months: €2,500.00 rate · balance €27,500.00After 49 months: €2,552.08 rate · balance €27,552.08After 50 months: €2,604.16 rate · balance €27,604.16After 51 months: €2,656.25 rate · balance €27,656.25After 52 months: €2,708.33 rate · balance €27,708.33After 53 months: €2,760.41 rate · balance €27,760.41After 54 months: €2,812.50 rate · balance €27,812.50After 55 months: €2,864.58 rate · balance €27,864.58After 56 months: €2,916.66 rate · balance €27,916.66After 57 months: €2,968.75 rate · balance €27,968.75After 58 months: €3,020.83 rate · balance €28,020.83After 59 months: €3,072.91 rate · balance €28,072.91After 60 months: €3,125.00 rate · balance €28,125.00After 61 months: €3,177.08 rate · balance €28,177.08After 62 months: €3,229.16 rate · balance €28,229.16After 63 months: €3,281.25 rate · balance €28,281.25After 64 months: €3,333.33 rate · balance €28,333.33After 65 months: €3,385.41 rate · balance €28,385.41After 66 months: €3,437.50 rate · balance €28,437.50After 67 months: €3,489.58 rate · balance €28,489.58After 68 months: €3,541.66 rate · balance €28,541.66After 69 months: €3,593.75 rate · balance €28,593.75After 70 months: €3,645.83 rate · balance €28,645.83After 71 months: €3,697.91 rate · balance €28,697.91After 72 months: €3,750.00 rate · balance €28,750.00After 73 months: €3,802.08 rate · balance €28,802.08After 74 months: €3,854.16 rate · balance €28,854.16After 75 months: €3,906.25 rate · balance €28,906.25After 76 months: €3,958.33 rate · balance €28,958.33After 77 months: €4,010.41 rate · balance €29,010.41After 78 months: €4,062.50 rate · balance €29,062.50After 79 months: €4,114.58 rate · balance €29,114.58After 80 months: €4,166.66 rate · balance €29,166.66After 81 months: €4,218.75 rate · balance €29,218.75After 82 months: €4,270.83 rate · balance €29,270.83After 83 months: €4,322.91 rate · balance €29,322.91After 84 months: €4,375.00 rate · balance €29,375.00
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs€4,375After 1 month: €52.08 rate · balance €25,052.08After 2 months: €104.17 rate · balance €25,104.17After 3 months: €156.25 rate · balance €25,156.25After 4 months: €208.33 rate · balance €25,208.33After 5 months: €260.42 rate · balance €25,260.42After 6 months: €312.50 rate · balance €25,312.50After 7 months: €364.58 rate · balance €25,364.58After 8 months: €416.67 rate · balance €25,416.67After 9 months: €468.75 rate · balance €25,468.75After 10 months: €520.83 rate · balance €25,520.83After 11 months: €572.92 rate · balance €25,572.92After 12 months: €625.00 rate · balance €25,625.00After 13 months: €677.08 rate · balance €25,677.08After 14 months: €729.17 rate · balance €25,729.17After 15 months: €781.25 rate · balance €25,781.25After 16 months: €833.33 rate · balance €25,833.33After 17 months: €885.42 rate · balance €25,885.42After 18 months: €937.50 rate · balance €25,937.50After 19 months: €989.58 rate · balance €25,989.58After 20 months: €1,041.67 rate · balance €26,041.67After 21 months: €1,093.75 rate · balance €26,093.75After 22 months: €1,145.83 rate · balance €26,145.83After 23 months: €1,197.92 rate · balance €26,197.92After 24 months: €1,250.00 rate · balance €26,250.00After 25 months: €1,302.08 rate · balance €26,302.08After 26 months: €1,354.17 rate · balance €26,354.17After 27 months: €1,406.25 rate · balance €26,406.25After 28 months: €1,458.33 rate · balance €26,458.33After 29 months: €1,510.42 rate · balance €26,510.42After 30 months: €1,562.50 rate · balance €26,562.50After 31 months: €1,614.58 rate · balance €26,614.58After 32 months: €1,666.67 rate · balance €26,666.67After 33 months: €1,718.75 rate · balance €26,718.75After 34 months: €1,770.83 rate · balance €26,770.83After 35 months: €1,822.92 rate · balance €26,822.92After 36 months: €1,875.00 rate · balance €26,875.00After 37 months: €1,927.08 rate · balance €26,927.08After 38 months: €1,979.17 rate · balance €26,979.17After 39 months: €2,031.25 rate · balance €27,031.25After 40 months: €2,083.33 rate · balance €27,083.33After 41 months: €2,135.42 rate · balance €27,135.42After 42 months: €2,187.50 rate · balance €27,187.50After 43 months: €2,239.58 rate · balance €27,239.58After 44 months: €2,291.67 rate · balance €27,291.67After 45 months: €2,343.75 rate · balance €27,343.75After 46 months: €2,395.83 rate · balance €27,395.83After 47 months: €2,447.92 rate · balance €27,447.92After 48 months: €2,500.00 rate · balance €27,500.00After 49 months: €2,552.08 rate · balance €27,552.08After 50 months: €2,604.16 rate · balance €27,604.16After 51 months: €2,656.25 rate · balance €27,656.25After 52 months: €2,708.33 rate · balance €27,708.33After 53 months: €2,760.41 rate · balance €27,760.41After 54 months: €2,812.50 rate · balance €27,812.50After 55 months: €2,864.58 rate · balance €27,864.58After 56 months: €2,916.66 rate · balance €27,916.66After 57 months: €2,968.75 rate · balance €27,968.75After 58 months: €3,020.83 rate · balance €28,020.83After 59 months: €3,072.91 rate · balance €28,072.91After 60 months: €3,125.00 rate · balance €28,125.00After 61 months: €3,177.08 rate · balance €28,177.08After 62 months: €3,229.16 rate · balance €28,229.16After 63 months: €3,281.25 rate · balance €28,281.25After 64 months: €3,333.33 rate · balance €28,333.33After 65 months: €3,385.41 rate · balance €28,385.41After 66 months: €3,437.50 rate · balance €28,437.50After 67 months: €3,489.58 rate · balance €28,489.58After 68 months: €3,541.66 rate · balance €28,541.66After 69 months: €3,593.75 rate · balance €28,593.75After 70 months: €3,645.83 rate · balance €28,645.83After 71 months: €3,697.91 rate · balance €28,697.91After 72 months: €3,750.00 rate · balance €28,750.00After 73 months: €3,802.08 rate · balance €28,802.08After 74 months: €3,854.16 rate · balance €28,854.16After 75 months: €3,906.25 rate · balance €28,906.25After 76 months: €3,958.33 rate · balance €28,958.33After 77 months: €4,010.41 rate · balance €29,010.41After 78 months: €4,062.50 rate · balance €29,062.50After 79 months: €4,114.58 rate · balance €29,114.58After 80 months: €4,166.66 rate · balance €29,166.66After 81 months: €4,218.75 rate · balance €29,218.75After 82 months: €4,270.83 rate · balance €29,270.83After 83 months: €4,322.91 rate · balance €29,322.91After 84 months: €4,375.00 rate · balance €29,375.00
Per year
AfterInterest up to thenBalance
1 year€625€25,625
2 years€1,250€26,250
3 years€1,875€26,875
4 years€2,500€27,500
5 years€3,125€28,125
6 years€3,750€28,750
7 years€4,375€29,375

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