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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 · 8 years · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Open an account at Nationale-Nederlanden
Rate
2.55%
8 years fixed
since 2 Sep 2026
Your return on €100,000
€2,550
per year, annualised · €20,400 total over 8 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 8 years: €20,400.
Interest built up over 8 years
€ 0€ 10k€ 20kstart3 yrs6 yrs

Rate and conditions

BalanceRate
€0 – and up2.55%
Interest payout
yearly, paid out
Fees
none
Access
8 years fixed · early withdrawal with loss of interest
Term
8 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 2024now2.55%0.10% from 22 Jun 2021 until 13 Aug 20210.03% from 13 Aug 2021 until 18 May 20220.95% from 18 May 2022 until 29 Sep 20221.70% from 29 Sep 2022 until 4 Feb 20231.90% 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 20233.10% 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% · Direct7 years · 2.50% · Direct
€20,400After 1 month: €212.50 rate · balance €100,212.50After 2 months: €425 rate · balance €100,425After 3 months: €637.50 rate · balance €100,637.50After 4 months: €850 rate · balance €100,850After 5 months: €1,062.50 rate · balance €101,062.50After 6 months: €1,275 rate · balance €101,275After 7 months: €1,487.50 rate · balance €101,487.50After 8 months: €1,700 rate · balance €101,700After 9 months: €1,912.50 rate · balance €101,912.50After 10 months: €2,125 rate · balance €102,125After 11 months: €2,337.50 rate · balance €102,337.50After 12 months: €2,550 rate · balance €102,550After 13 months: €2,762.50 rate · balance €102,762.50After 14 months: €2,975 rate · balance €102,975After 15 months: €3,187.50 rate · balance €103,187.50After 16 months: €3,400 rate · balance €103,400After 17 months: €3,612.50 rate · balance €103,612.50After 18 months: €3,825 rate · balance €103,825After 19 months: €4,037.50 rate · balance €104,037.50After 20 months: €4,250 rate · balance €104,250After 21 months: €4,462.50 rate · balance €104,462.50After 22 months: €4,675 rate · balance €104,675After 23 months: €4,887.50 rate · balance €104,887.50After 24 months: €5,100 rate · balance €105,100After 25 months: €5,312.50 rate · balance €105,312.50After 26 months: €5,525 rate · balance €105,525After 27 months: €5,737.50 rate · balance €105,737.50After 28 months: €5,950 rate · balance €105,950After 29 months: €6,162.50 rate · balance €106,162.50After 30 months: €6,375 rate · balance €106,375After 31 months: €6,587.50 rate · balance €106,587.50After 32 months: €6,800 rate · balance €106,800After 33 months: €7,012.50 rate · balance €107,012.50After 34 months: €7,225 rate · balance €107,225After 35 months: €7,437.50 rate · balance €107,437.50After 36 months: €7,650 rate · balance €107,650After 37 months: €7,862.50 rate · balance €107,862.50After 38 months: €8,075 rate · balance €108,075After 39 months: €8,287.50 rate · balance €108,287.50After 40 months: €8,500 rate · balance €108,500After 41 months: €8,712.50 rate · balance €108,712.50After 42 months: €8,925 rate · balance €108,925After 43 months: €9,137.50 rate · balance €109,137.50After 44 months: €9,350 rate · balance €109,350After 45 months: €9,562.50 rate · balance €109,562.50After 46 months: €9,775 rate · balance €109,775After 47 months: €9,987.50 rate · balance €109,987.50After 48 months: €10,200 rate · balance €110,200After 49 months: €10,412.50 rate · balance €110,412.50After 50 months: €10,625 rate · balance €110,625After 51 months: €10,837.50 rate · balance €110,837.50After 52 months: €11,050 rate · balance €111,050After 53 months: €11,262.50 rate · balance €111,262.50After 54 months: €11,475 rate · balance €111,475After 55 months: €11,687.50 rate · balance €111,687.50After 56 months: €11,900 rate · balance €111,900After 57 months: €12,112.50 rate · balance €112,112.50After 58 months: €12,325 rate · balance €112,325After 59 months: €12,537.50 rate · balance €112,537.50After 60 months: €12,750 rate · balance €112,750After 61 months: €12,962.50 rate · balance €112,962.50After 62 months: €13,175 rate · balance €113,175After 63 months: €13,387.50 rate · balance €113,387.50After 64 months: €13,600 rate · balance €113,600After 65 months: €13,812.50 rate · balance €113,812.50After 66 months: €14,025 rate · balance €114,025After 67 months: €14,237.50 rate · balance €114,237.50After 68 months: €14,450 rate · balance €114,450After 69 months: €14,662.50 rate · balance €114,662.50After 70 months: €14,875 rate · balance €114,875After 71 months: €15,087.50 rate · balance €115,087.50After 72 months: €15,300 rate · balance €115,300After 73 months: €15,512.50 rate · balance €115,512.50After 74 months: €15,725 rate · balance €115,725After 75 months: €15,937.50 rate · balance €115,937.50After 76 months: €16,150 rate · balance €116,150After 77 months: €16,362.50 rate · balance €116,362.50After 78 months: €16,575 rate · balance €116,575After 79 months: €16,787.50 rate · balance €116,787.50After 80 months: €17,000 rate · balance €117,000After 81 months: €17,212.50 rate · balance €117,212.50After 82 months: €17,425 rate · balance €117,425After 83 months: €17,637.50 rate · balance €117,637.50After 84 months: €17,850 rate · balance €117,850After 85 months: €18,062.50 rate · balance €118,062.50After 86 months: €18,275 rate · balance €118,275After 87 months: €18,487.50 rate · balance €118,487.50After 88 months: €18,700 rate · balance €118,700After 89 months: €18,912.50 rate · balance €118,912.50After 90 months: €19,125 rate · balance €119,125After 91 months: €19,337.50 rate · balance €119,337.50After 92 months: €19,550 rate · balance €119,550After 93 months: €19,762.50 rate · balance €119,762.50After 94 months: €19,975 rate · balance €119,975After 95 months: €20,187.50 rate · balance €120,187.50After 96 months: €20,400 rate · balance €120,400
€ 0€ 10k€ 20kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs€20,400After 1 month: €212.50 rate · balance €100,212.50After 2 months: €425 rate · balance €100,425After 3 months: €637.50 rate · balance €100,637.50After 4 months: €850 rate · balance €100,850After 5 months: €1,062.50 rate · balance €101,062.50After 6 months: €1,275 rate · balance €101,275After 7 months: €1,487.50 rate · balance €101,487.50After 8 months: €1,700 rate · balance €101,700After 9 months: €1,912.50 rate · balance €101,912.50After 10 months: €2,125 rate · balance €102,125After 11 months: €2,337.50 rate · balance €102,337.50After 12 months: €2,550 rate · balance €102,550After 13 months: €2,762.50 rate · balance €102,762.50After 14 months: €2,975 rate · balance €102,975After 15 months: €3,187.50 rate · balance €103,187.50After 16 months: €3,400 rate · balance €103,400After 17 months: €3,612.50 rate · balance €103,612.50After 18 months: €3,825 rate · balance €103,825After 19 months: €4,037.50 rate · balance €104,037.50After 20 months: €4,250 rate · balance €104,250After 21 months: €4,462.50 rate · balance €104,462.50After 22 months: €4,675 rate · balance €104,675After 23 months: €4,887.50 rate · balance €104,887.50After 24 months: €5,100 rate · balance €105,100After 25 months: €5,312.50 rate · balance €105,312.50After 26 months: €5,525 rate · balance €105,525After 27 months: €5,737.50 rate · balance €105,737.50After 28 months: €5,950 rate · balance €105,950After 29 months: €6,162.50 rate · balance €106,162.50After 30 months: €6,375 rate · balance €106,375After 31 months: €6,587.50 rate · balance €106,587.50After 32 months: €6,800 rate · balance €106,800After 33 months: €7,012.50 rate · balance €107,012.50After 34 months: €7,225 rate · balance €107,225After 35 months: €7,437.50 rate · balance €107,437.50After 36 months: €7,650 rate · balance €107,650After 37 months: €7,862.50 rate · balance €107,862.50After 38 months: €8,075 rate · balance €108,075After 39 months: €8,287.50 rate · balance €108,287.50After 40 months: €8,500 rate · balance €108,500After 41 months: €8,712.50 rate · balance €108,712.50After 42 months: €8,925 rate · balance €108,925After 43 months: €9,137.50 rate · balance €109,137.50After 44 months: €9,350 rate · balance €109,350After 45 months: €9,562.50 rate · balance €109,562.50After 46 months: €9,775 rate · balance €109,775After 47 months: €9,987.50 rate · balance €109,987.50After 48 months: €10,200 rate · balance €110,200After 49 months: €10,412.50 rate · balance €110,412.50After 50 months: €10,625 rate · balance €110,625After 51 months: €10,837.50 rate · balance €110,837.50After 52 months: €11,050 rate · balance €111,050After 53 months: €11,262.50 rate · balance €111,262.50After 54 months: €11,475 rate · balance €111,475After 55 months: €11,687.50 rate · balance €111,687.50After 56 months: €11,900 rate · balance €111,900After 57 months: €12,112.50 rate · balance €112,112.50After 58 months: €12,325 rate · balance €112,325After 59 months: €12,537.50 rate · balance €112,537.50After 60 months: €12,750 rate · balance €112,750After 61 months: €12,962.50 rate · balance €112,962.50After 62 months: €13,175 rate · balance €113,175After 63 months: €13,387.50 rate · balance €113,387.50After 64 months: €13,600 rate · balance €113,600After 65 months: €13,812.50 rate · balance €113,812.50After 66 months: €14,025 rate · balance €114,025After 67 months: €14,237.50 rate · balance €114,237.50After 68 months: €14,450 rate · balance €114,450After 69 months: €14,662.50 rate · balance €114,662.50After 70 months: €14,875 rate · balance €114,875After 71 months: €15,087.50 rate · balance €115,087.50After 72 months: €15,300 rate · balance €115,300After 73 months: €15,512.50 rate · balance €115,512.50After 74 months: €15,725 rate · balance €115,725After 75 months: €15,937.50 rate · balance €115,937.50After 76 months: €16,150 rate · balance €116,150After 77 months: €16,362.50 rate · balance €116,362.50After 78 months: €16,575 rate · balance €116,575After 79 months: €16,787.50 rate · balance €116,787.50After 80 months: €17,000 rate · balance €117,000After 81 months: €17,212.50 rate · balance €117,212.50After 82 months: €17,425 rate · balance €117,425After 83 months: €17,637.50 rate · balance €117,637.50After 84 months: €17,850 rate · balance €117,850After 85 months: €18,062.50 rate · balance €118,062.50After 86 months: €18,275 rate · balance €118,275After 87 months: €18,487.50 rate · balance €118,487.50After 88 months: €18,700 rate · balance €118,700After 89 months: €18,912.50 rate · balance €118,912.50After 90 months: €19,125 rate · balance €119,125After 91 months: €19,337.50 rate · balance €119,337.50After 92 months: €19,550 rate · balance €119,550After 93 months: €19,762.50 rate · balance €119,762.50After 94 months: €19,975 rate · balance €119,975After 95 months: €20,187.50 rate · balance €120,187.50After 96 months: €20,400 rate · balance €120,400
Per year
AfterInterest up to thenBalance
1 year€2,550€102,550
2 years€5,100€105,100
3 years€7,650€107,650
4 years€10,200€110,200
5 years€12,750€112,750
6 years€15,300€115,300
7 years€17,850€117,850
8 years€20,400€120,400

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 20252.55% from 15 Oct 2025 until 2 Sep 20262.55% 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 2024now2.55%0.10% from 22 Jun 2021 until 13 Aug 20210.03% from 13 Aug 2021 until 18 May 20220.95% from 18 May 2022 until 29 Sep 20221.70% from 29 Sep 2022 until 4 Feb 20231.90% 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 20233.10% 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 20252.55% from 15 Oct 2025 until 2 Sep 20262.55% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.55%current
15 Oct 20252.55%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 20233.10%15 Apr 2024web archive
4 Jun 20232.50%3 Dec 2023web archive
11 Apr 20232.20%4 Jun 2023web archive
4 Feb 20231.90%11 Apr 2023web archive
29 Sep 20221.70%4 Feb 2023web archive
18 May 20220.95%29 Sep 2022web archive
13 Aug 20210.03%18 May 2022web archive
22 Jun 20210.10%13 Aug 2021web archive

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

  • 2 Sep 2026New: Nationale-Nederlanden – Depositosparen (96 mo) 2.55%

Rate checked on 19 Sep 2026.

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