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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 €25,000
€638
per year, annualised · €5,100 total over 8 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 8 years: €5,100.
Interest built up over 8 years
€ 0€ 2k€ 4kstart3 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

€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 2024now2.55%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% · Direct9 years · · Direct
€5,100After 1 month: €53.13 rate · balance €25,053.13After 2 months: €106.25 rate · balance €25,106.25After 3 months: €159.38 rate · balance €25,159.38After 4 months: €212.50 rate · balance €25,212.50After 5 months: €265.63 rate · balance €25,265.63After 6 months: €318.75 rate · balance €25,318.75After 7 months: €371.88 rate · balance €25,371.88After 8 months: €425 rate · balance €25,425After 9 months: €478.13 rate · balance €25,478.13After 10 months: €531.25 rate · balance €25,531.25After 11 months: €584.38 rate · balance €25,584.38After 12 months: €637.50 rate · balance €25,637.50After 13 months: €690.63 rate · balance €25,690.63After 14 months: €743.75 rate · balance €25,743.75After 15 months: €796.88 rate · balance €25,796.88After 16 months: €850 rate · balance €25,850After 17 months: €903.13 rate · balance €25,903.13After 18 months: €956.25 rate · balance €25,956.25After 19 months: €1,009.38 rate · balance €26,009.38After 20 months: €1,062.50 rate · balance €26,062.50After 21 months: €1,115.63 rate · balance €26,115.63After 22 months: €1,168.75 rate · balance €26,168.75After 23 months: €1,221.88 rate · balance €26,221.88After 24 months: €1,275 rate · balance €26,275After 25 months: €1,328.13 rate · balance €26,328.13After 26 months: €1,381.25 rate · balance €26,381.25After 27 months: €1,434.38 rate · balance €26,434.38After 28 months: €1,487.50 rate · balance €26,487.50After 29 months: €1,540.63 rate · balance €26,540.63After 30 months: €1,593.75 rate · balance €26,593.75After 31 months: €1,646.88 rate · balance €26,646.88After 32 months: €1,700 rate · balance €26,700After 33 months: €1,753.13 rate · balance €26,753.13After 34 months: €1,806.25 rate · balance €26,806.25After 35 months: €1,859.38 rate · balance €26,859.38After 36 months: €1,912.50 rate · balance €26,912.50After 37 months: €1,965.63 rate · balance €26,965.63After 38 months: €2,018.75 rate · balance €27,018.75After 39 months: €2,071.88 rate · balance €27,071.88After 40 months: €2,125 rate · balance €27,125After 41 months: €2,178.13 rate · balance €27,178.13After 42 months: €2,231.25 rate · balance €27,231.25After 43 months: €2,284.38 rate · balance €27,284.38After 44 months: €2,337.50 rate · balance €27,337.50After 45 months: €2,390.63 rate · balance €27,390.63After 46 months: €2,443.75 rate · balance €27,443.75After 47 months: €2,496.88 rate · balance €27,496.88After 48 months: €2,550 rate · balance €27,550After 49 months: €2,603.13 rate · balance €27,603.13After 50 months: €2,656.25 rate · balance €27,656.25After 51 months: €2,709.38 rate · balance €27,709.38After 52 months: €2,762.50 rate · balance €27,762.50After 53 months: €2,815.63 rate · balance €27,815.63After 54 months: €2,868.75 rate · balance €27,868.75After 55 months: €2,921.88 rate · balance €27,921.88After 56 months: €2,975 rate · balance €27,975After 57 months: €3,028.13 rate · balance €28,028.13After 58 months: €3,081.25 rate · balance €28,081.25After 59 months: €3,134.38 rate · balance €28,134.38After 60 months: €3,187.50 rate · balance €28,187.50After 61 months: €3,240.63 rate · balance €28,240.63After 62 months: €3,293.75 rate · balance €28,293.75After 63 months: €3,346.88 rate · balance €28,346.88After 64 months: €3,400 rate · balance €28,400After 65 months: €3,453.13 rate · balance €28,453.13After 66 months: €3,506.25 rate · balance €28,506.25After 67 months: €3,559.38 rate · balance €28,559.38After 68 months: €3,612.50 rate · balance €28,612.50After 69 months: €3,665.63 rate · balance €28,665.63After 70 months: €3,718.75 rate · balance €28,718.75After 71 months: €3,771.88 rate · balance €28,771.88After 72 months: €3,825 rate · balance €28,825After 73 months: €3,878.13 rate · balance €28,878.13After 74 months: €3,931.25 rate · balance €28,931.25After 75 months: €3,984.38 rate · balance €28,984.38After 76 months: €4,037.50 rate · balance €29,037.50After 77 months: €4,090.63 rate · balance €29,090.63After 78 months: €4,143.75 rate · balance €29,143.75After 79 months: €4,196.88 rate · balance €29,196.88After 80 months: €4,250 rate · balance €29,250After 81 months: €4,303.13 rate · balance €29,303.13After 82 months: €4,356.25 rate · balance €29,356.25After 83 months: €4,409.38 rate · balance €29,409.38After 84 months: €4,462.50 rate · balance €29,462.50After 85 months: €4,515.63 rate · balance €29,515.63After 86 months: €4,568.75 rate · balance €29,568.75After 87 months: €4,621.88 rate · balance €29,621.88After 88 months: €4,675 rate · balance €29,675After 89 months: €4,728.13 rate · balance €29,728.13After 90 months: €4,781.25 rate · balance €29,781.25After 91 months: €4,834.38 rate · balance €29,834.38After 92 months: €4,887.50 rate · balance €29,887.50After 93 months: €4,940.63 rate · balance €29,940.63After 94 months: €4,993.75 rate · balance €29,993.75After 95 months: €5,046.88 rate · balance €30,046.88After 96 months: €5,100 rate · balance €30,100
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs€5,100After 1 month: €53.13 rate · balance €25,053.13After 2 months: €106.25 rate · balance €25,106.25After 3 months: €159.38 rate · balance €25,159.38After 4 months: €212.50 rate · balance €25,212.50After 5 months: €265.63 rate · balance €25,265.63After 6 months: €318.75 rate · balance €25,318.75After 7 months: €371.88 rate · balance €25,371.88After 8 months: €425 rate · balance €25,425After 9 months: €478.13 rate · balance €25,478.13After 10 months: €531.25 rate · balance €25,531.25After 11 months: €584.38 rate · balance €25,584.38After 12 months: €637.50 rate · balance €25,637.50After 13 months: €690.63 rate · balance €25,690.63After 14 months: €743.75 rate · balance €25,743.75After 15 months: €796.88 rate · balance €25,796.88After 16 months: €850 rate · balance €25,850After 17 months: €903.13 rate · balance €25,903.13After 18 months: €956.25 rate · balance €25,956.25After 19 months: €1,009.38 rate · balance €26,009.38After 20 months: €1,062.50 rate · balance €26,062.50After 21 months: €1,115.63 rate · balance €26,115.63After 22 months: €1,168.75 rate · balance €26,168.75After 23 months: €1,221.88 rate · balance €26,221.88After 24 months: €1,275 rate · balance €26,275After 25 months: €1,328.13 rate · balance €26,328.13After 26 months: €1,381.25 rate · balance €26,381.25After 27 months: €1,434.38 rate · balance €26,434.38After 28 months: €1,487.50 rate · balance €26,487.50After 29 months: €1,540.63 rate · balance €26,540.63After 30 months: €1,593.75 rate · balance €26,593.75After 31 months: €1,646.88 rate · balance €26,646.88After 32 months: €1,700 rate · balance €26,700After 33 months: €1,753.13 rate · balance €26,753.13After 34 months: €1,806.25 rate · balance €26,806.25After 35 months: €1,859.38 rate · balance €26,859.38After 36 months: €1,912.50 rate · balance €26,912.50After 37 months: €1,965.63 rate · balance €26,965.63After 38 months: €2,018.75 rate · balance €27,018.75After 39 months: €2,071.88 rate · balance €27,071.88After 40 months: €2,125 rate · balance €27,125After 41 months: €2,178.13 rate · balance €27,178.13After 42 months: €2,231.25 rate · balance €27,231.25After 43 months: €2,284.38 rate · balance €27,284.38After 44 months: €2,337.50 rate · balance €27,337.50After 45 months: €2,390.63 rate · balance €27,390.63After 46 months: €2,443.75 rate · balance €27,443.75After 47 months: €2,496.88 rate · balance €27,496.88After 48 months: €2,550 rate · balance €27,550After 49 months: €2,603.13 rate · balance €27,603.13After 50 months: €2,656.25 rate · balance €27,656.25After 51 months: €2,709.38 rate · balance €27,709.38After 52 months: €2,762.50 rate · balance €27,762.50After 53 months: €2,815.63 rate · balance €27,815.63After 54 months: €2,868.75 rate · balance €27,868.75After 55 months: €2,921.88 rate · balance €27,921.88After 56 months: €2,975 rate · balance €27,975After 57 months: €3,028.13 rate · balance €28,028.13After 58 months: €3,081.25 rate · balance €28,081.25After 59 months: €3,134.38 rate · balance €28,134.38After 60 months: €3,187.50 rate · balance €28,187.50After 61 months: €3,240.63 rate · balance €28,240.63After 62 months: €3,293.75 rate · balance €28,293.75After 63 months: €3,346.88 rate · balance €28,346.88After 64 months: €3,400 rate · balance €28,400After 65 months: €3,453.13 rate · balance €28,453.13After 66 months: €3,506.25 rate · balance €28,506.25After 67 months: €3,559.38 rate · balance €28,559.38After 68 months: €3,612.50 rate · balance €28,612.50After 69 months: €3,665.63 rate · balance €28,665.63After 70 months: €3,718.75 rate · balance €28,718.75After 71 months: €3,771.88 rate · balance €28,771.88After 72 months: €3,825 rate · balance €28,825After 73 months: €3,878.13 rate · balance €28,878.13After 74 months: €3,931.25 rate · balance €28,931.25After 75 months: €3,984.38 rate · balance €28,984.38After 76 months: €4,037.50 rate · balance €29,037.50After 77 months: €4,090.63 rate · balance €29,090.63After 78 months: €4,143.75 rate · balance €29,143.75After 79 months: €4,196.88 rate · balance €29,196.88After 80 months: €4,250 rate · balance €29,250After 81 months: €4,303.13 rate · balance €29,303.13After 82 months: €4,356.25 rate · balance €29,356.25After 83 months: €4,409.38 rate · balance €29,409.38After 84 months: €4,462.50 rate · balance €29,462.50After 85 months: €4,515.63 rate · balance €29,515.63After 86 months: €4,568.75 rate · balance €29,568.75After 87 months: €4,621.88 rate · balance €29,621.88After 88 months: €4,675 rate · balance €29,675After 89 months: €4,728.13 rate · balance €29,728.13After 90 months: €4,781.25 rate · balance €29,781.25After 91 months: €4,834.38 rate · balance €29,834.38After 92 months: €4,887.50 rate · balance €29,887.50After 93 months: €4,940.63 rate · balance €29,940.63After 94 months: €4,993.75 rate · balance €29,993.75After 95 months: €5,046.88 rate · balance €30,046.88After 96 months: €5,100 rate · balance €30,100
Per year
AfterInterest up to thenBalance
1 year€638€25,638
2 years€1,275€26,275
3 years€1,913€26,913
4 years€2,550€27,550
5 years€3,188€28,188
6 years€3,825€28,825
7 years€4,463€29,463
8 years€5,100€30,100

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 18 Sep 2026.

2.60%
10 years · 2.90% · Direct