Nationale-NederlandenInternetsparen
Instant access · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
Promotional rateNew customers only
- Promotional rate
- 2.30%
- then 1.30%
- since 15 Sep 2026
- EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The promotional rate applies for until 2026-12-31 on at most €50,000; after that 1.30%. The rate differs per balance tier.
- 1.59%
- for €16,800
- Your return on €16,800
- €267
- interest per year
- Deposit guarantee
- €16,800 fully protectedDutch scheme
Nationale-Nederlanden Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €16,800
Gross interest over 1 year: €267.
Existing customers do not get the promotional rate: 1.30% → €218 over 1 year.
In the calculation: 3.45 months promotional rate (€111.14), then the base rate.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – €25,000 | 1.30% |
| €25,000 – €100,000 | 1.20% |
| €100,000 – and up | 1.10% |
- Tiers
- per tier (marginal)
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
Promotion conditions
- Promotional rate 2.30% until 31 Dec 2026 on at most €50,000
- New customers only
- Welkomstactie: 1% extra rente bovenop de standaard variabele rente (samen tot 2,30%) over het saldo tot € 50.000, tot en met 31-12-2026, voor een internetspaarrekening geopend uiterlijk 31-10-2026 door wie in de zes maanden ervoor geen internetspaarrekening bij NN had; daarna de standaard rente.
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- unknown
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Elk deel van het saldo heeft zijn eigen rentepercentage (saldoklassen), per internetspaarrekening
- Maximaal twee internetspaarrekeningen per klant
- De extra actierente komt bovenop de rente van elke saldoklasse; de actierente hier is de eerste saldoklasse plus de extra rente
Deposit guarantee
€16,800 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 depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
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.