Nationale-NederlandenInternetsparen
Instant access · Nationale-Nederlanden Bank N.V. · Netherlands · Directly at the bank
- Rate
- 1.70%
- variable
- since 2 Nov 2026
- EffectiveThe effective annual rate for €50,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The rate differs per balance tier.
- 1.53%
- for €50,000
- Your return on €50,000
- €765
- interest per year
- Deposit guarantee
- €50,000 fully protectedDutch scheme
Nationale-Nederlanden Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 1 year: €765.
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 – €10,000 | 1.70% |
| €10,000 – €25,000 | 1.55% |
| €25,000 – €100,000 | 1.45% |
| €100,000 – and up | 1.30% |
- Tiers
- per tier (marginal)
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- 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
Deposit guarantee
€50,000 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 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
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
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 · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 2 Nov 2026 | 1.70% | current |
| 27 Oct 2026 | 1.50% | 2 Nov 2026 |
| 14 Oct 2026 | 2.50% | 27 Oct 2026 |
| 28 Sep 2026 | 2.30% | 14 Oct 2026 |
| 15 Sep 2026 | 2.30% | 28 Sep 2026 |
| 2 Sep 2026 | 1.30% | 15 Sep 2026 |
| 15 Oct 2025 | 1.30% | 2 Sep 2026web archive |
| 27 Mar 2025 | 1.75% | 15 Oct 2025web archive |
| 3 Dec 2023 | 2.00% | 27 Mar 2025web archive |
| 4 Jun 2023 | 1.10% | 3 Dec 2023web archive |
| 11 Apr 2023 | 0.65% | 4 Jun 2023web archive |
| 4 Feb 2023 | 0.35% | 11 Apr 2023web archive |
| 29 Sep 2022 | 0.00% | 4 Feb 2023web archive |
| 22 Jun 2021 | 0.50% | 29 Sep 2022web archive |
All historic rates of Nationale-Nederlanden →All savings products of Nationale-Nederlanden →
- 2 Nov 2026Nationale-Nederlanden – Internetsparen: 1.50% → 1.70%
- 27 Oct 2026Nationale-Nederlanden – Internetsparen: 1.70% announced from 2026-11-02 (now 2.50%)
- 27 Oct 2026Nationale-Nederlanden – Internetsparen: promotional rate 2.50% ended; the rate is now 1.50%
- 14 Oct 2026Nationale-Nederlanden – Internetsparen: base rate 1.30% → 1.50%
- 14 Oct 2026Nationale-Nederlanden – Internetsparen: promotional rate 2.30% → 2.50% (base rate 1.50%)
- 28 Sep 2026Nationale-Nederlanden – Internetsparen: rate structure/conditions changed
- 15 Sep 2026Nationale-Nederlanden – Internetsparen: promotional rate 2.30% started
- 15 Sep 2026Nationale-Nederlanden – Internetsparen: 1.30% → 2.30%
Rate checked on 2 Nov 2026.