Spaarradar

NIBCKwartaalspaarrekening

Instant access · NIBC Bank N.V. · Netherlands · Directly at the bank
Open an account at NIBC
Rate
1.60%
variable
since 2 Sep 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. Interest is compounded during the term and earns interest on interest.
1.61%
for €50,000
Your return on €50,000
€805
interest per year
Deposit guarantee
€50,000 fully protected
Dutch scheme

NIBC Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €50,000

Gross interest over 1 year: €805.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 500start6 mo1 yr€805After 1 month: €66.67 rate · balance €50,066.67After 2 months: €133.33 rate · balance €50,133.33After 3 months: €200.00 rate · balance €50,200.00After 4 months: €266.93 rate · balance €50,266.93After 5 months: €333.87 rate · balance €50,333.87After 6 months: €400.80 rate · balance €50,400.80After 7 months: €468.00 rate · balance €50,468.00After 8 months: €535.20 rate · balance €50,535.20After 9 months: €602.40 rate · balance €50,602.40After 10 months: €669.87 rate · balance €50,669.87After 11 months: €737.34 rate · balance €50,737.34After 12 months: €804.81 rate · balance €50,804.81

Rate and conditions

BalanceRate
€0 – and up1.60%
Interest payout
quarterly, compounded (interest on interest)
Fees
none
Access
Instant access
Minimum deposit
none
Maximum deposit
not stated
Current account required
no
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • De spaarrente van de kwartaalspaarrekening bestaat uit een basisrente van 1,20% en een bonusrente van 0,40% Open nu een rekening Bekijk de spaaractie Tijdelijke actie: haal meer uit uw spaargeld Waarom genoegen nemen met een lagere rente? Voor een beperkte periode ontvangt u een aantrekkelijke actierente op een 6-, 9- of 12-maands termijndeposito.
  • De bonusrente geldt alleen over geld dat een heel kwartaal op de rekening staat; rente wordt per kwartaal uitgekeerd

Deposit guarantee

€50,000 fully protected
Dutch scheme

NIBC Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Licence and verification
Institution
NIBC 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
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

1.00%1.25%1.50%1.75%2.00%2.25%2.50%10 Dec 202421 Nov 2025now1.60%2.15% from 10 Dec 2024 until 15 Jan 20252.00% from 10 Dec 2024 until 15 Jan 20252.05% from 15 Jan 2025 until 19 Feb 20252.00% from 15 Jan 2025 until 19 Feb 20251.80% from 19 Feb 2025 until 28 Mar 20251.75% from 19 Feb 2025 until 28 Mar 20251.80% from 19 Feb 2025 until 28 Mar 20251.75% from 19 Feb 2025 until 28 Mar 20251.75% from 28 Mar 2025 until 19 May 20251.80% from 28 Mar 2025 until 19 May 20251.60% from 19 May 2025 until 5 Jun 20251.55% from 19 May 2025 until 5 Jun 20251.60% from 5 Jun 2025 until 16 Sep 20251.60% from 5 Jun 2025 until 16 Sep 20251.55% from 5 Jun 2025 until 16 Sep 20251.60% from 5 Jun 2025 until 16 Sep 20251.55% from 5 Jun 2025 until 16 Sep 20251.55% from 5 Jun 2025 until 16 Sep 20251.45% from 16 Sep 2025 until 25 Dec 20251.45% from 16 Sep 2025 until 25 Dec 20251.50% from 16 Sep 2025 until 25 Dec 20251.50% from 16 Sep 2025 until 25 Dec 20251.45% from 16 Sep 2025 until 25 Dec 20251.50% from 16 Sep 2025 until 25 Dec 20251.50% from 25 Dec 2025 until 16 Jan 20261.45% from 25 Dec 2025 until 16 Jan 20261.50% from 16 Jan 2026 until 11 Apr 20261.45% from 16 Jan 2026 until 11 Apr 20261.50% from 16 Jan 2026 until 11 Apr 20261.45% from 16 Jan 2026 until 11 Apr 20261.50% from 16 Jan 2026 until 11 Apr 20261.45% from 16 Jan 2026 until 11 Apr 20261.45% from 11 Apr 2026 until 4 Aug 20261.50% from 11 Apr 2026 until 4 Aug 20261.45% from 11 Apr 2026 until 4 Aug 20261.50% from 11 Apr 2026 until 4 Aug 20261.45% from 11 Apr 2026 until 4 Aug 20261.50% from 11 Apr 2026 until 4 Aug 20261.45% from 11 Apr 2026 until 4 Aug 20261.50% from 11 Apr 2026 until 4 Aug 20261.45% from 4 Aug 2026 until 2 Sep 20261.50% from 4 Aug 2026 until 2 Sep 20261.60% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20261.60%current
4 Aug 20261.45%2 Sep 2026web archive
4 Aug 20261.50%2 Sep 2026web archive
11 Apr 20261.45%4 Aug 2026web archive
11 Apr 20261.50%4 Aug 2026web archive
11 Apr 20261.45%4 Aug 2026web archive
11 Apr 20261.50%4 Aug 2026web archive
11 Apr 20261.45%4 Aug 2026web archive
11 Apr 20261.50%4 Aug 2026web archive
11 Apr 20261.45%4 Aug 2026web archive
11 Apr 20261.50%4 Aug 2026web archive
16 Jan 20261.50%11 Apr 2026web archive
16 Jan 20261.45%11 Apr 2026web archive
16 Jan 20261.50%11 Apr 2026web archive
16 Jan 20261.45%11 Apr 2026web archive
16 Jan 20261.50%11 Apr 2026web archive
16 Jan 20261.45%11 Apr 2026web archive
25 Dec 20251.50%16 Jan 2026web archive
25 Dec 20251.45%16 Jan 2026web archive
16 Sep 20251.45%25 Dec 2025web archive
16 Sep 20251.45%25 Dec 2025web archive
16 Sep 20251.50%25 Dec 2025web archive
16 Sep 20251.50%25 Dec 2025web archive
16 Sep 20251.45%25 Dec 2025web archive
16 Sep 20251.50%25 Dec 2025web archive
5 Jun 20251.60%16 Sep 2025web archive
5 Jun 20251.60%16 Sep 2025web archive
5 Jun 20251.55%16 Sep 2025web archive
5 Jun 20251.60%16 Sep 2025web archive
5 Jun 20251.55%16 Sep 2025web archive
5 Jun 20251.55%16 Sep 2025web archive
19 May 20251.60%5 Jun 2025web archive
19 May 20251.55%5 Jun 2025web archive
28 Mar 20251.75%19 May 2025web archive
28 Mar 20251.80%19 May 2025web archive
19 Feb 20251.80%28 Mar 2025web archive
19 Feb 20251.75%28 Mar 2025web archive
19 Feb 20251.80%28 Mar 2025web archive
19 Feb 20251.75%28 Mar 2025web archive
15 Jan 20252.05%19 Feb 2025web archive
15 Jan 20252.00%19 Feb 2025web archive
10 Dec 20242.15%15 Jan 2025web archive
10 Dec 20242.00%15 Jan 2025web archive

All historic rates of NIBC →All savings products of NIBC →

  • 6 Oct 2026NIBC – NIBC Kwartaalspaarrekening: conditions changed
  • 6 Oct 2026NIBC – NIBC Kwartaalspaarrekening: conditions changed
  • 15 Sep 2026NIBC – NIBC Kwartaalspaarrekening: limits changed (min –→0, max –→–, rate cap –→–)
  • 2 Sep 2026New: NIBC – NIBC Kwartaalspaarrekening 1.60%

Rate checked on 2 Nov 2026.

Other offers from NIBC

Instant access · 1.55% · Direct3 months · 2.01% · Direct6 months · 2.56% · Direct9 months · 2.61% · Direct1 year · 2.86% · Direct2 years · 2.61% · Direct3 years · 2.71% · Direct4 years · 2.71% · Direct5 years · 2.71% · Direct6 years · 2.71% · Direct7 years · 2.71% · Direct8 years · 2.71% · Direct9 years · 2.71% · Direct10 years · 3.11% · Direct