NIBCSpaarrekening
Instant access · NIBC Bank N.V. · Netherlands · Directly at the bank
- Rate
- 1.55%
- variable
- 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. Interest is compounded during the term and earns interest on interest.
- 1.56%
- for €16,800
- Your return on €16,800
- €262
- interest per year
- Deposit guarantee
- €16,800 fully protectedDutch scheme
NIBC Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €16,800
Gross interest over 1 year: €262.
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 – and up | 1.55% |
- Interest payout
- monthly, 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
- Rente wordt maandelijks berekend en in de eerste week van de volgende maand bijgeschreven
Deposit guarantee
€16,800 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 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.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Rate history
1.55% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of NIBC →All savings products of NIBC →
- 15 Sep 2026NIBC – NIBC Spaarrekening: limits changed (min –→0, max –→–, rate cap –→–)
- 2 Sep 2026New: NIBC – NIBC Spaarrekening 1.55%
Rate checked on 18 Sep 2026.