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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 NIBC
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NIBCTermijndeposito

Deposit · 10 years · NIBC Bank N.V. · Netherlands · Directly at the bank
Open an account at NIBC
Rate
3.11%
10 years fixed
since 14 Sep 2026
Your return on €16,600
€516
per year, annualised · €5,163 total over 10 years
Deposit guarantee
€16,600 fully protected
Dutch scheme

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

Your calculation for €16,600

Gross interest over 10 years: €5,163.
Interest built up over 10 years
€ 0€ 2k€ 4kstart3 yrs6 yrs9 yrs

Rate and conditions

BalanceRate
€0 – and up3.11%
Interest payout
yearly, paid out
Fees
none
Access
10 years fixed · no early withdrawal
Term
10 years
Minimum deposit
€250
Maximum deposit
not stated
Current account required
no
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Alleen te openen naast een NIBC (Kwartaal)spaarrekening
  • Vervroegd beëindigen alleen bij echtscheiding, werkloosheid, arbeidsongeschiktheid of schuldsanering (kosteloos), of binnen 14 dagen bedenktijd
  • Rente wordt jaarlijks bijgeschreven op de NIBC Spaarrekening

Deposit guarantee

€16,600 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
Nederland kent geen bronbelasting op spaarrente.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Rate history

2.25%2.50%2.75%3.00%3.25%3.50%10 Dec 202430 Oct 2025now3.11%2.75% from 10 Dec 2024 until 15 Jan 20252.50% from 15 Jan 2025 until 11 Apr 20262.61% from 11 Apr 2026 until 4 Aug 20263.01% from 4 Aug 2026 until 2 Sep 20263.01% from 2 Sep 2026 until 14 Sep 20263.11% from 14 Sep 2026 until now
2.25%2.50%2.75%3.00%

Other offers from NIBC

Instant access · 1.60% · DirectInstant access · 1.55% · Direct3 months · 2.01% · Direct6 months · 2.26% · Direct9 months · 2.31% · Direct1 year · 2.56% · Direct2 years · 2.61% · Direct3 years · 2.71% · Direct4 years · 2.71% · Direct
€5,163After 1 month: €43.02 rate · balance €16,643.02After 2 months: €86.04 rate · balance €16,686.04After 3 months: €129.07 rate · balance €16,729.07After 4 months: €172.09 rate · balance €16,772.09After 5 months: €215.11 rate · balance €16,815.11After 6 months: €258.13 rate · balance €16,858.13After 7 months: €301.15 rate · balance €16,901.15After 8 months: €344.17 rate · balance €16,944.17After 9 months: €387.20 rate · balance €16,987.20After 10 months: €430.22 rate · balance €17,030.22After 11 months: €473.24 rate · balance €17,073.24After 12 months: €516.26 rate · balance €17,116.26After 13 months: €559.28 rate · balance €17,159.28After 14 months: €602.30 rate · balance €17,202.30After 15 months: €645.33 rate · balance €17,245.33After 16 months: €688.35 rate · balance €17,288.35After 17 months: €731.37 rate · balance €17,331.37After 18 months: €774.39 rate · balance €17,374.39After 19 months: €817.41 rate · balance €17,417.41After 20 months: €860.43 rate · balance €17,460.43After 21 months: €903.46 rate · balance €17,503.46After 22 months: €946.48 rate · balance €17,546.48After 23 months: €989.50 rate · balance €17,589.50After 24 months: €1,032.52 rate · balance €17,632.52After 25 months: €1,075.54 rate · balance €17,675.54After 26 months: €1,118.56 rate · balance €17,718.56After 27 months: €1,161.59 rate · balance €17,761.59After 28 months: €1,204.61 rate · balance €17,804.61After 29 months: €1,247.63 rate · balance €17,847.63After 30 months: €1,290.65 rate · balance €17,890.65After 31 months: €1,333.67 rate · balance €17,933.67After 32 months: €1,376.69 rate · balance €17,976.69After 33 months: €1,419.72 rate · balance €18,019.72After 34 months: €1,462.74 rate · balance €18,062.74After 35 months: €1,505.76 rate · balance €18,105.76After 36 months: €1,548.78 rate · balance €18,148.78After 37 months: €1,591.80 rate · balance €18,191.80After 38 months: €1,634.82 rate · balance €18,234.82After 39 months: €1,677.85 rate · balance €18,277.85After 40 months: €1,720.87 rate · balance €18,320.87After 41 months: €1,763.89 rate · balance €18,363.89After 42 months: €1,806.91 rate · balance €18,406.91After 43 months: €1,849.93 rate · balance €18,449.93After 44 months: €1,892.95 rate · balance €18,492.95After 45 months: €1,935.98 rate · balance €18,535.98After 46 months: €1,979.00 rate · balance €18,579.00After 47 months: €2,022.02 rate · balance €18,622.02After 48 months: €2,065.04 rate · balance €18,665.04After 49 months: €2,108.06 rate · balance €18,708.06After 50 months: €2,151.08 rate · balance €18,751.08After 51 months: €2,194.11 rate · balance €18,794.11After 52 months: €2,237.13 rate · balance €18,837.13After 53 months: €2,280.15 rate · balance €18,880.15After 54 months: €2,323.17 rate · balance €18,923.17After 55 months: €2,366.19 rate · balance €18,966.19After 56 months: €2,409.22 rate · balance €19,009.22After 57 months: €2,452.24 rate · balance €19,052.24After 58 months: €2,495.26 rate · balance €19,095.26After 59 months: €2,538.28 rate · balance €19,138.28After 60 months: €2,581.30 rate · balance €19,181.30After 61 months: €2,624.32 rate · balance €19,224.32After 62 months: €2,667.35 rate · balance €19,267.35After 63 months: €2,710.37 rate · balance €19,310.37After 64 months: €2,753.39 rate · balance €19,353.39After 65 months: €2,796.41 rate · balance €19,396.41After 66 months: €2,839.43 rate · balance €19,439.43After 67 months: €2,882.45 rate · balance €19,482.45After 68 months: €2,925.48 rate · balance €19,525.48After 69 months: €2,968.50 rate · balance €19,568.50After 70 months: €3,011.52 rate · balance €19,611.52After 71 months: €3,054.54 rate · balance €19,654.54After 72 months: €3,097.56 rate · balance €19,697.56After 73 months: €3,140.58 rate · balance €19,740.58After 74 months: €3,183.61 rate · balance €19,783.61After 75 months: €3,226.63 rate · balance €19,826.63After 76 months: €3,269.65 rate · balance €19,869.65After 77 months: €3,312.67 rate · balance €19,912.67After 78 months: €3,355.69 rate · balance €19,955.69After 79 months: €3,398.71 rate · balance €19,998.71After 80 months: €3,441.74 rate · balance €20,041.74After 81 months: €3,484.76 rate · balance €20,084.76After 82 months: €3,527.78 rate · balance €20,127.78After 83 months: €3,570.80 rate · balance €20,170.80After 84 months: €3,613.82 rate · balance €20,213.82After 85 months: €3,656.84 rate · balance €20,256.84After 86 months: €3,699.87 rate · balance €20,299.87After 87 months: €3,742.89 rate · balance €20,342.89After 88 months: €3,785.91 rate · balance €20,385.91After 89 months: €3,828.93 rate · balance €20,428.93After 90 months: €3,871.95 rate · balance €20,471.95After 91 months: €3,914.97 rate · balance €20,514.97After 92 months: €3,958.00 rate · balance €20,558.00After 93 months: €4,001.02 rate · balance €20,601.02After 94 months: €4,044.04 rate · balance €20,644.04After 95 months: €4,087.06 rate · balance €20,687.06After 96 months: €4,130.08 rate · balance €20,730.08After 97 months: €4,173.10 rate · balance €20,773.10After 98 months: €4,216.13 rate · balance €20,816.13After 99 months: €4,259.15 rate · balance €20,859.15After 100 months: €4,302.17 rate · balance €20,902.17After 101 months: €4,345.19 rate · balance €20,945.19After 102 months: €4,388.21 rate · balance €20,988.21After 103 months: €4,431.24 rate · balance €21,031.24After 104 months: €4,474.26 rate · balance €21,074.26After 105 months: €4,517.28 rate · balance €21,117.28After 106 months: €4,560.30 rate · balance €21,160.30After 107 months: €4,603.32 rate · balance €21,203.32After 108 months: €4,646.34 rate · balance €21,246.34After 109 months: €4,689.37 rate · balance €21,289.37After 110 months: €4,732.39 rate · balance €21,332.39After 111 months: €4,775.41 rate · balance €21,375.41After 112 months: €4,818.43 rate · balance €21,418.43After 113 months: €4,861.45 rate · balance €21,461.45After 114 months: €4,904.47 rate · balance €21,504.47After 115 months: €4,947.50 rate · balance €21,547.50After 116 months: €4,990.52 rate · balance €21,590.52After 117 months: €5,033.54 rate · balance €21,633.54After 118 months: €5,076.56 rate · balance €21,676.56After 119 months: €5,119.58 rate · balance €21,719.58After 120 months: €5,162.60 rate · balance €21,762.60
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs9 yrs10 yrs€5,163After 1 month: €43.02 rate · balance €16,643.02After 2 months: €86.04 rate · balance €16,686.04After 3 months: €129.07 rate · balance €16,729.07After 4 months: €172.09 rate · balance €16,772.09After 5 months: €215.11 rate · balance €16,815.11After 6 months: €258.13 rate · balance €16,858.13After 7 months: €301.15 rate · balance €16,901.15After 8 months: €344.17 rate · balance €16,944.17After 9 months: €387.20 rate · balance €16,987.20After 10 months: €430.22 rate · balance €17,030.22After 11 months: €473.24 rate · balance €17,073.24After 12 months: €516.26 rate · balance €17,116.26After 13 months: €559.28 rate · balance €17,159.28After 14 months: €602.30 rate · balance €17,202.30After 15 months: €645.33 rate · balance €17,245.33After 16 months: €688.35 rate · balance €17,288.35After 17 months: €731.37 rate · balance €17,331.37After 18 months: €774.39 rate · balance €17,374.39After 19 months: €817.41 rate · balance €17,417.41After 20 months: €860.43 rate · balance €17,460.43After 21 months: €903.46 rate · balance €17,503.46After 22 months: €946.48 rate · balance €17,546.48After 23 months: €989.50 rate · balance €17,589.50After 24 months: €1,032.52 rate · balance €17,632.52After 25 months: €1,075.54 rate · balance €17,675.54After 26 months: €1,118.56 rate · balance €17,718.56After 27 months: €1,161.59 rate · balance €17,761.59After 28 months: €1,204.61 rate · balance €17,804.61After 29 months: €1,247.63 rate · balance €17,847.63After 30 months: €1,290.65 rate · balance €17,890.65After 31 months: €1,333.67 rate · balance €17,933.67After 32 months: €1,376.69 rate · balance €17,976.69After 33 months: €1,419.72 rate · balance €18,019.72After 34 months: €1,462.74 rate · balance €18,062.74After 35 months: €1,505.76 rate · balance €18,105.76After 36 months: €1,548.78 rate · balance €18,148.78After 37 months: €1,591.80 rate · balance €18,191.80After 38 months: €1,634.82 rate · balance €18,234.82After 39 months: €1,677.85 rate · balance €18,277.85After 40 months: €1,720.87 rate · balance €18,320.87After 41 months: €1,763.89 rate · balance €18,363.89After 42 months: €1,806.91 rate · balance €18,406.91After 43 months: €1,849.93 rate · balance €18,449.93After 44 months: €1,892.95 rate · balance €18,492.95After 45 months: €1,935.98 rate · balance €18,535.98After 46 months: €1,979.00 rate · balance €18,579.00After 47 months: €2,022.02 rate · balance €18,622.02After 48 months: €2,065.04 rate · balance €18,665.04After 49 months: €2,108.06 rate · balance €18,708.06After 50 months: €2,151.08 rate · balance €18,751.08After 51 months: €2,194.11 rate · balance €18,794.11After 52 months: €2,237.13 rate · balance €18,837.13After 53 months: €2,280.15 rate · balance €18,880.15After 54 months: €2,323.17 rate · balance €18,923.17After 55 months: €2,366.19 rate · balance €18,966.19After 56 months: €2,409.22 rate · balance €19,009.22After 57 months: €2,452.24 rate · balance €19,052.24After 58 months: €2,495.26 rate · balance €19,095.26After 59 months: €2,538.28 rate · balance €19,138.28After 60 months: €2,581.30 rate · balance €19,181.30After 61 months: €2,624.32 rate · balance €19,224.32After 62 months: €2,667.35 rate · balance €19,267.35After 63 months: €2,710.37 rate · balance €19,310.37After 64 months: €2,753.39 rate · balance €19,353.39After 65 months: €2,796.41 rate · balance €19,396.41After 66 months: €2,839.43 rate · balance €19,439.43After 67 months: €2,882.45 rate · balance €19,482.45After 68 months: €2,925.48 rate · balance €19,525.48After 69 months: €2,968.50 rate · balance €19,568.50After 70 months: €3,011.52 rate · balance €19,611.52After 71 months: €3,054.54 rate · balance €19,654.54After 72 months: €3,097.56 rate · balance €19,697.56After 73 months: €3,140.58 rate · balance €19,740.58After 74 months: €3,183.61 rate · balance €19,783.61After 75 months: €3,226.63 rate · balance €19,826.63After 76 months: €3,269.65 rate · balance €19,869.65After 77 months: €3,312.67 rate · balance €19,912.67After 78 months: €3,355.69 rate · balance €19,955.69After 79 months: €3,398.71 rate · balance €19,998.71After 80 months: €3,441.74 rate · balance €20,041.74After 81 months: €3,484.76 rate · balance €20,084.76After 82 months: €3,527.78 rate · balance €20,127.78After 83 months: €3,570.80 rate · balance €20,170.80After 84 months: €3,613.82 rate · balance €20,213.82After 85 months: €3,656.84 rate · balance €20,256.84After 86 months: €3,699.87 rate · balance €20,299.87After 87 months: €3,742.89 rate · balance €20,342.89After 88 months: €3,785.91 rate · balance €20,385.91After 89 months: €3,828.93 rate · balance €20,428.93After 90 months: €3,871.95 rate · balance €20,471.95After 91 months: €3,914.97 rate · balance €20,514.97After 92 months: €3,958.00 rate · balance €20,558.00After 93 months: €4,001.02 rate · balance €20,601.02After 94 months: €4,044.04 rate · balance €20,644.04After 95 months: €4,087.06 rate · balance €20,687.06After 96 months: €4,130.08 rate · balance €20,730.08After 97 months: €4,173.10 rate · balance €20,773.10After 98 months: €4,216.13 rate · balance €20,816.13After 99 months: €4,259.15 rate · balance €20,859.15After 100 months: €4,302.17 rate · balance €20,902.17After 101 months: €4,345.19 rate · balance €20,945.19After 102 months: €4,388.21 rate · balance €20,988.21After 103 months: €4,431.24 rate · balance €21,031.24After 104 months: €4,474.26 rate · balance €21,074.26After 105 months: €4,517.28 rate · balance €21,117.28After 106 months: €4,560.30 rate · balance €21,160.30After 107 months: €4,603.32 rate · balance €21,203.32After 108 months: €4,646.34 rate · balance €21,246.34After 109 months: €4,689.37 rate · balance €21,289.37After 110 months: €4,732.39 rate · balance €21,332.39After 111 months: €4,775.41 rate · balance €21,375.41After 112 months: €4,818.43 rate · balance €21,418.43After 113 months: €4,861.45 rate · balance €21,461.45After 114 months: €4,904.47 rate · balance €21,504.47After 115 months: €4,947.50 rate · balance €21,547.50After 116 months: €4,990.52 rate · balance €21,590.52After 117 months: €5,033.54 rate · balance €21,633.54After 118 months: €5,076.56 rate · balance €21,676.56After 119 months: €5,119.58 rate · balance €21,719.58After 120 months: €5,162.60 rate · balance €21,762.60
Per year
AfterInterest up to thenBalance
1 year€516€17,116
2 years€1,033€17,633
3 years€1,549€18,149
4 years€2,065€18,665
5 years€2,581€19,181
6 years€3,098€19,698
7 years€3,614€20,214
8 years€4,130€20,730
9 years€4,646€21,246
10 years€5,163€21,763

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe

3.25%3.50%10 Dec 202430 Oct 2025now3.11%2.75% from 10 Dec 2024 until 15 Jan 20252.50% from 15 Jan 2025 until 11 Apr 20262.61% from 11 Apr 2026 until 4 Aug 20263.01% from 4 Aug 2026 until 2 Sep 20263.01% from 2 Sep 2026 until 14 Sep 20263.11% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20263.11%current
2 Sep 20263.01%14 Sep 2026
4 Aug 20263.01%2 Sep 2026web archive
11 Apr 20262.61%4 Aug 2026web archive
15 Jan 20252.50%11 Apr 2026web archive
10 Dec 20242.75%15 Jan 2025web archive

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

  • 14 Sep 2026NIBC – NIBC Termijndeposito (120 mo): 3.01% → 3.11%
  • 2 Sep 2026New: NIBC – NIBC Termijndeposito (120 mo) 3.01%

Rate checked on 18 Sep 2026.

5 years · 2.71% · Direct
6 years · 2.71% · Direct
7 years · 2.71% · Direct
8 years · 2.71% · Direct
9 years · 2.71% · Direct