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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 · 1 year · NIBC Bank N.V. · Netherlands · Directly at the bank
Open an account at NIBC
Rate
2.56%
1 year fixed
since 14 Sep 2026
Your return on €25,000
€640
interest per year
Deposit guarantee
€25,000 fully protected
Dutch scheme

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

Your calculation for €25,000

Gross interest over 1 year: €640.
Interest built up over 1 year
€ 0€ 250€ 500start6 mo1 yr€640After 1 month: €53.33 rate · balance €25,053.33After 2 months: €106.67 rate · balance €25,106.67After 3 months: €160.00 rate · balance €25,160.00After 4 months: €213.33 rate · balance €25,213.33After 5 months: €266.67 rate · balance €25,266.67After 6 months: €320.00 rate · balance €25,320.00After 7 months: €373.33 rate · balance €25,373.33After 8 months: €426.67 rate · balance €25,426.67After 9 months: €480.00 rate · balance €25,480.00After 10 months: €533.33 rate · balance €25,533.33

Rate and conditions

BalanceRate
€0 – and up2.56%
Interest payout
end of term, paid out
Fees
none
Access
1 year fixed · no early withdrawal
Term
1 year
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 aan het einde van de looptijd bijgeschreven op de NIBC Spaarrekening

Deposit guarantee

€25,000 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
Nederland kent geen bronbelasting op spaarrente.

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

Rate history

1.75%2.00%2.25%2.50%2.75%3.00%10 Dec 202430 Oct 2025now2.56%2.70% from 10 Dec 2024 until 15 Jan 20252.45% from 15 Jan 2025 until 19 Feb 20252.35% from 19 Feb 2025 until 19 May 20252.05% from 19 May 2025 until 16 Sep 20252.00% from 16 Sep 2025 until 11 Apr 20262.30% from 11 Apr 2026 until 4 Aug 20262.66% from 4 Aug 2026 until 2 Sep 20262.50% from 2 Sep 2026 until 14 Sep 20262.56% from 14 Sep 2026 until now
1.75%

Other offers from NIBC

Instant access · 1.60% · DirectInstant access · 1.55% · Direct3 months · 2.01% · Direct6 months · 2.26% · Direct9 months · 2.31% · Direct2 years · 2.61% · Direct3 years · 2.71% · Direct4 years · 2.71% · Direct5 years · 2.71% · Direct
After 11 months: €586.67 rate · balance €25,586.67After 12 months: €640.00 rate · balance €25,640.00
€ 0€ 250€ 500start3 mo6 mo9 mo1 yr€640After 1 month: €53.33 rate · balance €25,053.33After 2 months: €106.67 rate · balance €25,106.67After 3 months: €160.00 rate · balance €25,160.00After 4 months: €213.33 rate · balance €25,213.33After 5 months: €266.67 rate · balance €25,266.67After 6 months: €320.00 rate · balance €25,320.00After 7 months: €373.33 rate · balance €25,373.33After 8 months: €426.67 rate · balance €25,426.67After 9 months: €480.00 rate · balance €25,480.00After 10 months: €533.33 rate · balance €25,533.33After 11 months: €586.67 rate · balance €25,586.67After 12 months: €640.00 rate · balance €25,640.00

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

2.00%2.25%2.50%2.75%3.00%10 Dec 202430 Oct 2025now2.56%2.70% from 10 Dec 2024 until 15 Jan 20252.45% from 15 Jan 2025 until 19 Feb 20252.35% from 19 Feb 2025 until 19 May 20252.05% from 19 May 2025 until 16 Sep 20252.00% from 16 Sep 2025 until 11 Apr 20262.30% from 11 Apr 2026 until 4 Aug 20262.66% from 4 Aug 2026 until 2 Sep 20262.50% from 2 Sep 2026 until 14 Sep 20262.56% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20262.56%current
2 Sep 20262.50%14 Sep 2026
4 Aug 20262.66%2 Sep 2026web archive
11 Apr 20262.30%4 Aug 2026web archive
16 Sep 20252.00%11 Apr 2026web archive
19 May 20252.05%16 Sep 2025web archive
19 Feb 20252.35%19 May 2025web archive
15 Jan 20252.45%19 Feb 2025web archive
10 Dec 20242.70%15 Jan 2025web archive

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

  • 14 Sep 2026NIBC – NIBC Termijndeposito (12 mo): 2.50% → 2.56%
  • 2 Sep 2026New: NIBC – NIBC Termijndeposito (12 mo) 2.50%

Rate checked on 18 Sep 2026.

6 years · 2.71% · Direct
7 years · 2.71% · Direct
8 years · 2.71% · Direct
9 years · 2.71% · Direct
10 years · 3.11% · Direct