Spaarradar
CompareDepositsGuided choice
News
NL
Spaarradar

Independent: the order follows only from the rate, your amount and the deposit guarantee, never from fees paid by banks.

Last check 1 minute ago·570 offers from 88 institutions

Compare
  • Highest savings rate
  • Deposits by term
  • Notice accounts
  • No withholding tax
  • Saving via Raisin
  • Directly at the bank
  • Banks & deposit guarantee
Tools
  • Guided choice
  • Interest calculator
  • Switch check
  • Deposit ladder
  • My list
  • Widget for your site
Market data
  • Rate changes
  • Rate history
  • ECB rate
  • Savings rate index
  • News
  • API
About this site
  • Glossary
  • Methodology
  • About & contact
  • Press
  • Privacy
  • Disclaimer

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
Back to the comparison

NIBCTermijndeposito

Deposit · 2 years · NIBC Bank N.V. · Netherlands · Directly at the bank
Open an account at NIBC
Rate
2.61%
2 years fixed
since 14 Sep 2026
Your return on €100,000
€2,610
per year, annualised · €5,220 total over 2 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 2 years: €5,220.
Interest built up over 2 years
€ 0€ 2k€ 4kstart1 yr2 yrs€5,220After 1 month: €217.50 rate · balance €100,217.50After 2 months: €435 rate · balance €100,435After 3 months: €652.50 rate · balance €100,652.50After 4 months: €870 rate · balance €100,870After 5 months: €1,087.50 rate · balance €101,087.50After 6 months: €1,305 rate · balance €101,305After 7 months: €1,522.50 rate · balance €101,522.50After 8 months: €1,740 rate · balance €101,740

Rate and conditions

BalanceRate
€0 – and up2.61%
Interest payout
yearly, paid out
Fees
none
Access
2 years fixed · no early withdrawal
Term
2 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

€100,000 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 2025now2.61%2.60% from 10 Dec 2024 until 15 Jan 20252.50% from 15 Jan 2025 until 19 May 20252.20% from 19 May 2025 until 16 Sep 20252.10% from 16 Sep 2025 until 11 Apr 20262.21% from 11 Apr 2026 until 4 Aug 20262.41% from 4 Aug 2026 until 2 Sep 20262.41% from 2 Sep 2026 until 14 Sep 20262.61% from 14 Sep 2026 until now
1.75%2.00%

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% · Direct3 years · 2.71% · Direct4 years · 2.71% · Direct5 years · 2.71% · Direct
After 9 months: €1,957.50 rate · balance €101,957.50After 10 months: €2,175 rate · balance €102,175After 11 months: €2,392.50 rate · balance €102,392.50After 12 months: €2,610 rate · balance €102,610After 13 months: €2,827.50 rate · balance €102,827.50After 14 months: €3,045 rate · balance €103,045After 15 months: €3,262.50 rate · balance €103,262.50After 16 months: €3,480 rate · balance €103,480After 17 months: €3,697.50 rate · balance €103,697.50After 18 months: €3,915 rate · balance €103,915After 19 months: €4,132.50 rate · balance €104,132.50After 20 months: €4,350 rate · balance €104,350After 21 months: €4,567.50 rate · balance €104,567.50After 22 months: €4,785 rate · balance €104,785After 23 months: €5,002.50 rate · balance €105,002.50After 24 months: €5,220 rate · balance €105,220
€ 0€ 2k€ 4kstart1 yr2 yrs€5,220After 1 month: €217.50 rate · balance €100,217.50After 2 months: €435 rate · balance €100,435After 3 months: €652.50 rate · balance €100,652.50After 4 months: €870 rate · balance €100,870After 5 months: €1,087.50 rate · balance €101,087.50After 6 months: €1,305 rate · balance €101,305After 7 months: €1,522.50 rate · balance €101,522.50After 8 months: €1,740 rate · balance €101,740After 9 months: €1,957.50 rate · balance €101,957.50After 10 months: €2,175 rate · balance €102,175After 11 months: €2,392.50 rate · balance €102,392.50After 12 months: €2,610 rate · balance €102,610After 13 months: €2,827.50 rate · balance €102,827.50After 14 months: €3,045 rate · balance €103,045After 15 months: €3,262.50 rate · balance €103,262.50After 16 months: €3,480 rate · balance €103,480After 17 months: €3,697.50 rate · balance €103,697.50After 18 months: €3,915 rate · balance €103,915After 19 months: €4,132.50 rate · balance €104,132.50After 20 months: €4,350 rate · balance €104,350After 21 months: €4,567.50 rate · balance €104,567.50After 22 months: €4,785 rate · balance €104,785After 23 months: €5,002.50 rate · balance €105,002.50After 24 months: €5,220 rate · balance €105,220
Per year
AfterInterest up to thenBalance
1 year€2,610€102,610
2 years€5,220€105,220

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

2.25%2.50%2.75%3.00%10 Dec 202430 Oct 2025now2.61%2.60% from 10 Dec 2024 until 15 Jan 20252.50% from 15 Jan 2025 until 19 May 20252.20% from 19 May 2025 until 16 Sep 20252.10% from 16 Sep 2025 until 11 Apr 20262.21% from 11 Apr 2026 until 4 Aug 20262.41% from 4 Aug 2026 until 2 Sep 20262.41% from 2 Sep 2026 until 14 Sep 20262.61% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20262.61%current
2 Sep 20262.41%14 Sep 2026
4 Aug 20262.41%2 Sep 2026web archive
11 Apr 20262.21%4 Aug 2026web archive
16 Sep 20252.10%11 Apr 2026web archive
19 May 20252.20%16 Sep 2025web archive
15 Jan 20252.50%19 May 2025web archive
10 Dec 20242.60%15 Jan 2025web archive

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

  • 14 Sep 2026NIBC – NIBC Termijndeposito (24 mo): 2.41% → 2.61%
  • 2 Sep 2026New: NIBC – NIBC Termijndeposito (24 mo) 2.41%

Rate checked on 19 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