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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 · 3 years · NIBC Bank N.V. · Netherlands · Directly at the bank
Open an account at NIBC
Rate
2.71%
3 years fixed
since 14 Sep 2026
Your return on €16,600
€450
per year, annualised · €1,350 total over 3 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 3 years: €1,350.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,350After 1 month: €37.49 rate · balance €16,637.49After 2 months: €74.98 rate · balance €16,674.98After 3 months: €112.46 rate · balance €16,712.46After 4 months: €149.95 rate · balance €16,749.95

Rate and conditions

BalanceRate
€0 – and up2.71%
Interest payout
yearly, paid out
Fees
none
Access
3 years fixed · no early withdrawal
Term
3 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

1.75%2.00%2.25%2.50%2.75%3.00%10 Dec 202430 Oct 2025now2.71%2.60% from 10 Dec 2024 until 15 Jan 20252.50% from 15 Jan 2025 until 19 May 20252.25% 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 20262.51% from 4 Aug 2026 until 2 Sep 20262.51% from 2 Sep 2026 until 14 Sep 20262.71% 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% · Direct2 years · 2.61% · Direct4 years · 2.71% · Direct5 years · 2.71% · Direct
After 5 months: €187.44 rate · balance €16,787.44After 6 months: €224.93 rate · balance €16,824.93After 7 months: €262.42 rate · balance €16,862.42After 8 months: €299.91 rate · balance €16,899.91After 9 months: €337.39 rate · balance €16,937.39After 10 months: €374.88 rate · balance €16,974.88After 11 months: €412.37 rate · balance €17,012.37After 12 months: €449.86 rate · balance €17,049.86After 13 months: €487.35 rate · balance €17,087.35After 14 months: €524.84 rate · balance €17,124.84After 15 months: €562.32 rate · balance €17,162.32After 16 months: €599.81 rate · balance €17,199.81After 17 months: €637.30 rate · balance €17,237.30After 18 months: €674.79 rate · balance €17,274.79After 19 months: €712.28 rate · balance €17,312.28After 20 months: €749.77 rate · balance €17,349.77After 21 months: €787.25 rate · balance €17,387.25After 22 months: €824.74 rate · balance €17,424.74After 23 months: €862.23 rate · balance €17,462.23After 24 months: €899.72 rate · balance €17,499.72After 25 months: €937.21 rate · balance €17,537.21After 26 months: €974.70 rate · balance €17,574.70After 27 months: €1,012.18 rate · balance €17,612.18After 28 months: €1,049.67 rate · balance €17,649.67After 29 months: €1,087.16 rate · balance €17,687.16After 30 months: €1,124.65 rate · balance €17,724.65After 31 months: €1,162.14 rate · balance €17,762.14After 32 months: €1,199.63 rate · balance €17,799.63After 33 months: €1,237.11 rate · balance €17,837.11After 34 months: €1,274.60 rate · balance €17,874.60After 35 months: €1,312.09 rate · balance €17,912.09After 36 months: €1,349.58 rate · balance €17,949.58
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,350After 1 month: €37.49 rate · balance €16,637.49After 2 months: €74.98 rate · balance €16,674.98After 3 months: €112.46 rate · balance €16,712.46After 4 months: €149.95 rate · balance €16,749.95After 5 months: €187.44 rate · balance €16,787.44After 6 months: €224.93 rate · balance €16,824.93After 7 months: €262.42 rate · balance €16,862.42After 8 months: €299.91 rate · balance €16,899.91After 9 months: €337.39 rate · balance €16,937.39After 10 months: €374.88 rate · balance €16,974.88After 11 months: €412.37 rate · balance €17,012.37After 12 months: €449.86 rate · balance €17,049.86After 13 months: €487.35 rate · balance €17,087.35After 14 months: €524.84 rate · balance €17,124.84After 15 months: €562.32 rate · balance €17,162.32After 16 months: €599.81 rate · balance €17,199.81After 17 months: €637.30 rate · balance €17,237.30After 18 months: €674.79 rate · balance €17,274.79After 19 months: €712.28 rate · balance €17,312.28After 20 months: €749.77 rate · balance €17,349.77After 21 months: €787.25 rate · balance €17,387.25After 22 months: €824.74 rate · balance €17,424.74After 23 months: €862.23 rate · balance €17,462.23After 24 months: €899.72 rate · balance €17,499.72After 25 months: €937.21 rate · balance €17,537.21After 26 months: €974.70 rate · balance €17,574.70After 27 months: €1,012.18 rate · balance €17,612.18After 28 months: €1,049.67 rate · balance €17,649.67After 29 months: €1,087.16 rate · balance €17,687.16After 30 months: €1,124.65 rate · balance €17,724.65After 31 months: €1,162.14 rate · balance €17,762.14After 32 months: €1,199.63 rate · balance €17,799.63After 33 months: €1,237.11 rate · balance €17,837.11After 34 months: €1,274.60 rate · balance €17,874.60After 35 months: €1,312.09 rate · balance €17,912.09After 36 months: €1,349.58 rate · balance €17,949.58
Per year
AfterInterest up to thenBalance
1 year€450€17,050
2 years€900€17,500
3 years€1,350€17,950

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 2025now2.71%2.60% from 10 Dec 2024 until 15 Jan 20252.50% from 15 Jan 2025 until 19 May 20252.25% 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 20262.51% from 4 Aug 2026 until 2 Sep 20262.51% from 2 Sep 2026 until 14 Sep 20262.71% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20262.71%current
2 Sep 20262.51%14 Sep 2026
4 Aug 20262.51%2 Sep 2026web archive
11 Apr 20262.21%4 Aug 2026web archive
16 Sep 20252.10%11 Apr 2026web archive
19 May 20252.25%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 (36 mo): 2.51% → 2.71%
  • 2 Sep 2026New: NIBC – NIBC Termijndeposito (36 mo) 2.51%

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