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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 €25,000
€678
per year, annualised · €2,033 total over 3 years
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 3 years: €2,033.
Interest built up over 3 years
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,032After 1 month: €56.46 rate · balance €25,056.46After 2 months: €112.92 rate · balance €25,112.92After 3 months: €169.37 rate · balance €25,169.37After 4 months: €225.83 rate · balance €25,225.83

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

€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 2025now2.71%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: €282.29 rate · balance €25,282.29After 6 months: €338.75 rate · balance €25,338.75After 7 months: €395.21 rate · balance €25,395.21After 8 months: €451.67 rate · balance €25,451.67After 9 months: €508.12 rate · balance €25,508.12After 10 months: €564.58 rate · balance €25,564.58After 11 months: €621.04 rate · balance €25,621.04After 12 months: €677.50 rate · balance €25,677.50After 13 months: €733.96 rate · balance €25,733.96After 14 months: €790.42 rate · balance €25,790.42After 15 months: €846.87 rate · balance €25,846.87After 16 months: €903.33 rate · balance €25,903.33After 17 months: €959.79 rate · balance €25,959.79After 18 months: €1,016.25 rate · balance €26,016.25After 19 months: €1,072.71 rate · balance €26,072.71After 20 months: €1,129.17 rate · balance €26,129.17After 21 months: €1,185.62 rate · balance €26,185.62After 22 months: €1,242.08 rate · balance €26,242.08After 23 months: €1,298.54 rate · balance €26,298.54After 24 months: €1,355.00 rate · balance €26,355.00After 25 months: €1,411.46 rate · balance €26,411.46After 26 months: €1,467.92 rate · balance €26,467.92After 27 months: €1,524.37 rate · balance €26,524.37After 28 months: €1,580.83 rate · balance €26,580.83After 29 months: €1,637.29 rate · balance €26,637.29After 30 months: €1,693.75 rate · balance €26,693.75After 31 months: €1,750.21 rate · balance €26,750.21After 32 months: €1,806.67 rate · balance €26,806.67After 33 months: €1,863.12 rate · balance €26,863.12After 34 months: €1,919.58 rate · balance €26,919.58After 35 months: €1,976.04 rate · balance €26,976.04After 36 months: €2,032.50 rate · balance €27,032.50
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,032After 1 month: €56.46 rate · balance €25,056.46After 2 months: €112.92 rate · balance €25,112.92After 3 months: €169.37 rate · balance €25,169.37After 4 months: €225.83 rate · balance €25,225.83After 5 months: €282.29 rate · balance €25,282.29After 6 months: €338.75 rate · balance €25,338.75After 7 months: €395.21 rate · balance €25,395.21After 8 months: €451.67 rate · balance €25,451.67After 9 months: €508.12 rate · balance €25,508.12After 10 months: €564.58 rate · balance €25,564.58After 11 months: €621.04 rate · balance €25,621.04After 12 months: €677.50 rate · balance €25,677.50After 13 months: €733.96 rate · balance €25,733.96After 14 months: €790.42 rate · balance €25,790.42After 15 months: €846.87 rate · balance €25,846.87After 16 months: €903.33 rate · balance €25,903.33After 17 months: €959.79 rate · balance €25,959.79After 18 months: €1,016.25 rate · balance €26,016.25After 19 months: €1,072.71 rate · balance €26,072.71After 20 months: €1,129.17 rate · balance €26,129.17After 21 months: €1,185.62 rate · balance €26,185.62After 22 months: €1,242.08 rate · balance €26,242.08After 23 months: €1,298.54 rate · balance €26,298.54After 24 months: €1,355.00 rate · balance €26,355.00After 25 months: €1,411.46 rate · balance €26,411.46After 26 months: €1,467.92 rate · balance €26,467.92After 27 months: €1,524.37 rate · balance €26,524.37After 28 months: €1,580.83 rate · balance €26,580.83After 29 months: €1,637.29 rate · balance €26,637.29After 30 months: €1,693.75 rate · balance €26,693.75After 31 months: €1,750.21 rate · balance €26,750.21After 32 months: €1,806.67 rate · balance €26,806.67After 33 months: €1,863.12 rate · balance €26,863.12After 34 months: €1,919.58 rate · balance €26,919.58After 35 months: €1,976.04 rate · balance €26,976.04After 36 months: €2,032.50 rate · balance €27,032.50
Per year
AfterInterest up to thenBalance
1 year€677€25,677
2 years€1,355€26,355
3 years€2,032€27,032

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