NIBCTermijndeposito
Deposit · 4 years · NIBC Bank N.V. · Netherlands · Directly at the bank
- Rate
- 2.71%
- 4 years fixed
- since 14 Sep 2026
- Your return on €50,000
- €1,355
- per year, annualised · €5,420 total over 4 years
- Deposit guarantee
- €50,000 fully protectedDutch scheme
NIBC Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 4 years: €5,420.
Interest built up over 4 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €1,355 | €51,355 |
| 2 years | €2,710 | €52,710 |
| 3 years | €4,065 | €54,065 |
| 4 years | €5,420 | €55,420 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.71% |
- Interest payout
- yearly, paid out
- Fees
- none
- Access
- 4 years fixed · no early withdrawal
- Term
- 4 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
€50,000 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 depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Taxes
- Country
- Netherlands
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 14 Sep 2026 | 2.71% | current |
| 2 Sep 2026 | 2.51% | 14 Sep 2026 |
| 4 Aug 2026 | 2.51% | 2 Sep 2026web archive |
| 11 Apr 2026 | 2.41% | 4 Aug 2026web archive |
| 16 Sep 2025 | 2.30% | 11 Apr 2026web archive |
| 15 Jan 2025 | 2.50% | 16 Sep 2025web archive |
| 10 Dec 2024 | 2.60% | 15 Jan 2025web archive |
All historic rates of NIBC →All savings products of NIBC →
- 14 Sep 2026NIBC – NIBC Termijndeposito (48 mo): 2.51% → 2.71%
- 2 Sep 2026New: NIBC – NIBC Termijndeposito (48 mo) 2.51%
Rate checked on 2 Nov 2026.
Other offers from NIBC
Instant access · 1.60% · DirectInstant access · 1.55% · Direct3 months · 2.01% · Direct6 months · 2.56% · Direct9 months · 2.61% · Direct1 year · 2.86% · Direct2 years · 2.61% · Direct3 years · 2.71% · Direct5 years · 2.71% · Direct6 years · 2.71% · Direct7 years · 2.71% · Direct8 years · 2.71% · Direct9 years · 2.71% · Direct10 years · 3.11% · Direct