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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 · 8 years · NIBC Bank N.V. · Netherlands · Directly at the bank
Open an account at NIBC
Rate
2.71%
8 years fixed
since 14 Sep 2026
Your return on €25,000
€678
per year, annualised · €5,420 total over 8 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 8 years: €5,420.
Interest built up over 8 years
€ 0€ 2k€ 4kstart3 yrs6 yrs

Rate and conditions

BalanceRate
€0 – and up2.71%
Interest payout
yearly, paid out
Fees
none
Access
8 years fixed · no early withdrawal
Term
8 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

2.00%2.25%2.50%2.75%3.00%10 Dec 202430 Oct 2025now2.71%2.75% from 10 Dec 2024 until 15 Jan 20252.50% from 15 Jan 2025 until 16 Sep 20252.30% from 16 Sep 2025 until 11 Apr 20262.41% 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
2.00%2.25%2.50%2.75%

Other offers from NIBC

Instant access · 1.60% · DirectInstant access · 1.55% · Direct3 months · 2.01% · Direct6 months · 2.26% · Direct9 months · 2.31% · Direct1 year · 2.56% · Direct2 years · 2.61% · Direct3 years · 2.71% · Direct4 years · 2.71% · Direct
€5,420After 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 €27,032.50After 37 months: €2,088.96 rate · balance €27,088.96After 38 months: €2,145.42 rate · balance €27,145.42After 39 months: €2,201.87 rate · balance €27,201.87After 40 months: €2,258.33 rate · balance €27,258.33After 41 months: €2,314.79 rate · balance €27,314.79After 42 months: €2,371.25 rate · balance €27,371.25After 43 months: €2,427.71 rate · balance €27,427.71After 44 months: €2,484.17 rate · balance €27,484.17After 45 months: €2,540.62 rate · balance €27,540.62After 46 months: €2,597.08 rate · balance €27,597.08After 47 months: €2,653.54 rate · balance €27,653.54After 48 months: €2,710.00 rate · balance €27,710.00After 49 months: €2,766.46 rate · balance €27,766.46After 50 months: €2,822.91 rate · balance €27,822.91After 51 months: €2,879.37 rate · balance €27,879.37After 52 months: €2,935.83 rate · balance €27,935.83After 53 months: €2,992.29 rate · balance €27,992.29After 54 months: €3,048.75 rate · balance €28,048.75After 55 months: €3,105.21 rate · balance €28,105.21After 56 months: €3,161.66 rate · balance €28,161.66After 57 months: €3,218.12 rate · balance €28,218.12After 58 months: €3,274.58 rate · balance €28,274.58After 59 months: €3,331.04 rate · balance €28,331.04After 60 months: €3,387.50 rate · balance €28,387.50After 61 months: €3,443.96 rate · balance €28,443.96After 62 months: €3,500.41 rate · balance €28,500.41After 63 months: €3,556.87 rate · balance €28,556.87After 64 months: €3,613.33 rate · balance €28,613.33After 65 months: €3,669.79 rate · balance €28,669.79After 66 months: €3,726.25 rate · balance €28,726.25After 67 months: €3,782.71 rate · balance €28,782.71After 68 months: €3,839.16 rate · balance €28,839.16After 69 months: €3,895.62 rate · balance €28,895.62After 70 months: €3,952.08 rate · balance €28,952.08After 71 months: €4,008.54 rate · balance €29,008.54After 72 months: €4,065.00 rate · balance €29,065.00After 73 months: €4,121.46 rate · balance €29,121.46After 74 months: €4,177.91 rate · balance €29,177.91After 75 months: €4,234.37 rate · balance €29,234.37After 76 months: €4,290.83 rate · balance €29,290.83After 77 months: €4,347.29 rate · balance €29,347.29After 78 months: €4,403.75 rate · balance €29,403.75After 79 months: €4,460.21 rate · balance €29,460.21After 80 months: €4,516.66 rate · balance €29,516.66After 81 months: €4,573.12 rate · balance €29,573.12After 82 months: €4,629.58 rate · balance €29,629.58After 83 months: €4,686.04 rate · balance €29,686.04After 84 months: €4,742.50 rate · balance €29,742.50After 85 months: €4,798.96 rate · balance €29,798.96After 86 months: €4,855.41 rate · balance €29,855.41After 87 months: €4,911.87 rate · balance €29,911.87After 88 months: €4,968.33 rate · balance €29,968.33After 89 months: €5,024.79 rate · balance €30,024.79After 90 months: €5,081.25 rate · balance €30,081.25After 91 months: €5,137.71 rate · balance €30,137.71After 92 months: €5,194.16 rate · balance €30,194.16After 93 months: €5,250.62 rate · balance €30,250.62After 94 months: €5,307.08 rate · balance €30,307.08After 95 months: €5,363.54 rate · balance €30,363.54After 96 months: €5,420.00 rate · balance €30,420.00
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs€5,420After 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 €27,032.50After 37 months: €2,088.96 rate · balance €27,088.96After 38 months: €2,145.42 rate · balance €27,145.42After 39 months: €2,201.87 rate · balance €27,201.87After 40 months: €2,258.33 rate · balance €27,258.33After 41 months: €2,314.79 rate · balance €27,314.79After 42 months: €2,371.25 rate · balance €27,371.25After 43 months: €2,427.71 rate · balance €27,427.71After 44 months: €2,484.17 rate · balance €27,484.17After 45 months: €2,540.62 rate · balance €27,540.62After 46 months: €2,597.08 rate · balance €27,597.08After 47 months: €2,653.54 rate · balance €27,653.54After 48 months: €2,710.00 rate · balance €27,710.00After 49 months: €2,766.46 rate · balance €27,766.46After 50 months: €2,822.91 rate · balance €27,822.91After 51 months: €2,879.37 rate · balance €27,879.37After 52 months: €2,935.83 rate · balance €27,935.83After 53 months: €2,992.29 rate · balance €27,992.29After 54 months: €3,048.75 rate · balance €28,048.75After 55 months: €3,105.21 rate · balance €28,105.21After 56 months: €3,161.66 rate · balance €28,161.66After 57 months: €3,218.12 rate · balance €28,218.12After 58 months: €3,274.58 rate · balance €28,274.58After 59 months: €3,331.04 rate · balance €28,331.04After 60 months: €3,387.50 rate · balance €28,387.50After 61 months: €3,443.96 rate · balance €28,443.96After 62 months: €3,500.41 rate · balance €28,500.41After 63 months: €3,556.87 rate · balance €28,556.87After 64 months: €3,613.33 rate · balance €28,613.33After 65 months: €3,669.79 rate · balance €28,669.79After 66 months: €3,726.25 rate · balance €28,726.25After 67 months: €3,782.71 rate · balance €28,782.71After 68 months: €3,839.16 rate · balance €28,839.16After 69 months: €3,895.62 rate · balance €28,895.62After 70 months: €3,952.08 rate · balance €28,952.08After 71 months: €4,008.54 rate · balance €29,008.54After 72 months: €4,065.00 rate · balance €29,065.00After 73 months: €4,121.46 rate · balance €29,121.46After 74 months: €4,177.91 rate · balance €29,177.91After 75 months: €4,234.37 rate · balance €29,234.37After 76 months: €4,290.83 rate · balance €29,290.83After 77 months: €4,347.29 rate · balance €29,347.29After 78 months: €4,403.75 rate · balance €29,403.75After 79 months: €4,460.21 rate · balance €29,460.21After 80 months: €4,516.66 rate · balance €29,516.66After 81 months: €4,573.12 rate · balance €29,573.12After 82 months: €4,629.58 rate · balance €29,629.58After 83 months: €4,686.04 rate · balance €29,686.04After 84 months: €4,742.50 rate · balance €29,742.50After 85 months: €4,798.96 rate · balance €29,798.96After 86 months: €4,855.41 rate · balance €29,855.41After 87 months: €4,911.87 rate · balance €29,911.87After 88 months: €4,968.33 rate · balance €29,968.33After 89 months: €5,024.79 rate · balance €30,024.79After 90 months: €5,081.25 rate · balance €30,081.25After 91 months: €5,137.71 rate · balance €30,137.71After 92 months: €5,194.16 rate · balance €30,194.16After 93 months: €5,250.62 rate · balance €30,250.62After 94 months: €5,307.08 rate · balance €30,307.08After 95 months: €5,363.54 rate · balance €30,363.54After 96 months: €5,420.00 rate · balance €30,420.00
Per year
AfterInterest up to thenBalance
1 year€677€25,677
2 years€1,355€26,355
3 years€2,032€27,032
4 years€2,710€27,710
5 years€3,387€28,387
6 years€4,065€29,065
7 years€4,742€29,742
8 years€5,420€30,420

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

3.00%10 Dec 202430 Oct 2025now2.71%2.75% from 10 Dec 2024 until 15 Jan 20252.50% from 15 Jan 2025 until 16 Sep 20252.30% from 16 Sep 2025 until 11 Apr 20262.41% 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 20262.41%4 Aug 2026web archive
16 Sep 20252.30%11 Apr 2026web archive
15 Jan 20252.50%16 Sep 2025web archive
10 Dec 20242.75%15 Jan 2025web archive

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

  • 14 Sep 2026NIBC – NIBC Termijndeposito (96 mo): 2.51% → 2.71%
  • 2 Sep 2026New: NIBC – NIBC Termijndeposito (96 mo) 2.51%

Rate checked on 18 Sep 2026.

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