Spaarradar

NIBCTermijndeposito

Deposit · 9 months · NIBC Bank N.V. · Netherlands · Directly at the bank
Open an account at NIBC
Rate
2.61%
9 months fixed
since 6 Oct 2026
EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
2.62%
for €16,800
Your return on €16,800
€440
per year, annualised · €329 total over 9 months
Deposit guarantee
€16,800 fully protected
Dutch scheme

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

Your calculation for €16,800

Gross interest over 9 months: €329.
Interest built up over 9 months
€ 0€ 200start6 mo€329After 1 month: €36.54 rate · balance €16,836.54After 2 months: €73.08 rate · balance €16,873.08After 3 months: €109.62 rate · balance €16,909.62After 4 months: €146.16 rate · balance €16,946.16After 5 months: €182.70 rate · balance €16,982.70After 6 months: €219.24 rate · balance €17,019.24After 7 months: €255.78 rate · balance €17,055.78After 8 months: €292.32 rate · balance €17,092.32After 9 months: €328.86 rate · balance €17,128.86

Rate and conditions

BalanceRate
€0 – and up2.61%
Interest payout
end of term, paid out
Fees
none
Access
9 months fixed · no early withdrawal
Term
9 months
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 aan het einde van de looptijd bijgeschreven op de NIBC Spaarrekening

Deposit guarantee

€16,800 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
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

1.50%1.75%2.00%2.25%2.50%2.75%3.00%10 Dec 202421 Nov 2025now2.61%2.35% from 10 Dec 2024 until 19 Feb 20252.25% from 19 Feb 2025 until 19 May 20251.95% from 19 May 2025 until 11 Apr 20262.25% from 11 Apr 2026 until 2 Sep 20262.25% from 2 Sep 2026 until 14 Sep 20262.31% from 14 Sep 2026 until 6 Oct 20262.61% from 6 Oct 2026 until now
FromRateUntil
6 Oct 20262.61%current
14 Sep 20262.31%6 Oct 2026
2 Sep 20262.25%14 Sep 2026
11 Apr 20262.25%2 Sep 2026web archive
19 May 20251.95%11 Apr 2026web archive
19 Feb 20252.25%19 May 2025web archive
10 Dec 20242.35%19 Feb 2025web archive

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

  • 6 Oct 2026NIBC – NIBC Termijndeposito (9 mo): 2.31% → 2.61%
  • 14 Sep 2026NIBC – NIBC Termijndeposito (9 mo): 2.25% → 2.31%
  • 2 Sep 2026New: NIBC – NIBC Termijndeposito (9 mo) 2.25%

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% · Direct1 year · 2.86% · Direct2 years · 2.61% · Direct3 years · 2.71% · Direct4 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