RabobankRabo DoelSparen
Deposit · 20 years · Coöperatieve Rabobank U.A. · Netherlands · Directly at the bank
- Rate
- 3.20%
- 20 years fixed
- since 13 Oct 2026
- Your return on €100,000
- €3,200
- per year, annualised · €87,756 total over 20 years
- Deposit guarantee
- €100,000 fully protectedDutch scheme
Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €100,000
Gross interest over 20 years: €87,756.
Interest built up over 20 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €3,200 | €103,200 |
| 2 years | €6,502 | €106,502 |
| 3 years | €9,910 | €109,910 |
| 4 years | €13,428 | €113,428 |
| 5 years | €17,057 | €117,057 |
| 6 years | €20,803 | €120,803 |
| 7 years | €24,669 | €124,669 |
| 8 years | €28,658 | €128,658 |
| 9 years | €32,775 | €132,775 |
| 10 years | €37,024 | €137,024 |
| 11 years | €41,409 | €141,409 |
| 12 years | €45,934 | €145,934 |
| 13 years | €50,604 | €150,604 |
| 14 years | €55,423 | €155,423 |
| 15 years | €60,397 | €160,397 |
| 16 years | €65,529 | €165,529 |
| 17 years | €70,826 | €170,826 |
| 18 years | €76,293 | €176,293 |
| 19 years | €81,934 | €181,934 |
| 20 years | €87,756 | €187,756 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.20% |
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 14 Oct 2026
- Access
- 20 years fixed · early withdrawal with loss of interest
- Term
- 20 years
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- unknown
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Vaste rente voor een zelf gekozen einddatum 20 jaar vooruit; bijstorten kan, opnemen vóór de einddatum kost 1% over het opgenomen bedrag
- Na de einddatum geldt een variabele rente
- Een Rabobank betaalrekening is nodig
Deposit guarantee
€100,000 fully protected
Dutch scheme
Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Licence and verification
- Institution
- Coöperatieve Rabobank U.A.
- 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 |
|---|---|---|
| 13 Oct 2026 | 3.20% | current |
| 15 Sep 2026 | 3.15% | 13 Oct 2026 |
| 7 Jun 2026 | 3.15% | 15 Sep 2026web archive |
| 12 Feb 2026 | 2.80% | 7 Jun 2026web archive |
All historic rates of Rabobank →All savings products of Rabobank →
- 13 Oct 2026Rabobank – Rabo DoelSparen (240 mo): 3.15% → 3.20%
- 5 Oct 2026Rabobank – Rabo DoelSparen (240 mo): 3.20% announced from 2026-10-14 (now 3.15%)
- 15 Sep 2026New: Rabobank – Rabo DoelSparen (240 mo) 3.15%
Rate checked on 2 Nov 2026.
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