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 €25,000
- €800
- per year, annualised · €21,939 total over 20 years
- Deposit guarantee
- €25,000 fully protectedDutch scheme
Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 20 years: €21,939.
Interest built up over 20 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €800 | €25,800 |
| 2 years | €1,626 | €26,626 |
| 3 years | €2,478 | €27,478 |
| 4 years | €3,357 | €28,357 |
| 5 years | €4,264 | €29,264 |
| 6 years | €5,201 | €30,201 |
| 7 years | €6,167 | €31,167 |
| 8 years | €7,165 | €32,165 |
| 9 years | €8,194 | €33,194 |
| 10 years | €9,256 | €34,256 |
| 11 years | €10,352 | €35,352 |
| 12 years | €11,483 | €36,483 |
| 13 years | €12,651 | €37,651 |
| 14 years | €13,856 | €38,856 |
| 15 years | €15,099 | €40,099 |
| 16 years | €16,382 | €41,382 |
| 17 years | €17,707 | €42,707 |
| 18 years | €19,073 | €44,073 |
| 19 years | €20,484 | €45,484 |
| 20 years | €21,939 | €46,939 |
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
€25,000 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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