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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 Rabobank
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RabobankRabo TijdslotSparen

Instant access · Coöperatieve Rabobank U.A. · Netherlands · Directly at the bank
Current account required
Open an account at Rabobank
Rate
1.85%
variable
Your return on €16,800
€311
interest per year
Deposit guarantee
€16,800 fully protected
Dutch scheme

Coöperatieve Rabobank U.A. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €16,800

Gross interest over 1 year: €311.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
€ 0€ 200start6 mo1 yr€311After 1 month: €25.90 rate · balance €16,825.90After 2 months: €51.80 rate · balance €16,851.80After 3 months: €77.70 rate · balance €16,877.70After 4 months: €103.60 rate · balance €16,903.60After 5 months: €129.50 rate · balance €16,929.50After 6 months: €155.40 rate · balance €16,955.40After 7 months: €181.30 rate · balance €16,981.30After 8 months: €207.20 rate · balance €17,007.20After 9 months: €233.10 rate · balance €17,033.10After 10 months: €259 rate · balance €17,059After 11 months: €284.90 rate · balance €17,084.90

Rate and conditions

BalanceRate
€0 – €100,0001.85%
€100,000 – €5,000,0001.85%
€5,000,000 – and up0.00%
Tiers
per tier (marginal)
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
5 Aug 2026
Access
Instant access
Minimum deposit
none
Maximum deposit
not stated
Current account required
yes
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Opnemen alleen in het jaarlijkse tijdslot (twee weken rond de openingsdatum); daarbuiten alleen tegen kosten
  • Variabele rente; boven € 5 miljoen 0%
  • Een Rabobank betaalrekening is nodig

Deposit guarantee

€16,800 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 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.

Rate history

1.85% since 15 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Rabobank →All savings products of Rabobank →

  • 15 Sep 2026Rabobank – Rabo TijdslotSparen: limits changed (min –→0, max –→–, rate cap –→–)
  • 15 Sep 2026New: Rabobank – Rabo TijdslotSparen 1.85%

Rate checked on 16 Sep 2026.

Other offers from Rabobank

Instant access · 1.50% · Direct6 months · 1.50% · Direct1 year · 1.65% · Direct1 year · 1.65% · Direct1 year · 1.65% · Direct2 years · 1.80% · Direct3 years · 1.90% · Direct4 years · 2.00% · Direct5 years · 2.35% · Direct6 years · 2.40% · Direct
After 12 months: €310.80 rate · balance €17,110.80
€ 0€ 200start3 mo6 mo9 mo1 yr€311After 1 month: €25.90 rate · balance €16,825.90After 2 months: €51.80 rate · balance €16,851.80After 3 months: €77.70 rate · balance €16,877.70After 4 months: €103.60 rate · balance €16,903.60After 5 months: €129.50 rate · balance €16,929.50After 6 months: €155.40 rate · balance €16,955.40After 7 months: €181.30 rate · balance €16,981.30After 8 months: €207.20 rate · balance €17,007.20After 9 months: €233.10 rate · balance €17,033.10After 10 months: €259 rate · balance €17,059After 11 months: €284.90 rate · balance €17,084.90After 12 months: €310.80 rate · balance €17,110.80

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

7 years · 2.50% · Direct
8 years · 2.60% · Direct
9 years · 2.65% · Direct
10 years · 2.75% · Direct
11 years · 2.75% · Direct
12 years · 2.75% · Direct
13 years · 2.75% · Direct
14 years · 2.75% · Direct
15 years · 3.00% · Direct
16 years · 3.00% · Direct
17 years · 3.00% · Direct
18 years · 3.00% · Direct
19 years · 3.00% · Direct
20 years · 3.15% · Direct