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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 Triodos Bank
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Triodos BankTriodos Spaar Deposito

Deposit · 10 years · Triodos Bank N.V. · Netherlands · Directly at the bank
Open an account at Triodos Bank
Rate
2.65%
10 years fixed
since 2 Sep 2026
Your return on €100,000
€2,650
per year, annualised · €26,500 total over 10 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 10 years: €26,500.
Interest built up over 10 years
€ 0€ 10k€ 20kstart3 yrs6 yrs9 yrs

Rate and conditions

BalanceRate
€0 – and up2.65%
Interest payout
yearly, paid out
Fees
none
Rate valid since
2 Sep 2026
Access
10 years fixed · early withdrawal with loss of interest
Term
10 years
Minimum deposit
€500
Maximum deposit
€1,000,000
Current account required
unknown
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Eerder beëindigen kost 1,5% van het bedrag per resterend (deel)jaar, maximaal 10%
  • Rente wordt jaarlijks (looptijd ≥ 1 jaar) of aan het einde van de looptijd uitgekeerd op de Triodos Internet Spaarrekening
  • Een Triodos Internet Spaarrekening is nodig

Deposit guarantee

€100,000 fully protected
Dutch scheme

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

Licence and verification
Institution
Triodos 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

1.25%1.75%2.25%2.75%3.25%16 Mar 202316 Dec 2024now2.65%1.75% from 16 Mar 2023 until 22 Apr 20232.15% from 22 Apr 2023 until 2 Jun 20232.25% from 2 Jun 2023 until 14 Aug 20232.65% from 14 Aug 2023 until 4 Oct 20232.75% from 4 Oct 2023 until 23 Nov 20232.85% from 23 Nov 2023 until 25 May 20242.95% from 25 May 2024 until 18 Jan 20252.25% from 18 Jan 2025 until 18 Aug 20252.35% from 18 Aug 2025 until 16 Oct 20252.50% from 16 Oct 2025 until 19 Jan 20262.65% from 19 Jan 2026 until 2 Sep 20262.65% from 2 Sep 2026 until now

Other offers from Triodos Bank

Instant access · 1.15% · Direct3 months · 1.50% · Direct6 months · 1.85% · Direct9 months · 1.95% · Direct1 year · 2.10% · Direct2 years · 2.15% · Direct3 years · 2.15% · Direct4 years · 2.15% · Direct5 years · 2.20% · Direct
€26,500After 1 month: €220.83 rate · balance €100,220.83After 2 months: €441.67 rate · balance €100,441.67After 3 months: €662.50 rate · balance €100,662.50After 4 months: €883.33 rate · balance €100,883.33After 5 months: €1,104.17 rate · balance €101,104.17After 6 months: €1,325.00 rate · balance €101,325.00After 7 months: €1,545.83 rate · balance €101,545.83After 8 months: €1,766.67 rate · balance €101,766.67After 9 months: €1,987.50 rate · balance €101,987.50After 10 months: €2,208.33 rate · balance €102,208.33After 11 months: €2,429.17 rate · balance €102,429.17After 12 months: €2,650.00 rate · balance €102,650.00After 13 months: €2,870.83 rate · balance €102,870.83After 14 months: €3,091.67 rate · balance €103,091.67After 15 months: €3,312.50 rate · balance €103,312.50After 16 months: €3,533.33 rate · balance €103,533.33After 17 months: €3,754.17 rate · balance €103,754.17After 18 months: €3,975.00 rate · balance €103,975.00After 19 months: €4,195.83 rate · balance €104,195.83After 20 months: €4,416.67 rate · balance €104,416.67After 21 months: €4,637.50 rate · balance €104,637.50After 22 months: €4,858.33 rate · balance €104,858.33After 23 months: €5,079.17 rate · balance €105,079.17After 24 months: €5,300.00 rate · balance €105,300.00After 25 months: €5,520.83 rate · balance €105,520.83After 26 months: €5,741.67 rate · balance €105,741.67After 27 months: €5,962.50 rate · balance €105,962.50After 28 months: €6,183.33 rate · balance €106,183.33After 29 months: €6,404.17 rate · balance €106,404.17After 30 months: €6,625.00 rate · balance €106,625.00After 31 months: €6,845.83 rate · balance €106,845.83After 32 months: €7,066.67 rate · balance €107,066.67After 33 months: €7,287.50 rate · balance €107,287.50After 34 months: €7,508.33 rate · balance €107,508.33After 35 months: €7,729.17 rate · balance €107,729.17After 36 months: €7,950.00 rate · balance €107,950.00After 37 months: €8,170.83 rate · balance €108,170.83After 38 months: €8,391.67 rate · balance €108,391.67After 39 months: €8,612.50 rate · balance €108,612.50After 40 months: €8,833.33 rate · balance €108,833.33After 41 months: €9,054.17 rate · balance €109,054.17After 42 months: €9,275.00 rate · balance €109,275.00After 43 months: €9,495.83 rate · balance €109,495.83After 44 months: €9,716.67 rate · balance €109,716.67After 45 months: €9,937.50 rate · balance €109,937.50After 46 months: €10,158.33 rate · balance €110,158.33After 47 months: €10,379.17 rate · balance €110,379.17After 48 months: €10,600.00 rate · balance €110,600.00After 49 months: €10,820.83 rate · balance €110,820.83After 50 months: €11,041.67 rate · balance €111,041.67After 51 months: €11,262.50 rate · balance €111,262.50After 52 months: €11,483.33 rate · balance €111,483.33After 53 months: €11,704.16 rate · balance €111,704.16After 54 months: €11,925.00 rate · balance €111,925.00After 55 months: €12,145.83 rate · balance €112,145.83After 56 months: €12,366.66 rate · balance €112,366.66After 57 months: €12,587.50 rate · balance €112,587.50After 58 months: €12,808.33 rate · balance €112,808.33After 59 months: €13,029.16 rate · balance €113,029.16After 60 months: €13,250.00 rate · balance €113,250.00After 61 months: €13,470.83 rate · balance €113,470.83After 62 months: €13,691.66 rate · balance €113,691.66After 63 months: €13,912.50 rate · balance €113,912.50After 64 months: €14,133.33 rate · balance €114,133.33After 65 months: €14,354.16 rate · balance €114,354.16After 66 months: €14,575.00 rate · balance €114,575.00After 67 months: €14,795.83 rate · balance €114,795.83After 68 months: €15,016.66 rate · balance €115,016.66After 69 months: €15,237.50 rate · balance €115,237.50After 70 months: €15,458.33 rate · balance €115,458.33After 71 months: €15,679.16 rate · balance €115,679.16After 72 months: €15,900.00 rate · balance €115,900.00After 73 months: €16,120.83 rate · balance €116,120.83After 74 months: €16,341.66 rate · balance €116,341.66After 75 months: €16,562.50 rate · balance €116,562.50After 76 months: €16,783.33 rate · balance €116,783.33After 77 months: €17,004.16 rate · balance €117,004.16After 78 months: €17,225.00 rate · balance €117,225.00After 79 months: €17,445.83 rate · balance €117,445.83After 80 months: €17,666.66 rate · balance €117,666.66After 81 months: €17,887.50 rate · balance €117,887.50After 82 months: €18,108.33 rate · balance €118,108.33After 83 months: €18,329.16 rate · balance €118,329.16After 84 months: €18,550.00 rate · balance €118,550.00After 85 months: €18,770.83 rate · balance €118,770.83After 86 months: €18,991.66 rate · balance €118,991.66After 87 months: €19,212.50 rate · balance €119,212.50After 88 months: €19,433.33 rate · balance €119,433.33After 89 months: €19,654.16 rate · balance €119,654.16After 90 months: €19,875.00 rate · balance €119,875.00After 91 months: €20,095.83 rate · balance €120,095.83After 92 months: €20,316.66 rate · balance €120,316.66After 93 months: €20,537.50 rate · balance €120,537.50After 94 months: €20,758.33 rate · balance €120,758.33After 95 months: €20,979.16 rate · balance €120,979.16After 96 months: €21,200.00 rate · balance €121,200.00After 97 months: €21,420.83 rate · balance €121,420.83After 98 months: €21,641.66 rate · balance €121,641.66After 99 months: €21,862.50 rate · balance €121,862.50After 100 months: €22,083.33 rate · balance €122,083.33After 101 months: €22,304.16 rate · balance €122,304.16After 102 months: €22,525.00 rate · balance €122,525.00After 103 months: €22,745.83 rate · balance €122,745.83After 104 months: €22,966.66 rate · balance €122,966.66After 105 months: €23,187.50 rate · balance €123,187.50After 106 months: €23,408.33 rate · balance €123,408.33After 107 months: €23,629.16 rate · balance €123,629.16After 108 months: €23,850.00 rate · balance €123,850.00After 109 months: €24,070.83 rate · balance €124,070.83After 110 months: €24,291.66 rate · balance €124,291.66After 111 months: €24,512.50 rate · balance €124,512.50After 112 months: €24,733.33 rate · balance €124,733.33After 113 months: €24,954.16 rate · balance €124,954.16After 114 months: €25,175.00 rate · balance €125,175.00After 115 months: €25,395.83 rate · balance €125,395.83After 116 months: €25,616.66 rate · balance €125,616.66After 117 months: €25,837.50 rate · balance €125,837.50After 118 months: €26,058.33 rate · balance €126,058.33After 119 months: €26,279.16 rate · balance €126,279.16After 120 months: €26,500.00 rate · balance €126,500.00
€ 0€ 10k€ 20kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs9 yrs10 yrs€26,500After 1 month: €220.83 rate · balance €100,220.83After 2 months: €441.67 rate · balance €100,441.67After 3 months: €662.50 rate · balance €100,662.50After 4 months: €883.33 rate · balance €100,883.33After 5 months: €1,104.17 rate · balance €101,104.17After 6 months: €1,325.00 rate · balance €101,325.00After 7 months: €1,545.83 rate · balance €101,545.83After 8 months: €1,766.67 rate · balance €101,766.67After 9 months: €1,987.50 rate · balance €101,987.50After 10 months: €2,208.33 rate · balance €102,208.33After 11 months: €2,429.17 rate · balance €102,429.17After 12 months: €2,650.00 rate · balance €102,650.00After 13 months: €2,870.83 rate · balance €102,870.83After 14 months: €3,091.67 rate · balance €103,091.67After 15 months: €3,312.50 rate · balance €103,312.50After 16 months: €3,533.33 rate · balance €103,533.33After 17 months: €3,754.17 rate · balance €103,754.17After 18 months: €3,975.00 rate · balance €103,975.00After 19 months: €4,195.83 rate · balance €104,195.83After 20 months: €4,416.67 rate · balance €104,416.67After 21 months: €4,637.50 rate · balance €104,637.50After 22 months: €4,858.33 rate · balance €104,858.33After 23 months: €5,079.17 rate · balance €105,079.17After 24 months: €5,300.00 rate · balance €105,300.00After 25 months: €5,520.83 rate · balance €105,520.83After 26 months: €5,741.67 rate · balance €105,741.67After 27 months: €5,962.50 rate · balance €105,962.50After 28 months: €6,183.33 rate · balance €106,183.33After 29 months: €6,404.17 rate · balance €106,404.17After 30 months: €6,625.00 rate · balance €106,625.00After 31 months: €6,845.83 rate · balance €106,845.83After 32 months: €7,066.67 rate · balance €107,066.67After 33 months: €7,287.50 rate · balance €107,287.50After 34 months: €7,508.33 rate · balance €107,508.33After 35 months: €7,729.17 rate · balance €107,729.17After 36 months: €7,950.00 rate · balance €107,950.00After 37 months: €8,170.83 rate · balance €108,170.83After 38 months: €8,391.67 rate · balance €108,391.67After 39 months: €8,612.50 rate · balance €108,612.50After 40 months: €8,833.33 rate · balance €108,833.33After 41 months: €9,054.17 rate · balance €109,054.17After 42 months: €9,275.00 rate · balance €109,275.00After 43 months: €9,495.83 rate · balance €109,495.83After 44 months: €9,716.67 rate · balance €109,716.67After 45 months: €9,937.50 rate · balance €109,937.50After 46 months: €10,158.33 rate · balance €110,158.33After 47 months: €10,379.17 rate · balance €110,379.17After 48 months: €10,600.00 rate · balance €110,600.00After 49 months: €10,820.83 rate · balance €110,820.83After 50 months: €11,041.67 rate · balance €111,041.67After 51 months: €11,262.50 rate · balance €111,262.50After 52 months: €11,483.33 rate · balance €111,483.33After 53 months: €11,704.16 rate · balance €111,704.16After 54 months: €11,925.00 rate · balance €111,925.00After 55 months: €12,145.83 rate · balance €112,145.83After 56 months: €12,366.66 rate · balance €112,366.66After 57 months: €12,587.50 rate · balance €112,587.50After 58 months: €12,808.33 rate · balance €112,808.33After 59 months: €13,029.16 rate · balance €113,029.16After 60 months: €13,250.00 rate · balance €113,250.00After 61 months: €13,470.83 rate · balance €113,470.83After 62 months: €13,691.66 rate · balance €113,691.66After 63 months: €13,912.50 rate · balance €113,912.50After 64 months: €14,133.33 rate · balance €114,133.33After 65 months: €14,354.16 rate · balance €114,354.16After 66 months: €14,575.00 rate · balance €114,575.00After 67 months: €14,795.83 rate · balance €114,795.83After 68 months: €15,016.66 rate · balance €115,016.66After 69 months: €15,237.50 rate · balance €115,237.50After 70 months: €15,458.33 rate · balance €115,458.33After 71 months: €15,679.16 rate · balance €115,679.16After 72 months: €15,900.00 rate · balance €115,900.00After 73 months: €16,120.83 rate · balance €116,120.83After 74 months: €16,341.66 rate · balance €116,341.66After 75 months: €16,562.50 rate · balance €116,562.50After 76 months: €16,783.33 rate · balance €116,783.33After 77 months: €17,004.16 rate · balance €117,004.16After 78 months: €17,225.00 rate · balance €117,225.00After 79 months: €17,445.83 rate · balance €117,445.83After 80 months: €17,666.66 rate · balance €117,666.66After 81 months: €17,887.50 rate · balance €117,887.50After 82 months: €18,108.33 rate · balance €118,108.33After 83 months: €18,329.16 rate · balance €118,329.16After 84 months: €18,550.00 rate · balance €118,550.00After 85 months: €18,770.83 rate · balance €118,770.83After 86 months: €18,991.66 rate · balance €118,991.66After 87 months: €19,212.50 rate · balance €119,212.50After 88 months: €19,433.33 rate · balance €119,433.33After 89 months: €19,654.16 rate · balance €119,654.16After 90 months: €19,875.00 rate · balance €119,875.00After 91 months: €20,095.83 rate · balance €120,095.83After 92 months: €20,316.66 rate · balance €120,316.66After 93 months: €20,537.50 rate · balance €120,537.50After 94 months: €20,758.33 rate · balance €120,758.33After 95 months: €20,979.16 rate · balance €120,979.16After 96 months: €21,200.00 rate · balance €121,200.00After 97 months: €21,420.83 rate · balance €121,420.83After 98 months: €21,641.66 rate · balance €121,641.66After 99 months: €21,862.50 rate · balance €121,862.50After 100 months: €22,083.33 rate · balance €122,083.33After 101 months: €22,304.16 rate · balance €122,304.16After 102 months: €22,525.00 rate · balance €122,525.00After 103 months: €22,745.83 rate · balance €122,745.83After 104 months: €22,966.66 rate · balance €122,966.66After 105 months: €23,187.50 rate · balance €123,187.50After 106 months: €23,408.33 rate · balance €123,408.33After 107 months: €23,629.16 rate · balance €123,629.16After 108 months: €23,850.00 rate · balance €123,850.00After 109 months: €24,070.83 rate · balance €124,070.83After 110 months: €24,291.66 rate · balance €124,291.66After 111 months: €24,512.50 rate · balance €124,512.50After 112 months: €24,733.33 rate · balance €124,733.33After 113 months: €24,954.16 rate · balance €124,954.16After 114 months: €25,175.00 rate · balance €125,175.00After 115 months: €25,395.83 rate · balance €125,395.83After 116 months: €25,616.66 rate · balance €125,616.66After 117 months: €25,837.50 rate · balance €125,837.50After 118 months: €26,058.33 rate · balance €126,058.33After 119 months: €26,279.16 rate · balance €126,279.16After 120 months: €26,500.00 rate · balance €126,500.00
Per year
AfterInterest up to thenBalance
1 year€2,650€102,650
2 years€5,300€105,300
3 years€7,950€107,950
4 years€10,600€110,600
5 years€13,250€113,250
6 years€15,900€115,900
7 years€18,550€118,550
8 years€21,200€121,200
9 years€23,850€123,850
10 years€26,500€126,500

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

1.25%1.75%2.25%2.75%3.25%16 Mar 202316 Dec 2024now2.65%1.75% from 16 Mar 2023 until 22 Apr 20232.15% from 22 Apr 2023 until 2 Jun 20232.25% from 2 Jun 2023 until 14 Aug 20232.65% from 14 Aug 2023 until 4 Oct 20232.75% from 4 Oct 2023 until 23 Nov 20232.85% from 23 Nov 2023 until 25 May 20242.95% from 25 May 2024 until 18 Jan 20252.25% from 18 Jan 2025 until 18 Aug 20252.35% from 18 Aug 2025 until 16 Oct 20252.50% from 16 Oct 2025 until 19 Jan 20262.65% from 19 Jan 2026 until 2 Sep 20262.65% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.65%current
19 Jan 20262.65%2 Sep 2026web archive
16 Oct 20252.50%19 Jan 2026web archive
18 Aug 20252.35%16 Oct 2025web archive
18 Jan 20252.25%18 Aug 2025web archive
25 May 20242.95%18 Jan 2025web archive
23 Nov 20232.85%25 May 2024web archive
4 Oct 20232.75%23 Nov 2023web archive
14 Aug 20232.65%4 Oct 2023web archive
2 Jun 20232.25%14 Aug 2023web archive
22 Apr 20232.15%2 Jun 2023web archive
16 Mar 20231.75%22 Apr 2023web archive

All historic rates of Triodos Bank →All savings products of Triodos Bank →

  • 2 Sep 2026New: Triodos Bank – Triodos Spaar Deposito (120 mo) 2.65%

Rate checked on 19 Sep 2026.