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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 · 3 years · Triodos Bank N.V. · Netherlands · Directly at the bank
Open an account at Triodos Bank
Rate
2.15%
3 years fixed
since 2 Sep 2026
Your return on €16,800
€361
per year, annualised · €1,084 total over 3 years
Deposit guarantee
€16,800 fully protected
Dutch scheme

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

Your calculation for €16,800

Gross interest over 3 years: €1,084.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,084After 1 month: €30.10 rate · balance €16,830.10After 2 months: €60.20 rate · balance €16,860.20After 3 months: €90.30 rate · balance €16,890.30After 4 months: €120.40 rate · balance €16,920.40

Rate and conditions

BalanceRate
€0 – and up2.15%
Interest payout
yearly, paid out
Fees
none
Rate valid since
2 Sep 2026
Access
3 years fixed · early withdrawal with loss of interest
Term
3 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

€16,800 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

0.75%1.25%1.75%2.25%2.75%3.25%16 Mar 202316 Dec 2024now2.15%1.35% from 16 Mar 2023 until 22 Apr 20231.85% from 22 Apr 2023 until 2 Jun 20232.15% from 2 Jun 2023 until 14 Aug 20232.40% from 14 Aug 2023 until 4 Oct 20232.55% from 4 Oct 2023 until 23 Nov 20232.70% from 23 Nov 2023 until 25 May 20242.70% from 25 May 2024 until 18 Jan 20252.00% from 18 Jan 2025 until 16 Oct 20251.95% from 16 Oct 2025 until 19 Jan 20261.90% from 19 Jan 2026 until 13 Jun 20262.00% from 13 Jun 2026 until 2 Sep 20262.15% 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% · Direct4 years · 2.15% · Direct5 years · 2.20% · Direct10 years · 2.65% · Direct
After 5 months: €150.50 rate · balance €16,950.50After 6 months: €180.60 rate · balance €16,980.60After 7 months: €210.70 rate · balance €17,010.70After 8 months: €240.80 rate · balance €17,040.80After 9 months: €270.90 rate · balance €17,070.90After 10 months: €301 rate · balance €17,101After 11 months: €331.10 rate · balance €17,131.10After 12 months: €361.20 rate · balance €17,161.20After 13 months: €391.30 rate · balance €17,191.30After 14 months: €421.40 rate · balance €17,221.40After 15 months: €451.50 rate · balance €17,251.50After 16 months: €481.60 rate · balance €17,281.60After 17 months: €511.70 rate · balance €17,311.70After 18 months: €541.80 rate · balance €17,341.80After 19 months: €571.90 rate · balance €17,371.90After 20 months: €602.00 rate · balance €17,402After 21 months: €632.10 rate · balance €17,432.10After 22 months: €662.20 rate · balance €17,462.20After 23 months: €692.30 rate · balance €17,492.30After 24 months: €722.40 rate · balance €17,522.40After 25 months: €752.50 rate · balance €17,552.50After 26 months: €782.60 rate · balance €17,582.60After 27 months: €812.70 rate · balance €17,612.70After 28 months: €842.80 rate · balance €17,642.80After 29 months: €872.90 rate · balance €17,672.90After 30 months: €903.00 rate · balance €17,703After 31 months: €933.10 rate · balance €17,733.10After 32 months: €963.20 rate · balance €17,763.20After 33 months: €993.30 rate · balance €17,793.30After 34 months: €1,023.40 rate · balance €17,823.40After 35 months: €1,053.50 rate · balance €17,853.50After 36 months: €1,083.60 rate · balance €17,883.60
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,084After 1 month: €30.10 rate · balance €16,830.10After 2 months: €60.20 rate · balance €16,860.20After 3 months: €90.30 rate · balance €16,890.30After 4 months: €120.40 rate · balance €16,920.40After 5 months: €150.50 rate · balance €16,950.50After 6 months: €180.60 rate · balance €16,980.60After 7 months: €210.70 rate · balance €17,010.70After 8 months: €240.80 rate · balance €17,040.80After 9 months: €270.90 rate · balance €17,070.90After 10 months: €301 rate · balance €17,101After 11 months: €331.10 rate · balance €17,131.10After 12 months: €361.20 rate · balance €17,161.20After 13 months: €391.30 rate · balance €17,191.30After 14 months: €421.40 rate · balance €17,221.40After 15 months: €451.50 rate · balance €17,251.50After 16 months: €481.60 rate · balance €17,281.60After 17 months: €511.70 rate · balance €17,311.70After 18 months: €541.80 rate · balance €17,341.80After 19 months: €571.90 rate · balance €17,371.90After 20 months: €602.00 rate · balance €17,402After 21 months: €632.10 rate · balance €17,432.10After 22 months: €662.20 rate · balance €17,462.20After 23 months: €692.30 rate · balance €17,492.30After 24 months: €722.40 rate · balance €17,522.40After 25 months: €752.50 rate · balance €17,552.50After 26 months: €782.60 rate · balance €17,582.60After 27 months: €812.70 rate · balance €17,612.70After 28 months: €842.80 rate · balance €17,642.80After 29 months: €872.90 rate · balance €17,672.90After 30 months: €903.00 rate · balance €17,703After 31 months: €933.10 rate · balance €17,733.10After 32 months: €963.20 rate · balance €17,763.20After 33 months: €993.30 rate · balance €17,793.30After 34 months: €1,023.40 rate · balance €17,823.40After 35 months: €1,053.50 rate · balance €17,853.50After 36 months: €1,083.60 rate · balance €17,883.60
Per year
AfterInterest up to thenBalance
1 year€361€17,161
2 years€722€17,522
3 years€1,084€17,884

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

0.75%1.25%1.75%2.25%2.75%3.25%16 Mar 202316 Dec 2024now2.15%1.35% from 16 Mar 2023 until 22 Apr 20231.85% from 22 Apr 2023 until 2 Jun 20232.15% from 2 Jun 2023 until 14 Aug 20232.40% from 14 Aug 2023 until 4 Oct 20232.55% from 4 Oct 2023 until 23 Nov 20232.70% from 23 Nov 2023 until 25 May 20242.70% from 25 May 2024 until 18 Jan 20252.00% from 18 Jan 2025 until 16 Oct 20251.95% from 16 Oct 2025 until 19 Jan 20261.90% from 19 Jan 2026 until 13 Jun 20262.00% from 13 Jun 2026 until 2 Sep 20262.15% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.15%current
13 Jun 20262.00%2 Sep 2026web archive
19 Jan 20261.90%13 Jun 2026web archive
16 Oct 20251.95%19 Jan 2026web archive
18 Jan 20252.00%16 Oct 2025web archive
25 May 20242.70%18 Jan 2025web archive
23 Nov 20232.70%25 May 2024web archive
4 Oct 20232.55%23 Nov 2023web archive
14 Aug 20232.40%4 Oct 2023web archive
2 Jun 20232.15%14 Aug 2023web archive
22 Apr 20231.85%2 Jun 2023web archive
16 Mar 20231.35%22 Apr 2023web archive

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

  • 2 Sep 2026New: Triodos Bank – Triodos Spaar Deposito (36 mo) 2.15%

Rate checked on 18 Sep 2026.