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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 · 4 years · Triodos Bank N.V. · Netherlands · Directly at the bank
Open an account at Triodos Bank
Rate
2.15%
4 years fixed
since 2 Sep 2026
Your return on €25,000
€538
per year, annualised · €2,150 total over 4 years
Deposit guarantee
€25,000 fully protected
Dutch scheme

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

Your calculation for €25,000

Gross interest over 4 years: €2,150.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,150After 1 month: €44.79 rate · balance €25,044.79After 2 months: €89.58 rate · balance €25,089.58

Rate and conditions

BalanceRate
€0 – and up2.15%
Interest payout
yearly, paid out
Fees
none
Rate valid since
2 Sep 2026
Access
4 years fixed · early withdrawal with loss of interest
Term
4 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

€25,000 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

0.75%1.25%1.75%2.25%2.75%3.25%16 Mar 202316 Dec 2024now2.15%1.40% from 16 Mar 2023 until 22 Apr 20231.95% from 22 Apr 2023 until 2 Jun 20232.20% from 2 Jun 2023 until 14 Aug 20232.45% from 14 Aug 2023 until 4 Oct 20232.60% from 4 Oct 2023 until 23 Nov 20232.75% from 23 Nov 2023 until 25 May 20242.70% from 25 May 2024 until 18 Jan 20252.00% from 18 Jan 2025 until 2 Sep 20262.15% from 2 Sep 2026 until now
0.75%

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% · Direct5 years · 2.20% · Direct10 years · 2.65% · Direct
After 3 months: €134.38 rate · balance €25,134.38After 4 months: €179.17 rate · balance €25,179.17After 5 months: €223.96 rate · balance €25,223.96After 6 months: €268.75 rate · balance €25,268.75After 7 months: €313.54 rate · balance €25,313.54After 8 months: €358.33 rate · balance €25,358.33After 9 months: €403.13 rate · balance €25,403.13After 10 months: €447.92 rate · balance €25,447.92After 11 months: €492.71 rate · balance €25,492.71After 12 months: €537.50 rate · balance €25,537.50After 13 months: €582.29 rate · balance €25,582.29After 14 months: €627.08 rate · balance €25,627.08After 15 months: €671.88 rate · balance €25,671.88After 16 months: €716.67 rate · balance €25,716.67After 17 months: €761.46 rate · balance €25,761.46After 18 months: €806.25 rate · balance €25,806.25After 19 months: €851.04 rate · balance €25,851.04After 20 months: €895.83 rate · balance €25,895.83After 21 months: €940.63 rate · balance €25,940.63After 22 months: €985.42 rate · balance €25,985.42After 23 months: €1,030.21 rate · balance €26,030.21After 24 months: €1,075.00 rate · balance €26,075.00After 25 months: €1,119.79 rate · balance €26,119.79After 26 months: €1,164.58 rate · balance €26,164.58After 27 months: €1,209.38 rate · balance €26,209.38After 28 months: €1,254.17 rate · balance €26,254.17After 29 months: €1,298.96 rate · balance €26,298.96After 30 months: €1,343.75 rate · balance €26,343.75After 31 months: €1,388.54 rate · balance €26,388.54After 32 months: €1,433.33 rate · balance €26,433.33After 33 months: €1,478.13 rate · balance €26,478.13After 34 months: €1,522.92 rate · balance €26,522.92After 35 months: €1,567.71 rate · balance €26,567.71After 36 months: €1,612.50 rate · balance €26,612.50After 37 months: €1,657.29 rate · balance €26,657.29After 38 months: €1,702.08 rate · balance €26,702.08After 39 months: €1,746.88 rate · balance €26,746.88After 40 months: €1,791.67 rate · balance €26,791.67After 41 months: €1,836.46 rate · balance €26,836.46After 42 months: €1,881.25 rate · balance €26,881.25After 43 months: €1,926.04 rate · balance €26,926.04After 44 months: €1,970.83 rate · balance €26,970.83After 45 months: €2,015.63 rate · balance €27,015.63After 46 months: €2,060.42 rate · balance €27,060.42After 47 months: €2,105.21 rate · balance €27,105.21After 48 months: €2,150.00 rate · balance €27,150.00
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,150After 1 month: €44.79 rate · balance €25,044.79After 2 months: €89.58 rate · balance €25,089.58After 3 months: €134.38 rate · balance €25,134.38After 4 months: €179.17 rate · balance €25,179.17After 5 months: €223.96 rate · balance €25,223.96After 6 months: €268.75 rate · balance €25,268.75After 7 months: €313.54 rate · balance €25,313.54After 8 months: €358.33 rate · balance €25,358.33After 9 months: €403.13 rate · balance €25,403.13After 10 months: €447.92 rate · balance €25,447.92After 11 months: €492.71 rate · balance €25,492.71After 12 months: €537.50 rate · balance €25,537.50After 13 months: €582.29 rate · balance €25,582.29After 14 months: €627.08 rate · balance €25,627.08After 15 months: €671.88 rate · balance €25,671.88After 16 months: €716.67 rate · balance €25,716.67After 17 months: €761.46 rate · balance €25,761.46After 18 months: €806.25 rate · balance €25,806.25After 19 months: €851.04 rate · balance €25,851.04After 20 months: €895.83 rate · balance €25,895.83After 21 months: €940.63 rate · balance €25,940.63After 22 months: €985.42 rate · balance €25,985.42After 23 months: €1,030.21 rate · balance €26,030.21After 24 months: €1,075.00 rate · balance €26,075.00After 25 months: €1,119.79 rate · balance €26,119.79After 26 months: €1,164.58 rate · balance €26,164.58After 27 months: €1,209.38 rate · balance €26,209.38After 28 months: €1,254.17 rate · balance €26,254.17After 29 months: €1,298.96 rate · balance €26,298.96After 30 months: €1,343.75 rate · balance €26,343.75After 31 months: €1,388.54 rate · balance €26,388.54After 32 months: €1,433.33 rate · balance €26,433.33After 33 months: €1,478.13 rate · balance €26,478.13After 34 months: €1,522.92 rate · balance €26,522.92After 35 months: €1,567.71 rate · balance €26,567.71After 36 months: €1,612.50 rate · balance €26,612.50After 37 months: €1,657.29 rate · balance €26,657.29After 38 months: €1,702.08 rate · balance €26,702.08After 39 months: €1,746.88 rate · balance €26,746.88After 40 months: €1,791.67 rate · balance €26,791.67After 41 months: €1,836.46 rate · balance €26,836.46After 42 months: €1,881.25 rate · balance €26,881.25After 43 months: €1,926.04 rate · balance €26,926.04After 44 months: €1,970.83 rate · balance €26,970.83After 45 months: €2,015.63 rate · balance €27,015.63After 46 months: €2,060.42 rate · balance €27,060.42After 47 months: €2,105.21 rate · balance €27,105.21After 48 months: €2,150.00 rate · balance €27,150.00
Per year
AfterInterest up to thenBalance
1 year€538€25,538
2 years€1,075€26,075
3 years€1,613€26,613
4 years€2,150€27,150

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 2024now2.15%1.40% from 16 Mar 2023 until 22 Apr 20231.95% from 22 Apr 2023 until 2 Jun 20232.20% from 2 Jun 2023 until 14 Aug 20232.45% from 14 Aug 2023 until 4 Oct 20232.60% from 4 Oct 2023 until 23 Nov 20232.75% from 23 Nov 2023 until 25 May 20242.70% from 25 May 2024 until 18 Jan 20252.00% from 18 Jan 2025 until 2 Sep 20262.15% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.15%current
18 Jan 20252.00%2 Sep 2026web archive
25 May 20242.70%18 Jan 2025web archive
23 Nov 20232.75%25 May 2024web archive
4 Oct 20232.60%23 Nov 2023web archive
14 Aug 20232.45%4 Oct 2023web archive
2 Jun 20232.20%14 Aug 2023web archive
22 Apr 20231.95%2 Jun 2023web archive
16 Mar 20231.40%22 Apr 2023web archive

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

  • 2 Sep 2026New: Triodos Bank – Triodos Spaar Deposito (48 mo) 2.15%

Rate checked on 18 Sep 2026.