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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 · 5 years · Triodos Bank N.V. · Netherlands · Directly at the bank
Open an account at Triodos Bank
Rate
2.20%
5 years fixed
since 2 Sep 2026
Your return on €16,800
€370
per year, annualised · €1,848 total over 5 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 5 years: €1,848.
Interest built up over 5 years
€ 0€ 1kstart2 yrs4 yrs€1,848After 1 month: €30.80 rate · balance €16,830.80

Rate and conditions

BalanceRate
€0 – and up2.20%
Interest payout
yearly, paid out
Fees
none
Rate valid since
2 Sep 2026
Access
5 years fixed · early withdrawal with loss of interest
Term
5 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

1.00%1.50%2.00%2.50%3.00%16 Mar 202316 Dec 2024now2.20%1.50% from 16 Mar 2023 until 22 Apr 20232.05% from 22 Apr 2023 until 2 Jun 20232.25% from 2 Jun 2023 until 14 Aug 20232.50% from 14 Aug 2023 until 4 Oct 20232.65% 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 18 Aug 20252.05% from 18 Aug 2025 until 16 Oct 20252.10% from 16 Oct 2025 until 19 Jan 20262.20% from 19 Jan 2026 until 2 Sep 20262.20% 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% · Direct10 years · 2.65% · Direct
After 2 months: €61.60 rate · balance €16,861.60After 3 months: €92.40 rate · balance €16,892.40After 4 months: €123.20 rate · balance €16,923.20After 5 months: €154 rate · balance €16,954After 6 months: €184.80 rate · balance €16,984.80After 7 months: €215.60 rate · balance €17,015.60After 8 months: €246.40 rate · balance €17,046.40After 9 months: €277.20 rate · balance €17,077.20After 10 months: €308.00 rate · balance €17,108After 11 months: €338.80 rate · balance €17,138.80After 12 months: €369.60 rate · balance €17,169.60After 13 months: €400.40 rate · balance €17,200.40After 14 months: €431.20 rate · balance €17,231.20After 15 months: €462.00 rate · balance €17,262After 16 months: €492.80 rate · balance €17,292.80After 17 months: €523.60 rate · balance €17,323.60After 18 months: €554.40 rate · balance €17,354.40After 19 months: €585.20 rate · balance €17,385.20After 20 months: €616 rate · balance €17,416After 21 months: €646.80 rate · balance €17,446.80After 22 months: €677.60 rate · balance €17,477.60After 23 months: €708.40 rate · balance €17,508.40After 24 months: €739.20 rate · balance €17,539.20After 25 months: €770.00 rate · balance €17,570After 26 months: €800.80 rate · balance €17,600.80After 27 months: €831.60 rate · balance €17,631.60After 28 months: €862.40 rate · balance €17,662.40After 29 months: €893.20 rate · balance €17,693.20After 30 months: €924.00 rate · balance €17,724After 31 months: €954.80 rate · balance €17,754.80After 32 months: €985.60 rate · balance €17,785.60After 33 months: €1,016.40 rate · balance €17,816.40After 34 months: €1,047.20 rate · balance €17,847.20After 35 months: €1,078.00 rate · balance €17,878After 36 months: €1,108.80 rate · balance €17,908.80After 37 months: €1,139.60 rate · balance €17,939.60After 38 months: €1,170.40 rate · balance €17,970.40After 39 months: €1,201.20 rate · balance €18,001.20After 40 months: €1,232.00 rate · balance €18,032After 41 months: €1,262.80 rate · balance €18,062.80After 42 months: €1,293.60 rate · balance €18,093.60After 43 months: €1,324.40 rate · balance €18,124.40After 44 months: €1,355.20 rate · balance €18,155.20After 45 months: €1,386.00 rate · balance €18,186After 46 months: €1,416.80 rate · balance €18,216.80After 47 months: €1,447.60 rate · balance €18,247.60After 48 months: €1,478.40 rate · balance €18,278.40After 49 months: €1,509.20 rate · balance €18,309.20After 50 months: €1,540.00 rate · balance €18,340After 51 months: €1,570.80 rate · balance €18,370.80After 52 months: €1,601.60 rate · balance €18,401.60After 53 months: €1,632.40 rate · balance €18,432.40After 54 months: €1,663.20 rate · balance €18,463.20After 55 months: €1,694.00 rate · balance €18,494After 56 months: €1,724.80 rate · balance €18,524.80After 57 months: €1,755.60 rate · balance €18,555.60After 58 months: €1,786.40 rate · balance €18,586.40After 59 months: €1,817.20 rate · balance €18,617.20After 60 months: €1,848.00 rate · balance €18,648
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs5 yrs€1,848After 1 month: €30.80 rate · balance €16,830.80After 2 months: €61.60 rate · balance €16,861.60After 3 months: €92.40 rate · balance €16,892.40After 4 months: €123.20 rate · balance €16,923.20After 5 months: €154 rate · balance €16,954After 6 months: €184.80 rate · balance €16,984.80After 7 months: €215.60 rate · balance €17,015.60After 8 months: €246.40 rate · balance €17,046.40After 9 months: €277.20 rate · balance €17,077.20After 10 months: €308.00 rate · balance €17,108After 11 months: €338.80 rate · balance €17,138.80After 12 months: €369.60 rate · balance €17,169.60After 13 months: €400.40 rate · balance €17,200.40After 14 months: €431.20 rate · balance €17,231.20After 15 months: €462.00 rate · balance €17,262After 16 months: €492.80 rate · balance €17,292.80After 17 months: €523.60 rate · balance €17,323.60After 18 months: €554.40 rate · balance €17,354.40After 19 months: €585.20 rate · balance €17,385.20After 20 months: €616 rate · balance €17,416After 21 months: €646.80 rate · balance €17,446.80After 22 months: €677.60 rate · balance €17,477.60After 23 months: €708.40 rate · balance €17,508.40After 24 months: €739.20 rate · balance €17,539.20After 25 months: €770.00 rate · balance €17,570After 26 months: €800.80 rate · balance €17,600.80After 27 months: €831.60 rate · balance €17,631.60After 28 months: €862.40 rate · balance €17,662.40After 29 months: €893.20 rate · balance €17,693.20After 30 months: €924.00 rate · balance €17,724After 31 months: €954.80 rate · balance €17,754.80After 32 months: €985.60 rate · balance €17,785.60After 33 months: €1,016.40 rate · balance €17,816.40After 34 months: €1,047.20 rate · balance €17,847.20After 35 months: €1,078.00 rate · balance €17,878After 36 months: €1,108.80 rate · balance €17,908.80After 37 months: €1,139.60 rate · balance €17,939.60After 38 months: €1,170.40 rate · balance €17,970.40After 39 months: €1,201.20 rate · balance €18,001.20After 40 months: €1,232.00 rate · balance €18,032After 41 months: €1,262.80 rate · balance €18,062.80After 42 months: €1,293.60 rate · balance €18,093.60After 43 months: €1,324.40 rate · balance €18,124.40After 44 months: €1,355.20 rate · balance €18,155.20After 45 months: €1,386.00 rate · balance €18,186After 46 months: €1,416.80 rate · balance €18,216.80After 47 months: €1,447.60 rate · balance €18,247.60After 48 months: €1,478.40 rate · balance €18,278.40After 49 months: €1,509.20 rate · balance €18,309.20After 50 months: €1,540.00 rate · balance €18,340After 51 months: €1,570.80 rate · balance €18,370.80After 52 months: €1,601.60 rate · balance €18,401.60After 53 months: €1,632.40 rate · balance €18,432.40After 54 months: €1,663.20 rate · balance €18,463.20After 55 months: €1,694.00 rate · balance €18,494After 56 months: €1,724.80 rate · balance €18,524.80After 57 months: €1,755.60 rate · balance €18,555.60After 58 months: €1,786.40 rate · balance €18,586.40After 59 months: €1,817.20 rate · balance €18,617.20After 60 months: €1,848.00 rate · balance €18,648
Per year
AfterInterest up to thenBalance
1 year€370€17,170
2 years€739€17,539
3 years€1,109€17,909
4 years€1,478€18,278
5 years€1,848€18,648

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

1.00%1.50%2.00%2.50%3.00%16 Mar 202316 Dec 2024now2.20%1.50% from 16 Mar 2023 until 22 Apr 20232.05% from 22 Apr 2023 until 2 Jun 20232.25% from 2 Jun 2023 until 14 Aug 20232.50% from 14 Aug 2023 until 4 Oct 20232.65% 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 18 Aug 20252.05% from 18 Aug 2025 until 16 Oct 20252.10% from 16 Oct 2025 until 19 Jan 20262.20% from 19 Jan 2026 until 2 Sep 20262.20% from 2 Sep 2026 until now
FromRateUntil
2 Sep 20262.20%current
19 Jan 20262.20%2 Sep 2026web archive
16 Oct 20252.10%19 Jan 2026web archive
18 Aug 20252.05%16 Oct 2025web archive
18 Jan 20252.00%18 Aug 2025web archive
25 May 20242.70%18 Jan 2025web archive
23 Nov 20232.75%25 May 2024web archive
4 Oct 20232.65%23 Nov 2023web archive
14 Aug 20232.50%4 Oct 2023web archive
2 Jun 20232.25%14 Aug 2023web archive
22 Apr 20232.05%2 Jun 2023web archive
16 Mar 20231.50%22 Apr 2023web archive

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

  • 2 Sep 2026New: Triodos Bank – Triodos Spaar Deposito (60 mo) 2.20%

Rate checked on 18 Sep 2026.