Best Fixed-Term Deposit Rates in the Netherlands
8 providers we track offer a one-year fixed-term deposit covered by a deposit guarantee. The highest one-year rate is 3%, at Klarna Vaste rekening; the lowest is 1.85%. For comparison, the best standard rate on these providers’ ordinary savings accounts is 2.25%, at Openbank Welcome Savings.
| # | Product | 1 year fixed | Why it ranks here |
|---|---|---|---|
| 1 | 1. Klarna SavingsKlarna  | 3% | Not re-confirmed since 5 October 2026 · Klarna Vaste rekening · No minimum deposit · Terms from 3 months to 4 years |
| 2 | 2. SpaarrekeningAyvens Bank | 2.75% | Not re-confirmed since 5 October 2026 · Ayvens Deposito Sparen · From €1,000 · Terms from 3 months to 5 years |
| 3 | 3. ASN SparenASN Bank  | 2.6% | Not re-confirmed since 5 October 2026 · ASN Depositosparen · From €500 · Terms from 1 year to 10 years |
| 4 | 4. Internet SparenTriodos Bank  | 2.35% | Not re-confirmed since 5 October 2026 · Triodos Spaar Deposito · From €500 · Terms from 3 months to 10 years |
| 5 | 5. Easy Savingsbunq  | 2.11% | Not re-confirmed since 5 October 2026 · bunq Term Deposit · From €1,000 · Terms from 3 months to 2 years |
| 6 | 6. ABN AMRO SavingsABN AMRO  | 2% | Not re-confirmed since 5 October 2026 · ABN AMRO Spaar Deposito · From €500 · Terms from 1 year to 10 years |
| 7 | 7. Welcome SavingsOpenbank  | 1.9% | Not re-confirmed since 5 October 2026 · Open Spaardeposito · From €1 · Terms from 3 months to 1 year |
| 8 | 8. Rabo SpaargeldRabobank  | 1.85% | Not re-confirmed since 5 October 2026 · Rabo Deposito · From €5,000 · Terms from 6 months to 1 year |
8 one-year fixed-term deposits, ranked on live data (2026). How we rank
How this ranking works
A fixed-term deposit (spaardeposito or termijndeposito) pays a rate that is set for the whole term, in return for money you can’t take out when you like: some providers don’t allow early withdrawal at all, others charge a fee or pay a lower rate if you leave early. Each provider’s conditions are under the rate on its account page. This ranking compares the one-year term; the savings rates page shows every term from three months to ten years.
- Ranked on the one-year fixed rate, as the provider’s own page states it
- Only rates checked against the provider in the last 30 days; a rate the provider’s page no longer shows is left out
- Only providers whose deposits are fully covered by a deposit guarantee scheme
- Where a provider offers two one-year deposits (a green one, say), the higher rate counts
The top three, head to head
Questions
What is a fixed-term deposit?
A savings product where you put in an amount for an agreed term, such as one year, at a rate that does not change for that term. In return the money is locked: some providers do not let you take it out early at all, others allow it for a fee or at a lower rate. Several do not let you add money to a deposit once it has started. Each provider’s conditions are on its account page.
Which one-year fixed-term deposit pays the most right now?
Klarna Vaste rekening, at 3% for one year, followed by Ayvens Deposito Sparen at 2.75%. Rates are re-checked against the providers’ pages.
Is a fixed-term deposit covered by the deposit guarantee?
Yes, a deposit at a bank is covered like a savings account, up to €100,000 per person per bank. It counts together with your other money at that bank, so a deposit and a savings account at the same bank share one €100,000.
Is it worth fixing for a year instead of keeping the money in a savings account?
At 7 of these 8 providers the one-year deposit pays more than the same provider’s ordinary savings account. Whether the difference is worth locking the money away depends on whether you might need it within the year: keep an emergency fund where you can reach it.