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Economy and Banking Sector of the Netherlands

Netherlands
Location
Western Europe
Population  (2017)
17 081 507  (+0.01%)
EU Status
member since 1952
Currency
EUR (Euro)
Nominal GDP (2016)
697.2 bln EUR  (+0.02%)
Credit Ratings (as of Sep 2016)
AAA/Aaa
Consolidated Banking Assets (2016)
2 532.98 bln EUR  (+0.20%)
Deposit Guarantee
100 000 EUR
Number of Banks
99

The Netherlands is a founding member of the European Union located in Northern Europe.

Economy of the Netherlands is very diversified with the main sectors ranging from a highly mechanised agricultural sector and fishing to metal and engineering products, electronic machinery and equipment, chemicals, petroleum, construction, and microelectronics. Due to the strategic geographic location of the Netherlands, other important parts of the economy are those gaining agvantages from the Netherlands' location: international trade, banking and transport.

The Netherlands has a favourable financial infrastructure with a long tradition in banking, retirement management, pension funds, investments and insurance products. In addition to the major Dutch banks such as ABN AMRO, ING, SNS Bank and Rabobank, the Netherlands houses branches of approximately 50 foreign banks.

List of Banks in Netherlands
Major Banks in the Netherlands
Taking a Mortgage Loan in the Netherlands

National Currency

Euro (EUR)

Netherlands joined the Euro Area on 1 January 1999.

GDP

Nominal GDP (2016)Nominal GDP per Capita (2016)Real GDP Growth (2016)
697.2 bln EUR  (+0.02%)40 900 EUR  (+0.02%)2.2 %  (2015: 2.3 %)

According to Eurostat, nominal GDP of Netherlands in 2016 was 697.2 bln EUR.

Netherlands outperforms the European Union in terms of real GDP growth with the average annual differential coming to 0.1% over the past 10 years (2006 - 2016). In 2016 real GDP growth was 2.2% which was above the Euro Area average (1.8%) and above the European Union average (1.9%). Real GDP growth in 2017 - 2022 are IMF's estimates.

Real GDP Growth in Netherlands.

Chart 1. Real GDP Growth in Netherlands. Source: Eurostat, International Monetary Fund.

In 2016, nominal GDP per capita in Netherlands was 40 900 EUR.

Netherlands has an above-average level of wealth in terms of per-capita GDP at purchasing power parity (PPP); this economic welfare indicator has, on average, exceeded that of the European Union by 27.6% over the past 10 years (2006 - 2016). GDP per capita at PPP in 2017 - 2022 are IMF's estimates.

GDP Per Capita at Purchasing Power Parity in  Netherlands; European Union = 100.

Chart 2. GDP Per Capita at Purchasing Power Parity in Netherlands; European Union = 100.

Inflation Rate

CPI, MoM (Sep 2017)CPI, YoY (Sep 2017)CPI, Year Average (2016)
-0.4 %  (Aug 2017: 0.2 %)1.4 %  (Aug 2017: 1.5 %)0.1 %  (2015: 0.2 %)

According to Eurostat, inflation rate in Netherlands in 2016 expressed as annual percentages of average consumer prices was 0.1% which was below the Euro Area average (0.2%) and below the European Union average (0.3%). Inflation rates in 2017 - 2022 are IMF's estimates.

Inflation Rate in Netherlands.

Chart 3. Inflation Rate in Netherlands. Source: Eurostat, International Monetary Fund.

Unemployment Rate

Unemployment Rate (2016)
6.0 %  (2015: 6.9 %)

Government Bond Yield

Government Bond Yield (Sep 2017)
0.53 %  (Aug 2017: 0.54 %)
According to Eurostat, government bond yield in Netherlands in Sep 2017 was 0.53%, compared to 0.54% in Aug 2017.
Government bond yield of Netherlands.

Chart 4. Government bond yield of Netherlands. Source: Eurostat.

Credit Ratings (as of Sep 2016)

Fitch Moody's
AAA (highest credit quality), outlook stable Aaa (prime), outlook stable

Withholding Tax

Withholding taxes are imposed at source of income and are often applied to dividends, interest, royalties, rent and similar payments. The rates of withholding tax are often reduced by double taxation agreements.

Withholding Tax Rates in the Netherlands: 0.0 - 15.0%

Withholding tax rates applied on payments of interest and dividends in Netherlands are shown in Table 1.

Dividends Interest
Natural person, resident 15.0 %0.0 %
Natural person, non-resident 15.0 %0.0 %
Table 1. Withholding tax rates in Netherlands.

Double Taxation Agreements

Double Taxation Agreement (DTA) is an agreement between two or more countries for the avoidance of double taxation.

DTAs of the Netherlands: 96 Signed Agreements

Netherlands signed DTAs which already came info force with the following jurisdictions (for agreements which came into force after 1 January 2013 the date of coming into force is given in brackets):

 Albania
 Argentina
 Armenia
 Aruba
 Australia
 Austria
 Azerbaijan
 Bahrain
 Bangladesh
 Barbados
 Belarus
 Belgium
 Bosnia and Herzegovina
 Brazil
 Bulgaria
 Canada
 China
 Croatia
 Curacao
 Czech Republic
 Denmark
 Egypt
 Estonia
 Finland
 France
 Georgia
 Germany
 Ghana
 Greece
 Hong Kong
 Hungary
 Iceland
 India
 Indonesia
 Ireland
 Israel
 Italy
 Japan
 Jordan
 Kazakhstan
 Korea, Republic of
 Kuwait
 Kyrgyzstan
 Latvia
 Lithuania
 Luxembourg
 Macedonia
 Malawi
 Malaysia
 Malta
 Mexico
 Moldova, Republic of
 Mongolia
 Montenegro
 Morocco
 New Zealand
 Nigeria
 Norway
 Oman
 Pakistan
 Panama
 Philippines
 Poland
 Portugal
 Qatar
 Romania
 Russian Federation
 Saudi Arabia
 Serbia
 Singapore
 Sint Maarten (Dutch part)
 Slovakia
 Slovenia
 South Africa
 Spain
 Sri Lanka
 Suriname
 Sweden
 Switzerland
 Tajikistan
 Thailand
 Tunisia
 Turkey
 Uganda
 Ukraine
 United Arab Emirates
 United Kingdom
 United States
 Uzbekistan
 Venezuela
 Vietnam
 Zambia
 Zimbabwe

There are also several agreements between Netherlands and other jurisdictions which were signed but haven't yet come into force (for agreements signed after after 1 January 2013 of signing the agreement is given in brackets):

 China (May 2013)
 Ethiopia
 Germany

Information Exchange

There are 3 ways for jusrisdictions to exchange information on tax matters:

  • spontaneously;
  • on request;
  • automatically.

Spontaneous exchange of information is provision of information that is forseeably relevant to another party without a request being previously sent.

Tax Information Exchange Agreements (TIEAs) enable exchange of information on request relating to a specific tax investigation, either criminal or civil.

Automatic information exchange allows jurisdictions to exchange information automatically, without having a specific tax investigation.

Exchange on Request: 29 Signed Agreements

Netherlands signed TIEAs which already came info force with the following jurisdictions (for agreements which came into force after 1 January 2013 the date of coming into force is given in brackets):

 Andorra
 Anguilla
 Antigua and Barbuda
 Bahamas
 Belize
 Bermuda
 British Virgin Islands (Jul 2013)
 Cayman Islands
 Cook Islands
 Costa Rica
 Dominica
 Gibraltar
 Grenada
 Guernsey
 Isle of Man
 Jersey
 Liberia
 Liechtenstein
 Marshall Islands
 Monaco
 Montserrat
 Saint Kitts and Nevis
 Saint Lucia
 Saint Vincent and The Grenadines
 Samoa
 San Marino
 Seychelles
 Turks and Caicos Islands

There are also several agreements between Netherlands and other jurisdictions which was signed but haven't yet come into force (for agreements signed after 1 January 2013 of signing the agreement is given in brackets):

 Uruguay

Automatic Exchange: Starts in September 2017

Netherlands signed the automatic information exchange agreement on 29 October 2014 and committed to start the automatic information exchange in September 2017.

Automatic Excnange: 57 Bilateral Agreements to Receive Information

the Netherlands has signed bilateral agreements with 57 jurisdictions to automatically receive information:

 Andorra
 Argentina
 Australia
 Austria
 Belgium
 Brazil
 Bulgaria
 Canada
 China
 Colombia
 Croatia
 Cyprus
 Czech Republic
 Denmark
 Estonia
 Faroe Islands
 Finland
 France
 Germany
 Gibraltar
 Greece
 Greenland
 Guernsey
 Hungary
 Iceland
 India
 Ireland
 Isle of Man
 Italy
 Japan
 Jersey
 Korea, Republic of
 Latvia
 Liechtenstein
 Lithuania
 Luxembourg
 Malaysia
 Malta
 Mauritius
 Mexico
 Monaco
 New Zealand
 Norway
 Poland
 Portugal
 Romania
 San Marino
 Seychelles
 Singapore
 Slovakia
 Slovenia
 South Africa
 Spain
 Sweden
 Switzerland
 United Kingdom
 Uruguay

Automatic Excnange: 69 Bilateral Agreements to Send Information

the Netherlands has signed bilateral agreements with 69 jurisdictions to automatically send information:

 Andorra
 Anguilla
 Argentina
 Australia
 Austria
 Belgium
 Belize
 Bermuda
 Brazil
 British Virgin Islands
 Bulgaria
 Canada
 Cayman Islands
 China
 Colombia
 Costa Rica
 Croatia
 Cyprus
 Czech Republic
 Denmark
 Estonia
 Faroe Islands
 Finland
 France
 Germany
 Gibraltar
 Greece
 Greenland
 Guernsey
 Hungary
 Iceland
 India
 Indonesia
 Ireland
 Isle of Man
 Italy
 Japan
 Jersey
 Korea, Republic of
 Latvia
 Liechtenstein
 Lithuania
 Luxembourg
 Malaysia
 Malta
 Mauritius
 Mexico
 Monaco
 Montserrat
 New Zealand
 Norway
 Poland
 Portugal
 Romania
 Saint Lucia
 Saint Vincent and The Grenadines
 Samoa
 San Marino
 Seychelles
 Singapore
 Slovakia
 Slovenia
 South Africa
 Spain
 Sweden
 Switzerland
 Turks and Caicos Islands
 United Kingdom
 Uruguay

Further Information

FATCA

Foreign Account Tax Compliance Act (FATCA) which became law in the United States in March 2010, focuses on reporting made by foreign financial institutions about financial accounts held by US taxpayers or foreign entities in which US taxpayers hold a substantial ownership interest. The FATCA-reporting is facilitated by Intergovernmental Agreements (IGAs).

FATCA Status in the Netherlands
IGA in effect since 18 December 2013, Model 1

Netherlands has FATCA agreement with the U.S. in effect since 18 December 2013 (Intergovernmental Agreement Model 1). Financial institutions operating in Netherlands are required to identify U.S. taxpayers by January 1, 2017 and to report the information for 2017 and the subsequent years. The agreement is reciprocal: the Netherlands' financial accounts hold in U.S. financial institutions will be reported to the Netherlands' authorities.

Further Information

Financial Market Development

Financial Market Development
4.6 (max 7.0), 28th out of 138 countries
Banks' Soundness
5.4 (max 7.0), 41st out of 138 countries

According to World Economic Forum's Global Competitiveness Report 2017-2018, financial market development in Netherlands is scored 4.6 out of maximum 7.0 and ranked 28th out of 138 analysed economies, trustworthiness and confidence of financial market is scored 4.6 (50th place).

Financial Market Development in Netherlands.

Chart 5. Financial Market Development in Netherlands. Source: WEF.


Soundness of banks is scored 5.4 bringing Netherlands into the 41st place.

Soundness of Banks in Netherlands.

Chart 6. Soundness of Banks in Netherlands. Source: WEF.

Further Information

Deposit Guarantee Scheme

Maximum Protected Amount
100 000 EUR

Deposit Guarantee Schemes compensate certain deposits held by depositors of a bank that becomes unable to meet its obligations.

From a depositor's point of view it is important to know:

  • if the depositor is eligible within the terms of the deposit guarantee scheme;
  • if the depositor's bank is a participant in the deposit guarantee scheme;
  • if the depositor's type of deposit is covered by the deposit guarantee scheme.

All these details about deposit guarantee scheme in Netherlands are summarised in Table 2.

Scheme Participantsall credit institutions operating in Netherlands, branches of non-EEA banks, branches of the Netherlands' banks abroad
Scheme Exemptionsbranches of EEA-banks (covered by their home countries)
Eligible Depositorsprivate individuals, small companies
Covered Accountsnearly every payment or savings account, current account or term deposit is covered
Maximum Protected Amount100 000 EUR
Paid In CurrencyEUR

Table 2. Deposit guarantee scheme in Netherlands.

EEA stands for European Economic Area and consists of all EU member states plus Liechtenstein, Norway and Iceland.

Further Information

Country Ceiling for Deposits

Moody's country ceilings for deposits specify the highest rating that can be assigned to local- or foreign- currency denominated deposit obligations of a bank or other deposit taking institution domiciled within that country.

Local Currency (Euro) Foreign Currency
Aaa (prime) Aaa (prime)

Local currency (Euro) deposit ceiling for Netherlands is set to Aaa (prime), foreign currency deposit ceiling is Aaa (prime).

Deposit Rates

Average Deposit Rate (Aug 2017, EUR)
1.40 %  (Jul 2017: 1.33 %)
In Aug 2017, an agreed annualised deposit rate in local currency (Euro) of new contracts with agreed maturity up to 1 year between credit institutions and households was 1.40% which was above the Euro Area average (0.36%).
Deposit Rates in Netherlands.

Chart 7. Deposit Rates in Netherlands. Source: ECB.

Further Information

Banking Sector Structure

Number of Banks
99
Consolidated Assets (2016)
2 532.98 bln EUR  (+0.20%)
Recent Changes (2016)
new banks: 4, closed banks: 111

Currently there are 99 credit institutions operating in Netherlands.

In 2016 consolidated banking assets in the Netherlands were 2 532.98 bln EUR. The consolidated banking assets' evolution is shown at Chart 8 below.

Consolidated banking assets in Netherlands.

Chart 8. Consolidated banking assets in Netherlands.

Recent structural changes (2013 - 2016) of the banking sector of Netherlands are summarised in Table 3.

2013201420152016
Number of Opened Banks4774
Number of Closed Banks103817111

Table 3. Recent structural changes in the banking sector of Netherlands.

The list of the most recently opened banks in Netherlands is provided in Table 4.

NameStart Date
 UBS Europe SE, Netherlands Branch (new)December 2016
 J.P. Morgan Europe Limited (new)October 2016
 Credit Suisse (Luxembourg) S.A., Netherlands Branch (new)May 2016
 Intesa Sanpaolo Bank Luxembourg Amsterdam Branch (new)April 2016
 Bank Degroof Petercam SA (new)December 2015
 Bank of America Merrill Lynch International Limited (new)October 2015
 Citibank Europe Plc (new)October 2015
 Credit Suisse International (new)October 2015
 Maple Bank GmbH (closed)August 2015
 China Construction Bank (Europe) S.A. (new)April 2015
 

Table 4. The most recently opened banks in Netherlands.

All the credit institutions operating in Netherlands can be classified into several categories. Table 5 summarises the number of banks in each category.

CategoryNumber of Banks
Banks48
Branches of foreign banks50
Central banks1

Table 5. Number of banks by category in Netherlands.

There are 50 branches of foreign banks from 12 different countries in Netherlands. Table 6 shows 10 countries having the biggest number of branches in Netherlands.

Country of OriginNumber of Branches
 United Kingdom14
 Germany9
 France8
 Luxembourg7
 Belgium4
 Sweden2
 Netherlands1
 United States1
 Korea, Republic of1
 Taiwan1

Table 6. Number of branches of foreign banks in Netherlands grouped by country of origin.

Major Banks of the Netherlands

RankNameTotal Assets
1 ING Bank NV843919.00 mln EUR
2 Coöperatieve Rabobank U.A.672484.00 mln EUR
3 ABN AMRO Bank NV394482.00 mln EUR
4 de Volksbank N.V.61561.00 mln EUR
5 NIBC Bank N.V.23580.00 mln EUR
6 Achmea Bank N.V.14985.32 mln EUR
7 F. van Lanschot Bankiers N.V.14877.41 mln EUR
 

ING Bank N.V.

ING Bank is a member of ING Group, a financial company specializing in insurance and banking. ING Bank is a universal bank offering a wide range of products and services to individuals, families, small businesses, large corporations, financial institutions, governments, public and private institutions and supranational bodies. ING Bank is a market leader in "Benelux" countries (the Netherlands, Belgium and Luxembourg) where it currently has strong market positions in retail and commercial banking.

Services
Retail Banking
Private Banking
Commercial Banking
Insurance

Retail Banking Products

ING Bank N.V. is the 1st largest bank in the Netherlands in terms of total assets. In 2016 its total assets were 843,92 bln EUR. In 2016 the bank's net income was 4 227,00 mln EUR.

ING Bank N.V. is rated by Fitch, Moody's. Long-term credit rating assigned to the bank by Fitch is A+ (high credit quality). Long-term credit rating assigned to the bank by Moody's is A1 (upper medium grade). ING Bank N.V. participates in deposit guarantee scheme of the Netherlands. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Coöperatieve Rabobank U.A.

Coöperatieve Rabobank U.A. (commonly known as Rabobank Nederland) was established in 1898as a rural credit cooperative and is a head bank of Rabobank Group, an international financial services provider, active in the areas of banking, asset management, leasing, insurance and real estate. Rabobank Nederland provides a wide range of retail banking products and services to individuals and business customers.

Services
Retail Banking
Private Banking
Corporate Banking
Insurance

Retail Banking Products

Coöperatieve Rabobank U.A. is the 2nd largest bank in the Netherlands in terms of total assets. In 2016 its total assets were 672,48 bln EUR. In 2016 the bank's net income was 1 960,00 mln EUR.

Coöperatieve Rabobank U.A. is rated by Fitch, Moody's. Long-term credit rating assigned to the bank by Fitch is AA- (very high credit quality). Long-term credit rating assigned to the bank by Moody's is Aa2 (high grade). Coöperatieve Rabobank U.A. participates in deposit guarantee scheme of the Netherlands. This scheme covers accounts up to 100 000 EUR per bank per depositor.

ABN AMRO Bank N.V.

ABN AMRO Bank serves retail, private and corporate banking clients with a primary focus on the Netherlands. ABN AMRO Bank is one of the largest banks of the Netherlands. The bank also conducts selected operations internationally. ABN AMRO Bank offers a comprehensive range of products and services via multichannel distribution including mobile applications and internet banking. In particular, MoneYou is a subsidiary of ABN AMRO Bank, specialising in online financial services (savings, mortgages and consumer loans) for retail clients and also offering savings products outside the Netherlands (Germany, Belgium and Austria). ABN AMRO Bank N.V. is the head bank of ABN AMRO Group (Netherlands).

Services
Retail Banking
Private Banking
Corporate Banking
Insurance

Retail Banking Products

ABN AMRO Bank N.V. is the 3rd largest bank in the Netherlands in terms of total assets. In 2016 its total assets were 394,48 bln EUR. In 2016 the bank's net income was 1 806,00 mln EUR.

ABN AMRO Bank N.V. is rated by Fitch, Moody's. Long-term credit rating assigned to the bank by Fitch is A+ (high credit quality). Long-term credit rating assigned to the bank by Moody's is A2 (upper medium grade). ABN AMRO Bank N.V. participates in deposit guarantee scheme of the Netherlands. This scheme covers accounts up to 100 000 EUR per bank per depositor.

de Volksbank N.V.

Established in 1817, SNS Bank was the first savings bank in the Netherlands. "SNS" stands for Samenwerkende Nederlandse Spaarbanken (eng: "Co-operating Dutch Savings banks"). The bank is focused on providing savings, mortgage and payment products to domestic companies and indiviuals.

Since 1 January 2017, SNS Bank operates as 'de Volksbank' to underline that the bank is a stable bank providing simple, useful and affordable products and taking responsibility. Also since 1 January 2017, ASN Bank, Regio Bank, SNS Bank, BGL Wonen Bank and Zwitserleven operate using the single banking license of de Volksbank.

Services
Retail Banking

Retail Banking Products

de Volksbank N.V. is the 4th largest bank in the Netherlands in terms of total assets. In 2016 its total assets were 61 561,00 mln EUR. In 2016 the bank's net income was 329,00 mln EUR.

de Volksbank N.V. is rated by Fitch, Moody's. Long-term credit rating assigned to the bank by Fitch is BBB+ (good credit quality). Long-term credit rating assigned to the bank by Moody's is Baa1 (lower medium grade). de Volksbank N.V. participates in deposit guarantee scheme of the Netherlands. This scheme covers accounts up to 100 000 EUR per bank per depositor.

NIBC Bank N.V.

Founded in 1945 to finance ­entrepreneurs, NIBC Bank is a Dutch bank operating in "BeNeLux" countries and in Germany. The bank provides banking products to corporate and individual clients. NIBC Bank is focused on corporate customers from specific sectors such as the food industry, agriculture and retail, manufacturing, technology, media and services, commercial real estate, shipping, oil & gas services, infrastructure and renewable energy. Business activities for individuals are dominated by residential mortgages and savings products. The savings products are offered via its subsidiary NIBC Direct.

Services
Retail Banking
Corporate Banking

Retail Banking Products

NIBC Bank N.V. is the 5th largest bank in the Netherlands in terms of total assets. In 2016 its total assets were 23 580,00 mln EUR. In 2016 the bank's net income was 102,00 mln EUR.

NIBC Bank N.V. is rated by Fitch, Moody's. Long-term credit rating assigned to the bank by Fitch is BBB- (good credit quality). Long-term credit rating assigned to the bank by Moody's is Baa1 (lower medium grade). NIBC Bank N.V. participates in deposit guarantee scheme of the Netherlands. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Achmea Bank N.V.

On May 31, 2014 Achmea Hypotheekbank N.V., Achmea Bank Holding N.V. and Achmea Retail Bank N.V. completed their merger into one entity. The remaining entity Achmea Hypotheekbank N.V. was renamed to Achmea Bank N.V. The decision to perform the merger had been taken to reduce complexity, to be able to meet new legislation and to increase efficiency in systems and processes. The main business activities of Achmea Bank N.V. are providing savings products for private individuals and owner-occupied residential mortgage loans. Achmea Bank N.V. offers its products online via Centraal Beheer Achmea.

Services
Retail Banking

Retail Banking Products

Achmea Bank N.V. is the 6th largest bank in the Netherlands in terms of total assets. In 2016 its total assets were 14 985,32 mln EUR. In 2016 the bank's net income was 13,31 mln EUR.

Achmea Bank N.V. is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is A (high credit quality). Achmea Bank N.V. participates in deposit guarantee scheme of the Netherlands. This scheme covers accounts up to 100 000 EUR per bank per depositor.

F. van Lanschot Bankiers N.V.

Van Lanschot is an independent bank focused on private banking, asset management and merchant banking. Founded in 1737, Van Lanschot is the oldest independent bank in the Netherlands. Van Lanschot's private banking offers its products and services to a wide spectrum of clients:high-net-worth individuals, entrepreneurs and family businesses, business professionals and executives, healthcare professionals, foundations and associations.

F. van Lanschot Bankiers N.V. is the 7th largest bank in the Netherlands in terms of total assets. In 2016 its total assets were 14 877,41 mln EUR. In 2016 the bank's net income was 69,80 mln EUR.

F. van Lanschot Bankiers N.V. is rated by Fitch. Long-term credit rating assigned to the bank by Fitch is BBB+ (good credit quality). F. van Lanschot Bankiers N.V. participates in deposit guarantee scheme of the Netherlands. This scheme covers accounts up to 100 000 EUR per bank per depositor.

Current Accounts: 10 Offers from 7 Banks

Interest Rates: 0.00 - 1.25 % p.a.
Overdraft Rates: 0.00 - 15.00 % p.a.
Annual Costs: 0.00 - 180.00 EUR

10 current accounts offers from 7 banks operating in the Netherlands are currently available. The interest rates (per annum) are within the range 0.00 - 1.25 %,the overdraft rates (per annum) - 0.00 - 15.00 %, the annual costs - 0.00 - 180.00 EUR.

View All Offers
Lowest Annual Costs Offer: Basis (AEGON Bank N.V.)
Interest Rate: 0.95 % p.a.
Overdraft Rate: 11.58 % p.a.
Annual Costs: 0.00 EUR

AEGON Bank N.V. is a subsidiary of AEDON N.V., a Dutch company specializing in life insurance, pension and asset management products. AEGON Bank N.V. provides retail banking products, mainly deposit accounts and mortgage loans.

Savings Accounts: 65 Offers from 10 Banks

Interest Rates: 0.20 - 0.95 % p.a.
Account Terms: 1 - 12 months

65 savings accounts offers from 10 banks operating in the Netherlands are currently available. The savings accounts terms vary from 1 month to 1 years (12 months). The interest rates are within the range 0.20 - 0.95 %.

View All Offers
Highest Interest Rate Offer: Flexibel Sparen (AEGON Bank N.V.)
Interest Rate: 0.95 % p.a.
Account Term: 1 months

AEGON Bank N.V. is a subsidiary of AEDON N.V., a Dutch company specializing in life insurance, pension and asset management products. AEGON Bank N.V. provides retail banking products, mainly deposit accounts and mortgage loans.

Time Deposit Accounts: 96 Offers from 9 Banks

Interest Rates: 0.10 - 3.50 % p.a.
Deposit Terms: 1 - 120 months

96 time deposit accounts offers from 9 banks operating in the Netherlands are currently available. The time deposit accounts terms vary from 1 month to 10 years (120 months).The interest rates are within the range 0.10 - 3.50 %.

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Highest Interest Rate Offer: NN Internetsparen (Nationale-Nederlanden Bank N.V.)
Interest Rate: 3.50 % p.a.
Deposit Term: 120 months

Nationale-Nederlanden Bank NV is a member of NN Group, an insurance and asset management company. Nationale-Nederlanden Bank provides retail banking products and services including savings, investments, payment cards mortgages and consumer loans. Nationale-Nederlanden Bank offers its products both directly and indirectly via independent consultants.

Credit Cards: 6 Offers from 1 Bank

Annual Costs: 20.00 - 204.00 EUR

6 credit cards offers from 1 bank operating in the Netherlands are currently available. The annual costs of the credit cards are within the range of 20.00 - 204.00 EUR.

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Lowest Annual Costs Offer: MasterCard Classic (International Card Services B.V.)
Annual Costs: 20.00 EUR

International Card Services (ICS Cards) provides VISA and MasterCard credit cards to private customers, residents of Germany. ICS Cards is a member of Dutch ABN AMRO group.

Consumer Loans: 41 Offers from 5 Banks

Borrowing Rates: 5.90 - 7.90 %
Loan Terms: 6 - 120 months

41 consumer loans offers from 5 banks operating in the Netherlands are currently available. The consumer loans terms vary from 6 month to 10 years (120 months).The effective borrowing rates are within the range 5.90 - 7.90 %.

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Lowest Borrowing Rate Offer: Persoonlijke lening (ABN AMRO Bank N.V.)
Borrowing Rate: 5.90 %
Loan Term: 12 months

ABN AMRO Bank serves retail, private and corporate banking clients with a primary focus on the Netherlands. ABN AMRO Bank is one of the largest banks of the Netherlands. The bank also conducts selected operations internationally. ABN AMRO Bank offers a comprehensive range of products and services via multichannel distribution including mobile applications and internet banking. In particular, MoneYou is a subsidiary of ABN AMRO Bank, specialising in online financial services (savings, mortgages and consumer loans) for retail clients and also offering savings products outside the Netherlands (Germany, Belgium and Austria). ABN AMRO Bank N.V. is the head bank of ABN AMRO Group (Netherlands).

Mortgage Loans: 71 Offers from 9 Banks

Borrowing Rates: 3.00 - 6.00 %
Loan Terms: 5 - 20 years

71 mortgage loans offers from 9 banks operating in the Netherlands are currently available. The mortgage loans terms vary from 5 to 20 years. The borrowing rates are within the range 3.00 - 6.00 %.

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Lowest Borrowing Rate Offer: Argenta Classic Annuiteiten Hypotheek (Argenta Spaarbank N.V.)
Borrowing Rate: 3.00 %
Loan Term: 5 years

Argenta Spaarbank N.V. (eng - Argenta Savings Bank) operates in the Netherlands as a branch of Argenta Spaarbank NV (Belgium). Argenta Spaarbank N.V. started offering mortgage loans in the Netherlands in 1997 through intermediaries. Since 2004 Argenta Spaarbank N.V. has been also providing savings accounts and insurance products.

Car Loans: 54 Offers from 6 Banks

Borrowing Rates: 6.30 - 9.20 %
Loan Terms: 12 - 120 months

54 car loans offers from 6 banks operating in the Netherlands are currently available. The car loans terms vary from 12 month to 10 years (120 months).The effective borrowing rates are within the range 6.30 - 9.20 %.

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Lowest Borrowing Rate Offer: Doorlopend krediet (Nationale-Nederlanden Bank N.V.)
Borrowing Rate: 6.30 %
Loan Term: 12 months

Nationale-Nederlanden Bank NV is a member of NN Group, an insurance and asset management company. Nationale-Nederlanden Bank provides retail banking products and services including savings, investments, payment cards mortgages and consumer loans. Nationale-Nederlanden Bank offers its products both directly and indirectly via independent consultants.

Trading Accounts: 6 Offers from 3 Banks

Annual Costs: 30.00 - 200.40 EUR
Costs per Order: 5.50 - 10.00 EUR

6 trading accounts offers from 3 banks operating in the Netherlands are currently available. The trading accounts annual costs vary from 30.00 to 200.40 EUR, costs per order are within the range 5.50 - 10.00 EUR.

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Lowest Annual Costs Offer: Binck Basic (BinckBank N.V.)
Annual Costs: 30.00 EUR
Costs per Order: 10.00 EUR

BinckBank is a Dutch bank specializing providing online brokerage andonline asset management services and online savings accounts.