Time Lock Savings
Give your money time to grow, with added security
Variable interest rate
- For money you do not need straight away
- Helps protect you from impulse purchases and financial fraude
- Schedule withdrawals at least 45 days in advance
- Open your account in just 3 minutes
The value of peace of mind
With Time Lock Savings, you earn a higher interest rate because you cannot withdraw your money straight away. If you want to make a withdrawal, you need to schedule it at least 45 days in advance. This gives your money time to grow and helps prevent you from spending the money on impulse or transferring it under pressure to people who do not have your best interests at heart. The interest rate may change at any time, also change during the 45-day notice period.
Key features
Higher interest rate
Benefit from a higher interest rate. This rate is variable and may change during the 45-day notice period.
Flexible saving
Deposit as much as you like, whenever you like, with no minimum deposit or fixed payments.
Save with peace of mind
Thanks to the 45-day notice period, you can only withdraw your money after 45 days. This gives your savings the time to grow, while helping you avoid impulsive withdrawals or transfers made under pressure.
All the details at a glance
Interest rates and balance classes
| Balance class | Variable interest rate |
|---|---|
For all balance classes | 1.40% |
These interest rates apply from 29 september 2026 and are shown on an annual basis. The interest rate is variable and may change at any time, including during the 45-day notice period.
We credit interest to your savings account each quarter, on 31 March, 30 June, 30 September and 31 December. The interest will be visible and available after 2 working days.
View and compare the current interest rates for all ABN AMRO current and savings accounts.
Several factors affect savings interest rates, including your savings behaviour and the balance classes. See which factors determine savings interest rates.
Would you like to receive an email when the interest rate changes? Sign up for the Product Information newsletter.
Risk
The variable interest rate on your savings can go up or down during the 45-day notice period. During this period, you won’t be able to access your money.
Would you rather avoid this risk? Then choose a savings account that gives you instant access to your money, such as Direct Savings. You can also combine both types of savings accounts.
Prefer the certainty of a fixed interest rate? Then Savings Deposits might be the right choice for you.
Deposits and withdrawals
Deposits
With Time Lock Savings, you decide how much you save and how often you make a deposit.
Withdrawals
You can withdraw your money whenever you like, as long as you schedule the withdrawal at least 45 days in advance. It's not possible to access your savings within the 45-day notice period.
How your money is protected
The Dutch Deposit Guarantee Scheme protects the money in your savings account. This means that balances up to € 100,000 per person per bank are automatically protected if a bank fails.
Find more information about the Dutch Deposit Guarantee Scheme.
Would you like to know more about the deposit guarantee at ABN AMRO? Read the Deposit Guarantee Scheme information sheet (PDF, 255 KB) .
Closing your savings account
You can close your savings account at any time, free of charge. Before you do, make sure the balance is € 0. Once you’ve transferred all funds out of the account and closed it, we’ll transfer any interest you’ve earned to your linked account.
Right of withdrawal and terms and conditions
You may close your account free of charge within 14 days of opening it, without giving a reason. This right of withdrawal applies only to private clients and not to business clients. More information about your right of withdrawal.
All terms and conditions
Would you like to know more about the terms and conditions of Time Lock Savings?
Interest rates and balance classes
| Balance class | Variable interest rate |
|---|---|
For all balance classes | 1.40% |
These interest rates apply from 29 september 2026 and are shown on an annual basis. The interest rate is variable and may change at any time, including during the 45-day notice period.
We credit interest to your savings account each quarter, on 31 March, 30 June, 30 September and 31 December. The interest will be visible and available after 2 working days.
View and compare the current interest rates for all ABN AMRO current and savings accounts.
Several factors affect savings interest rates, including your savings behaviour and the balance classes. See which factors determine savings interest rates.
Would you like to receive an email when the interest rate changes? Sign up for the Product Information newsletter.
Risk
The variable interest rate on your savings can go up or down during the 45-day notice period. During this period, you won’t be able to access your money.
Would you rather avoid this risk? Then choose a savings account that gives you instant access to your money, such as Direct Savings. You can also combine both types of savings accounts.
Prefer the certainty of a fixed interest rate? Then Savings Deposits might be the right choice for you.
Deposits and withdrawals
Deposits
With Time Lock Savings, you decide how much you save and how often you make a deposit.
Withdrawals
You can withdraw your money whenever you like, as long as you schedule the withdrawal at least 45 days in advance. It's not possible to access your savings within the 45-day notice period.
How your money is protected
The Dutch Deposit Guarantee Scheme protects the money in your savings account. This means that balances up to € 100,000 per person per bank are automatically protected if a bank fails.
Find more information about the Dutch Deposit Guarantee Scheme.
Would you like to know more about the deposit guarantee at ABN AMRO? Read the Deposit Guarantee Scheme information sheet (PDF, 255 KB) .
Closing your savings account
You can close your savings account at any time, free of charge. Before you do, make sure the balance is € 0. Once you’ve transferred all funds out of the account and closed it, we’ll transfer any interest you’ve earned to your linked account.
Right of withdrawal and terms and conditions
You may close your account free of charge within 14 days of opening it, without giving a reason. This right of withdrawal applies only to private clients and not to business clients. More information about your right of withdrawal.
All terms and conditions
Would you like to know more about the terms and conditions of Time Lock Savings?
Getting started with Time Lock Savings
Open your account
Open your account free of charge in the ABN AMRO app or via Internet Banking.
Transfer money
Transfer an amount you will not need for at least 45 days.
Withdraw money
Go to your Time Lock Savings and schedule a transfer. Choose a date at least 45 days in the future.
Tip! These accounts may also suit you
Are you good at saving, but still want easy access to your money if you ever need it? Then consider our Quarterly Savings account. If you've already built up a healthy savings buffer and can afford to lock it away for longer in return for a higher interest rate, take a look at our Savings Deposits.