{"id":18113,"date":"2019-11-30T00:56:08","date_gmt":"2019-11-30T00:56:08","guid":{"rendered":"https:\/\/www.finler.nl\/sparen\/?post_type=product&#038;p=18113"},"modified":"2026-07-17T14:15:32","modified_gmt":"2026-07-17T12:15:32","slug":"rabo-doelsparen","status":"publish","type":"product","link":"https:\/\/www.finler.nl\/spaarrente\/rabo-doelsparen\/","title":{"rendered":"Rabo DoelSparen"},"content":{"rendered":"<div class=\"wpb-content-wrapper\" id=\"wpb-content-root\"><p>[vc_row][vc_column woodmart_css_id=&#8221;6a43aa7de4661&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;yes&#8221; wd_collapsible_content_max_height=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidW5pdCI6InB4IiwidmFsdWUiOiI0MjAifSwidGFibGV0Ijp7InVuaXQiOiJweCIsInZhbHVlIjoiIn0sIm1vYmlsZSI6eyJ1bml0IjoicHgiLCJ2YWx1ZSI6IiJ9fX0=&#8221; wd_collapsible_content_fade_out_color=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidmFsdWUiOiIjZmZmIn19fQ==&#8221; wd_column_role_offcanvas_desktop=&#8221;no&#8221; wd_column_role_offcanvas_tablet=&#8221;no&#8221; wd_column_role_offcanvas_mobile=&#8221;no&#8221; wd_column_role_content_desktop=&#8221;no&#8221; wd_column_role_content_tablet=&#8221;no&#8221; wd_column_role_content_mobile=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YTQzYWE3ZGU0NjYxIiwic2hvcnRjb2RlIjoidmNfY29sdW1uIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_reset_margin=&#8221;no&#8221; tablet_reset_margin=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;][vc_column_text css=&#8221;.vc_custom_1740331788342{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h3>Mogelijkheden<\/h3>\n<p>Rabobank biedt spaardeposito\u2019s aan met vaste rentes en looptijden tussen 1 en 8 jaar. Voor <em>Rabo Doelsparen<\/em> geldt geen minimum of maximum inleg.<\/p>\n<p>Het rentetarief staat de gehele looptijd vast. Rente wordt jaarlijks op een door jou gekozen rekening uitbetaald. Als je ervoor kiest om de rente op je deposito te laten storten, ontvang je rente-op-rente.<\/p>\n<h3>Is Rabobank Betrouwbaar?<\/h3>\n<p>Rabobank heeft goede creditratings van gerenommeerde bureaus zoals Moody\u2019s, Fitch Ratings en S&amp;P. Dit duidt op een sterke financi\u00eble positie. De bank valt onder toezicht van De Nederlandsche Bank (DNB) en de Autoriteit Financi\u00eble Markten (AFM).<\/p>\n<p>Spaargeld valt onder het Nederlandse depositogarantiestelsel. Hiermee zijn tegoeden tot \u20ac100.000 beschermd. Bij een eventueel faillissement van de bank word je spaarbedrag binnen <em>7 dagen<\/em> door het garantiefonds uitgekeerd.<\/p>\n<p>Voor het openen van <em>Rabo Doelsparen<\/em><em>\u00a0<\/em>is een <a href=\"https:\/\/www.finler.nl\/betaalrekening\/rabo-betaalpakket\/\">Rabo Betaalpakket<\/a> verplicht. Het deposito is gratis, maar voor de betaalrekening betaal je maandelijkse kosten.<\/p>\n<h3>Tussentijds opnemen<\/h3>\n<p>Na het openen van deze depositorekening, is het mogelijk om tussentijds op te nemen of vroegtijdig te be\u00ebindigen. Hiervoor worden kosten in rekening gebracht. De hoogte hangt per situatie af en vind je terug in de algemene voorwaarden.<\/p>\n<p>In de volgende gevallen worden geen opnamekosten in rekening gebracht:<\/p>\n<ul>\n<li>Je raakt werkloos;<\/li>\n<li>Je gaat failliet;<\/li>\n<li>Je wordt arbeidsongeschikt;<\/li>\n<li>Je komt in de schuldsanering;<\/li>\n<li>Je gaat scheiden \/ ontbinding partnerschap.<\/li>\n<\/ul>\n<p>In geval van overlijden kan het <em>Rabo Doelsparen<\/em> kosteloos worden be\u00ebindigd door een kopie van de overlijdensakte op te sturen.<\/p>\n<h3>Extra inleggen<\/h3>\n<p>Normaal zet je in \u00e9\u00e9n keer een bedrag op een depositorekening en mag je niets meer bijstorten. Met <em>Rabo Doelsparen<\/em> is het mogelijk om periodiek of automatisch een extra bedrag in te leggen.<\/p>\n<p>Telkens als je een bedrag bijstort staat dit bedrag tot het einde van de looptijd vast. Rente wordt berekend aan de hand van het rentepercentage dat op het moment van storten geldt.<\/p>\n<h3>Belastingaangifte<\/h3>\n<p>Het spaarsaldo op je <em>Rabo Doelsparen<\/em>\u00a0moet je bij de jaarlijkse aangifte inkomstenbelasting invullen in Box 3.<\/p>\n<p>Waarschijnlijk is dit bedrag al vooraf ingevuld in je aangifte. Als dat niet het geval is kun je inloggen op het internetbankieren account en aan het begin van het jaar het <em>Financieel Jaaroverzicht<\/em> downloaden.[\/vc_column_text]<div id=\"wd-67b4b83129c07\" class=\" wd-rs-67b4b83129c07  wd-button-wrapper text-center wd-collapsible-button\"><a  class=\"btn btn-style-bordered btn-shape-semi-round btn-size-default meer-content\">Lees meer over dit product<\/a><\/div>[\/vc_column][\/vc_row][vc_row woodmart_css_id=&#8221;6a32b7285dc0f&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YTMyYjcyODVkYzBmIiwic2hvcnRjb2RlIjoidmNfcm93IiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243;][vc_column][vc_separator color=&#8221;custom&#8221; 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woodmart_css_id=&#8221;67b7c382c8140&#8243; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;yes&#8221; wd_column_role_offcanvas_desktop=&#8221;no&#8221; wd_column_role_offcanvas_tablet=&#8221;no&#8221; wd_column_role_offcanvas_mobile=&#8221;no&#8221; wd_column_role_content_desktop=&#8221;no&#8221; wd_column_role_content_tablet=&#8221;no&#8221; wd_column_role_content_mobile=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2N2I3YzM4MmM4MTQwIiwic2hvcnRjb2RlIjoidmNfY29sdW1uIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_reset_margin=&#8221;no&#8221; tablet_reset_margin=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; wd_collapsible_content_max_height=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidW5pdCI6InB4IiwidmFsdWUiOiIyNjAifSwidGFibGV0Ijp7InVuaXQiOiJweCIsInZhbHVlIjoiIn0sIm1vYmlsZSI6eyJ1bml0IjoicHgiLCJ2YWx1ZSI6IiJ9fX0=&#8221; wd_collapsible_content_fade_out_color=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidmFsdWUiOiIjZmZmIn19fQ==&#8221;]\n\t\t<ul class=\" wd-rs-67bb5b1fc98ed wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-rounded text-left wd-shape-icon \" id=\"wd-67bb5b1fc98ed\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGeen minimale inleg\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tRente-op-rente\n\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGezamenlijk deposito mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tMeerdere deposito's mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tDeposito op naam van kind mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAutomatisch sparen mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tTussentijds (deels) opnemen mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tVerlenging mogelijk\n\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tNederlandse telefonische klantenservice\n\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t24\/7 inzicht met de Rabo App\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tValt onder het depositogarantiestelsel\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t<div id=\"wd-67b1d59e68153\" class=\" wd-rs-67b1d59e68153  wd-button-wrapper text-left wd-collapsible-button\"><a  class=\"btn btn-style-link btn-shape-rectangle btn-size-default meer-pro-cons btn-icon-pos-right\">Bekijk meer voordelen<span class=\"wd-btn-icon\"><span class=\"wd-icon fas fa-angle-down\"><\/span><\/span><\/a><\/div>[\/vc_column][\/vc_row][vc_row woodmart_css_id=&#8221;67a5bb4beda5a&#8221; 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wd_collapsible_content_switcher=&#8221;yes&#8221; wd_column_role_offcanvas_desktop=&#8221;no&#8221; wd_column_role_offcanvas_tablet=&#8221;no&#8221; wd_column_role_offcanvas_mobile=&#8221;no&#8221; wd_column_role_content_desktop=&#8221;no&#8221; wd_column_role_content_tablet=&#8221;no&#8221; wd_column_role_content_mobile=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2N2I3YzM3YTdiZDFlIiwic2hvcnRjb2RlIjoidmNfY29sdW1uIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_reset_margin=&#8221;no&#8221; tablet_reset_margin=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; wd_collapsible_content_max_height=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidW5pdCI6InB4IiwidmFsdWUiOiIyNjAifSwidGFibGV0Ijp7InVuaXQiOiJweCIsInZhbHVlIjoiIn0sIm1vYmlsZSI6eyJ1bml0IjoicHgiLCJ2YWx1ZSI6IiJ9fX0=&#8221;]\n\t\t<ul class=\" wd-rs-67bb5b3418e3f wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-rounded text-left wd-shape-icon \" id=\"wd-67bb5b3418e3f\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.finler.nl\/betaalrekening\/rabo-betaalpakket\/\" title=\"Rabo Betaalpakket\">\n\t\t\t\t\t\t\t\t<u>Rabo Betaalpakket<\/u> verplicht\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tOpnamekosten bij tussentijdse opname of be\u00ebindiging\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tNiet voor zakelijk gebruik\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGeen duurzaam\/groen deposito\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t<div id=\"wd-67b1d5a7e4454\" class=\" wd-rs-67b1d5a7e4454  wd-button-wrapper text-left wd-collapsible-button\"><a  class=\"btn btn-style-link btn-shape-rectangle btn-size-default meer-pro-cons btn-icon-pos-right\">Bekijk meer nadelen<span class=\"wd-btn-icon\"><span class=\"wd-icon fas fa-angle-down\"><\/span><\/span><\/a><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Met <em>Rabo DoelSparen<\/em> kun je een spaarbedrag 1 tot 20 jaar vastzetten. Er is geen minimum inleg. Rente wordt jaarlijks op je deposito uitgekeerd, maar je kunt ook kiezen om het op een andere rekening te laten storten.<\/p>\n","protected":false},"featured_media":19776,"template":"","meta":{"_acf_changed":false},"product_brand":[],"product_cat":[1745],"product_tag":[],"class_list":["post-18113","product","type-product","status-publish","has-post-thumbnail","product_cat-spaardeposito","pa_bank-rabobank","first","instock","sold-individually","shipping-taxable","purchasable","product-type-variable","has-default-attributes"],"acf":[],"permalink_manager":null,"_links":{"self":[{"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product\/18113","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/types\/product"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/media\/19776"}],"wp:attachment":[{"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/media?parent=18113"}],"wp:term":[{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product_brand?post=18113"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product_cat?post=18113"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product_tag?post=18113"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}