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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 DHB Bank
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DHB BankDepositorekening

Deposit · 4 years · DHB Bank N.V. · Netherlands · Directly at the bank
Current account required
Open an account at DHB Bank
Rate
3.10%
4 years fixed
since 15 Sep 2026
Your return on €10,000
€310
per year, annualised · €1,240 total over 4 years
Deposit guarantee
€10,000 fully protected
Dutch scheme

DHB Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €10,000

Gross interest over 4 years: €1,240.
Interest built up over 4 years
€ 0€ 500€ 1kstart2 yrs4 yrs€1,240After 1 month: €25.83 rate · balance €10,025.83After 2 months: €51.67 rate · balance €10,051.67

Rate and conditions

BalanceRate
€0 – and up3.10%
Interest payout
yearly, paid out
Fees
none
Rate valid since
11 Sep 2026
Access
4 years fixed · early withdrawal unknown
Term
4 years
Minimum deposit
€500
Maximum deposit
€500,000
Current account required
yes
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Alleen te openen als je al een DHB VoorSpoedrekening hebt

Deposit guarantee

€10,000 fully protected
Dutch scheme

DHB Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Licence and verification
Institution
DHB 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

2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.10%2.75% from 2 Sep 2026 until 15 Sep 20263.10% from 15 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.10%2.75% from 2 Sep 2026 until 15 Sep 2026

Other offers from DHB Bank

With notice period · 2.05% · DirectWith notice period · 2.00% · DirectWith notice period · 2.10% · DirectInstant access · 3.00% · Direct3 months · 2.10% · Direct3 months · 2.00% · Direct6 months · 2.20% · Direct6 months · 2.10% · Direct9 months · 2.35% · Direct
After 3 months: €77.50 rate · balance €10,077.50After 4 months: €103.33 rate · balance €10,103.33After 5 months: €129.17 rate · balance €10,129.17After 6 months: €155.00 rate · balance €10,155.00After 7 months: €180.83 rate · balance €10,180.83After 8 months: €206.67 rate · balance €10,206.67After 9 months: €232.50 rate · balance €10,232.50After 10 months: €258.33 rate · balance €10,258.33After 11 months: €284.17 rate · balance €10,284.17After 12 months: €310.00 rate · balance €10,310.00After 13 months: €335.83 rate · balance €10,335.83After 14 months: €361.67 rate · balance €10,361.67After 15 months: €387.50 rate · balance €10,387.50After 16 months: €413.33 rate · balance €10,413.33After 17 months: €439.17 rate · balance €10,439.17After 18 months: €465.00 rate · balance €10,465.00After 19 months: €490.83 rate · balance €10,490.83After 20 months: €516.67 rate · balance €10,516.67After 21 months: €542.50 rate · balance €10,542.50After 22 months: €568.33 rate · balance €10,568.33After 23 months: €594.17 rate · balance €10,594.17After 24 months: €620.00 rate · balance €10,620.00After 25 months: €645.83 rate · balance €10,645.83After 26 months: €671.67 rate · balance €10,671.67After 27 months: €697.50 rate · balance €10,697.50After 28 months: €723.33 rate · balance €10,723.33After 29 months: €749.17 rate · balance €10,749.17After 30 months: €775.00 rate · balance €10,775.00After 31 months: €800.83 rate · balance €10,800.83After 32 months: €826.67 rate · balance €10,826.67After 33 months: €852.50 rate · balance €10,852.50After 34 months: €878.33 rate · balance €10,878.33After 35 months: €904.17 rate · balance €10,904.17After 36 months: €930.00 rate · balance €10,930.00After 37 months: €955.83 rate · balance €10,955.83After 38 months: €981.67 rate · balance €10,981.67After 39 months: €1,007.50 rate · balance €11,007.50After 40 months: €1,033.33 rate · balance €11,033.33After 41 months: €1,059.17 rate · balance €11,059.17After 42 months: €1,085.00 rate · balance €11,085.00After 43 months: €1,110.83 rate · balance €11,110.83After 44 months: €1,136.67 rate · balance €11,136.67After 45 months: €1,162.50 rate · balance €11,162.50After 46 months: €1,188.33 rate · balance €11,188.33After 47 months: €1,214.17 rate · balance €11,214.17After 48 months: €1,240.00 rate · balance €11,240.00
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs4 yrs€1,240After 1 month: €25.83 rate · balance €10,025.83After 2 months: €51.67 rate · balance €10,051.67After 3 months: €77.50 rate · balance €10,077.50After 4 months: €103.33 rate · balance €10,103.33After 5 months: €129.17 rate · balance €10,129.17After 6 months: €155.00 rate · balance €10,155.00After 7 months: €180.83 rate · balance €10,180.83After 8 months: €206.67 rate · balance €10,206.67After 9 months: €232.50 rate · balance €10,232.50After 10 months: €258.33 rate · balance €10,258.33After 11 months: €284.17 rate · balance €10,284.17After 12 months: €310.00 rate · balance €10,310.00After 13 months: €335.83 rate · balance €10,335.83After 14 months: €361.67 rate · balance €10,361.67After 15 months: €387.50 rate · balance €10,387.50After 16 months: €413.33 rate · balance €10,413.33After 17 months: €439.17 rate · balance €10,439.17After 18 months: €465.00 rate · balance €10,465.00After 19 months: €490.83 rate · balance €10,490.83After 20 months: €516.67 rate · balance €10,516.67After 21 months: €542.50 rate · balance €10,542.50After 22 months: €568.33 rate · balance €10,568.33After 23 months: €594.17 rate · balance €10,594.17After 24 months: €620.00 rate · balance €10,620.00After 25 months: €645.83 rate · balance €10,645.83After 26 months: €671.67 rate · balance €10,671.67After 27 months: €697.50 rate · balance €10,697.50After 28 months: €723.33 rate · balance €10,723.33After 29 months: €749.17 rate · balance €10,749.17After 30 months: €775.00 rate · balance €10,775.00After 31 months: €800.83 rate · balance €10,800.83After 32 months: €826.67 rate · balance €10,826.67After 33 months: €852.50 rate · balance €10,852.50After 34 months: €878.33 rate · balance €10,878.33After 35 months: €904.17 rate · balance €10,904.17After 36 months: €930.00 rate · balance €10,930.00After 37 months: €955.83 rate · balance €10,955.83After 38 months: €981.67 rate · balance €10,981.67After 39 months: €1,007.50 rate · balance €11,007.50After 40 months: €1,033.33 rate · balance €11,033.33After 41 months: €1,059.17 rate · balance €11,059.17After 42 months: €1,085.00 rate · balance €11,085.00After 43 months: €1,110.83 rate · balance €11,110.83After 44 months: €1,136.67 rate · balance €11,136.67After 45 months: €1,162.50 rate · balance €11,162.50After 46 months: €1,188.33 rate · balance €11,188.33After 47 months: €1,214.17 rate · balance €11,214.17After 48 months: €1,240.00 rate · balance €11,240.00
Per year
AfterInterest up to thenBalance
1 year€310€10,310
2 years€620€10,620
3 years€930€10,930
4 years€1,240€11,240

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

3.10% from 15 Sep 2026 until now
FromRateUntil
15 Sep 20263.10%current
2 Sep 20262.75%15 Sep 2026

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

  • 15 Sep 2026DHB Bank – Depositorekening (48 mo): 2.75% → 3.10%
  • 2 Sep 2026New: DHB Bank – Depositorekening (48 mo) 2.75%

Rate checked on 18 Sep 2026.

9 months · 2.25% · Direct
1 year · 2.75% · Direct
1 year · 2.85% · Direct
2 years · 3.00% · Direct
2 years · 3.10% · Direct
2 years · 3.00% · Direct
3 years · 3.05% · Direct
3 years · 3.15% · Direct
3 years · 3.05% · Direct
4 years · 3.10% · Direct
4 years · 3.20% · Direct
5 years · 3.15% · Direct
5 years · 3.15% · Direct
5 years · 3.25% · Direct