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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 €100,000
€3,100
per year, annualised · €12,400 total over 4 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 4 years: €12,400.
Interest built up over 4 years
€ 0€ 5k€ 10kstart2 yrs4 yrs€12,400After 1 month: €258.33 rate · balance €100,258.33After 2 months: €516.67 rate · balance €100,516.67

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

€100,000 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: €775.00 rate · balance €100,775.00After 4 months: €1,033.33 rate · balance €101,033.33After 5 months: €1,291.67 rate · balance €101,291.67After 6 months: €1,550.00 rate · balance €101,550.00After 7 months: €1,808.33 rate · balance €101,808.33After 8 months: €2,066.67 rate · balance €102,066.67After 9 months: €2,325.00 rate · balance €102,325.00After 10 months: €2,583.33 rate · balance €102,583.33After 11 months: €2,841.67 rate · balance €102,841.67After 12 months: €3,100.00 rate · balance €103,100.00After 13 months: €3,358.33 rate · balance €103,358.33After 14 months: €3,616.67 rate · balance €103,616.67After 15 months: €3,875.00 rate · balance €103,875.00After 16 months: €4,133.33 rate · balance €104,133.33After 17 months: €4,391.67 rate · balance €104,391.67After 18 months: €4,650.00 rate · balance €104,650.00After 19 months: €4,908.33 rate · balance €104,908.33After 20 months: €5,166.67 rate · balance €105,166.67After 21 months: €5,425.00 rate · balance €105,425.00After 22 months: €5,683.33 rate · balance €105,683.33After 23 months: €5,941.67 rate · balance €105,941.67After 24 months: €6,200.00 rate · balance €106,200.00After 25 months: €6,458.33 rate · balance €106,458.33After 26 months: €6,716.67 rate · balance €106,716.67After 27 months: €6,975.00 rate · balance €106,975.00After 28 months: €7,233.33 rate · balance €107,233.33After 29 months: €7,491.67 rate · balance €107,491.67After 30 months: €7,750.00 rate · balance €107,750.00After 31 months: €8,008.33 rate · balance €108,008.33After 32 months: €8,266.67 rate · balance €108,266.67After 33 months: €8,525.00 rate · balance €108,525.00After 34 months: €8,783.33 rate · balance €108,783.33After 35 months: €9,041.67 rate · balance €109,041.67After 36 months: €9,300.00 rate · balance €109,300.00After 37 months: €9,558.33 rate · balance €109,558.33After 38 months: €9,816.67 rate · balance €109,816.67After 39 months: €10,075.00 rate · balance €110,075.00After 40 months: €10,333.33 rate · balance €110,333.33After 41 months: €10,591.67 rate · balance €110,591.67After 42 months: €10,850.00 rate · balance €110,850.00After 43 months: €11,108.33 rate · balance €111,108.33After 44 months: €11,366.67 rate · balance €111,366.67After 45 months: €11,625.00 rate · balance €111,625.00After 46 months: €11,883.33 rate · balance €111,883.33After 47 months: €12,141.67 rate · balance €112,141.67After 48 months: €12,400.00 rate · balance €112,400.00
€ 0€ 5k€ 10kstart1 yr2 yrs3 yrs4 yrs€12,400After 1 month: €258.33 rate · balance €100,258.33After 2 months: €516.67 rate · balance €100,516.67After 3 months: €775.00 rate · balance €100,775.00After 4 months: €1,033.33 rate · balance €101,033.33After 5 months: €1,291.67 rate · balance €101,291.67After 6 months: €1,550.00 rate · balance €101,550.00After 7 months: €1,808.33 rate · balance €101,808.33After 8 months: €2,066.67 rate · balance €102,066.67After 9 months: €2,325.00 rate · balance €102,325.00After 10 months: €2,583.33 rate · balance €102,583.33After 11 months: €2,841.67 rate · balance €102,841.67After 12 months: €3,100.00 rate · balance €103,100.00After 13 months: €3,358.33 rate · balance €103,358.33After 14 months: €3,616.67 rate · balance €103,616.67After 15 months: €3,875.00 rate · balance €103,875.00After 16 months: €4,133.33 rate · balance €104,133.33After 17 months: €4,391.67 rate · balance €104,391.67After 18 months: €4,650.00 rate · balance €104,650.00After 19 months: €4,908.33 rate · balance €104,908.33After 20 months: €5,166.67 rate · balance €105,166.67After 21 months: €5,425.00 rate · balance €105,425.00After 22 months: €5,683.33 rate · balance €105,683.33After 23 months: €5,941.67 rate · balance €105,941.67After 24 months: €6,200.00 rate · balance €106,200.00After 25 months: €6,458.33 rate · balance €106,458.33After 26 months: €6,716.67 rate · balance €106,716.67After 27 months: €6,975.00 rate · balance €106,975.00After 28 months: €7,233.33 rate · balance €107,233.33After 29 months: €7,491.67 rate · balance €107,491.67After 30 months: €7,750.00 rate · balance €107,750.00After 31 months: €8,008.33 rate · balance €108,008.33After 32 months: €8,266.67 rate · balance €108,266.67After 33 months: €8,525.00 rate · balance €108,525.00After 34 months: €8,783.33 rate · balance €108,783.33After 35 months: €9,041.67 rate · balance €109,041.67After 36 months: €9,300.00 rate · balance €109,300.00After 37 months: €9,558.33 rate · balance €109,558.33After 38 months: €9,816.67 rate · balance €109,816.67After 39 months: €10,075.00 rate · balance €110,075.00After 40 months: €10,333.33 rate · balance €110,333.33After 41 months: €10,591.67 rate · balance €110,591.67After 42 months: €10,850.00 rate · balance €110,850.00After 43 months: €11,108.33 rate · balance €111,108.33After 44 months: €11,366.67 rate · balance €111,366.67After 45 months: €11,625.00 rate · balance €111,625.00After 46 months: €11,883.33 rate · balance €111,883.33After 47 months: €12,141.67 rate · balance €112,141.67After 48 months: €12,400.00 rate · balance €112,400.00
Per year
AfterInterest up to thenBalance
1 year€3,100€103,100
2 years€6,200€106,200
3 years€9,300€109,300
4 years€12,400€112,400

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