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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 · 5 years · DHB Bank N.V. · Netherlands · Directly at the bank
Current account required
Open an account at DHB Bank
Rate
3.15%
5 years fixed
since 15 Sep 2026
Your return on €100,000
€3,150
per year, annualised · €15,750 total over 5 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 5 years: €15,750.
Interest built up over 5 years
€ 0€ 10kstart2 yrs4 yrs€15,750After 1 month: €262.50 rate · balance €100,262.50

Rate and conditions

BalanceRate
€0 – and up3.15%
Interest payout
yearly, paid out
Fees
none
Rate valid since
11 Sep 2026
Access
5 years fixed · early withdrawal unknown
Term
5 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 2026now3.15%2.80% from 2 Sep 2026 until 15 Sep 20263.15% from 15 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.15%2.80% 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 2 months: €525 rate · balance €100,525After 3 months: €787.50 rate · balance €100,787.50After 4 months: €1,050 rate · balance €101,050After 5 months: €1,312.50 rate · balance €101,312.50After 6 months: €1,575 rate · balance €101,575After 7 months: €1,837.50 rate · balance €101,837.50After 8 months: €2,100 rate · balance €102,100After 9 months: €2,362.50 rate · balance €102,362.50After 10 months: €2,625 rate · balance €102,625After 11 months: €2,887.50 rate · balance €102,887.50After 12 months: €3,150 rate · balance €103,150After 13 months: €3,412.50 rate · balance €103,412.50After 14 months: €3,675 rate · balance €103,675After 15 months: €3,937.50 rate · balance €103,937.50After 16 months: €4,200 rate · balance €104,200After 17 months: €4,462.50 rate · balance €104,462.50After 18 months: €4,725 rate · balance €104,725After 19 months: €4,987.50 rate · balance €104,987.50After 20 months: €5,250 rate · balance €105,250After 21 months: €5,512.50 rate · balance €105,512.50After 22 months: €5,775 rate · balance €105,775After 23 months: €6,037.50 rate · balance €106,037.50After 24 months: €6,300 rate · balance €106,300After 25 months: €6,562.50 rate · balance €106,562.50After 26 months: €6,825 rate · balance €106,825After 27 months: €7,087.50 rate · balance €107,087.50After 28 months: €7,350 rate · balance €107,350After 29 months: €7,612.50 rate · balance €107,612.50After 30 months: €7,875 rate · balance €107,875After 31 months: €8,137.50 rate · balance €108,137.50After 32 months: €8,400 rate · balance €108,400After 33 months: €8,662.50 rate · balance €108,662.50After 34 months: €8,925 rate · balance €108,925After 35 months: €9,187.50 rate · balance €109,187.50After 36 months: €9,450 rate · balance €109,450After 37 months: €9,712.50 rate · balance €109,712.50After 38 months: €9,975 rate · balance €109,975After 39 months: €10,237.50 rate · balance €110,237.50After 40 months: €10,500 rate · balance €110,500After 41 months: €10,762.50 rate · balance €110,762.50After 42 months: €11,025 rate · balance €111,025After 43 months: €11,287.50 rate · balance €111,287.50After 44 months: €11,550 rate · balance €111,550After 45 months: €11,812.50 rate · balance €111,812.50After 46 months: €12,075 rate · balance €112,075After 47 months: €12,337.50 rate · balance €112,337.50After 48 months: €12,600 rate · balance €112,600After 49 months: €12,862.50 rate · balance €112,862.50After 50 months: €13,125 rate · balance €113,125After 51 months: €13,387.50 rate · balance €113,387.50After 52 months: €13,650 rate · balance €113,650After 53 months: €13,912.50 rate · balance €113,912.50After 54 months: €14,175 rate · balance €114,175After 55 months: €14,437.50 rate · balance €114,437.50After 56 months: €14,700 rate · balance €114,700After 57 months: €14,962.50 rate · balance €114,962.50After 58 months: €15,225 rate · balance €115,225After 59 months: €15,487.50 rate · balance €115,487.50After 60 months: €15,750 rate · balance €115,750
€ 0€ 10kstart1 yr2 yrs3 yrs4 yrs5 yrs€15,750After 1 month: €262.50 rate · balance €100,262.50After 2 months: €525 rate · balance €100,525After 3 months: €787.50 rate · balance €100,787.50After 4 months: €1,050 rate · balance €101,050After 5 months: €1,312.50 rate · balance €101,312.50After 6 months: €1,575 rate · balance €101,575After 7 months: €1,837.50 rate · balance €101,837.50After 8 months: €2,100 rate · balance €102,100After 9 months: €2,362.50 rate · balance €102,362.50After 10 months: €2,625 rate · balance €102,625After 11 months: €2,887.50 rate · balance €102,887.50After 12 months: €3,150 rate · balance €103,150After 13 months: €3,412.50 rate · balance €103,412.50After 14 months: €3,675 rate · balance €103,675After 15 months: €3,937.50 rate · balance €103,937.50After 16 months: €4,200 rate · balance €104,200After 17 months: €4,462.50 rate · balance €104,462.50After 18 months: €4,725 rate · balance €104,725After 19 months: €4,987.50 rate · balance €104,987.50After 20 months: €5,250 rate · balance €105,250After 21 months: €5,512.50 rate · balance €105,512.50After 22 months: €5,775 rate · balance €105,775After 23 months: €6,037.50 rate · balance €106,037.50After 24 months: €6,300 rate · balance €106,300After 25 months: €6,562.50 rate · balance €106,562.50After 26 months: €6,825 rate · balance €106,825After 27 months: €7,087.50 rate · balance €107,087.50After 28 months: €7,350 rate · balance €107,350After 29 months: €7,612.50 rate · balance €107,612.50After 30 months: €7,875 rate · balance €107,875After 31 months: €8,137.50 rate · balance €108,137.50After 32 months: €8,400 rate · balance €108,400After 33 months: €8,662.50 rate · balance €108,662.50After 34 months: €8,925 rate · balance €108,925After 35 months: €9,187.50 rate · balance €109,187.50After 36 months: €9,450 rate · balance €109,450After 37 months: €9,712.50 rate · balance €109,712.50After 38 months: €9,975 rate · balance €109,975After 39 months: €10,237.50 rate · balance €110,237.50After 40 months: €10,500 rate · balance €110,500After 41 months: €10,762.50 rate · balance €110,762.50After 42 months: €11,025 rate · balance €111,025After 43 months: €11,287.50 rate · balance €111,287.50After 44 months: €11,550 rate · balance €111,550After 45 months: €11,812.50 rate · balance €111,812.50After 46 months: €12,075 rate · balance €112,075After 47 months: €12,337.50 rate · balance €112,337.50After 48 months: €12,600 rate · balance €112,600After 49 months: €12,862.50 rate · balance €112,862.50After 50 months: €13,125 rate · balance €113,125After 51 months: €13,387.50 rate · balance €113,387.50After 52 months: €13,650 rate · balance €113,650After 53 months: €13,912.50 rate · balance €113,912.50After 54 months: €14,175 rate · balance €114,175After 55 months: €14,437.50 rate · balance €114,437.50After 56 months: €14,700 rate · balance €114,700After 57 months: €14,962.50 rate · balance €114,962.50After 58 months: €15,225 rate · balance €115,225After 59 months: €15,487.50 rate · balance €115,487.50After 60 months: €15,750 rate · balance €115,750
Per year
AfterInterest up to thenBalance
1 year€3,150€103,150
2 years€6,300€106,300
3 years€9,450€109,450
4 years€12,600€112,600
5 years€15,750€115,750

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

3.15% from 15 Sep 2026 until now
FromRateUntil
15 Sep 20263.15%current
2 Sep 20262.80%15 Sep 2026

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

  • 15 Sep 2026DHB Bank – Depositorekening (60 mo): 2.80% → 3.15%
  • 2 Sep 2026New: DHB Bank – Depositorekening (60 mo) 2.80%

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 · 3.10% · Direct
4 years · 3.20% · Direct
5 years · 3.15% · Direct
5 years · 3.25% · Direct