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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 BankMaxiSpaarrekening

Deposit · 2 years · DHB Bank N.V. · Netherlands · Directly at the bank
Open an account at DHB Bank
Rate
3.10%
2 years fixed
since 15 Sep 2026
Your return on €16,600
€515
per year, annualised · €1,029 total over 2 years
Deposit guarantee
€16,600 fully protected
Dutch scheme

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

Your calculation for €16,600

Gross interest over 2 years: €1,029.
Interest built up over 2 years
€ 0€ 500€ 1kstart1 yr2 yrs€1,029After 1 month: €42.88 rate · balance €16,642.88After 2 months: €85.77 rate · balance €16,685.77After 3 months: €128.65 rate · balance €16,728.65After 4 months: €171.53 rate · balance €16,771.53After 5 months: €214.42 rate · balance €16,814.42After 6 months: €257.30 rate · balance €16,857.30After 7 months: €300.18 rate · balance €16,900.18After 8 months: €343.07 rate · balance €16,943.07

Rate and conditions

BalanceRate
€0 – and up3.10%
Interest payout
yearly, paid out
Fees
none
Rate valid since
11 Sep 2026
Access
2 years fixed · early withdrawal unknown
Term
2 years
Minimum deposit
€500
Maximum deposit
€500,000
Current account required
unknown
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands

Deposit guarantee

€16,600 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 9 months: €385.95 rate · balance €16,985.95After 10 months: €428.83 rate · balance €17,028.83After 11 months: €471.72 rate · balance €17,071.72After 12 months: €514.60 rate · balance €17,114.60After 13 months: €557.48 rate · balance €17,157.48After 14 months: €600.37 rate · balance €17,200.37After 15 months: €643.25 rate · balance €17,243.25After 16 months: €686.13 rate · balance €17,286.13After 17 months: €729.02 rate · balance €17,329.02After 18 months: €771.90 rate · balance €17,371.90After 19 months: €814.78 rate · balance €17,414.78After 20 months: €857.67 rate · balance €17,457.67After 21 months: €900.55 rate · balance €17,500.55After 22 months: €943.43 rate · balance €17,543.43After 23 months: €986.32 rate · balance €17,586.32After 24 months: €1,029.20 rate · balance €17,629.20
€ 0€ 500€ 1kstart1 yr2 yrs€1,029After 1 month: €42.88 rate · balance €16,642.88After 2 months: €85.77 rate · balance €16,685.77After 3 months: €128.65 rate · balance €16,728.65After 4 months: €171.53 rate · balance €16,771.53After 5 months: €214.42 rate · balance €16,814.42After 6 months: €257.30 rate · balance €16,857.30After 7 months: €300.18 rate · balance €16,900.18After 8 months: €343.07 rate · balance €16,943.07After 9 months: €385.95 rate · balance €16,985.95After 10 months: €428.83 rate · balance €17,028.83After 11 months: €471.72 rate · balance €17,071.72After 12 months: €514.60 rate · balance €17,114.60After 13 months: €557.48 rate · balance €17,157.48After 14 months: €600.37 rate · balance €17,200.37After 15 months: €643.25 rate · balance €17,243.25After 16 months: €686.13 rate · balance €17,286.13After 17 months: €729.02 rate · balance €17,329.02After 18 months: €771.90 rate · balance €17,371.90After 19 months: €814.78 rate · balance €17,414.78After 20 months: €857.67 rate · balance €17,457.67After 21 months: €900.55 rate · balance €17,500.55After 22 months: €943.43 rate · balance €17,543.43After 23 months: €986.32 rate · balance €17,586.32After 24 months: €1,029.20 rate · balance €17,629.20
Per year
AfterInterest up to thenBalance
1 year€515€17,115
2 years€1,029€17,629

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 – MaxiSpaarrekening (24 mo): 2.75% → 3.10%
  • 2 Sep 2026New: DHB Bank – MaxiSpaarrekening (24 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 · 3.00% · 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 · 3.15% · Direct
5 years · 3.25% · Direct