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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 €16,800
€521
per year, annualised · €1,042 total over 2 years
Deposit guarantee
€16,800 fully protected
Dutch scheme

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

Your calculation for €16,800

Gross interest over 2 years: €1,042.
Interest built up over 2 years
€ 0€ 500€ 1kstart1 yr2 yrs€1,042After 1 month: €43.40 rate · balance €16,843.40After 2 months: €86.80 rate · balance €16,886.80After 3 months: €130.20 rate · balance €16,930.20After 4 months: €173.60 rate · balance €16,973.60After 5 months: €217 rate · balance €17,017After 6 months: €260.40 rate · balance €17,060.40After 7 months: €303.80 rate · balance €17,103.80After 8 months: €347.20 rate · balance €17,147.20

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

€16,800 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: €390.60 rate · balance €17,190.60After 10 months: €434.00 rate · balance €17,234After 11 months: €477.40 rate · balance €17,277.40After 12 months: €520.80 rate · balance €17,320.80After 13 months: €564.20 rate · balance €17,364.20After 14 months: €607.60 rate · balance €17,407.60After 15 months: €651.00 rate · balance €17,451After 16 months: €694.40 rate · balance €17,494.40After 17 months: €737.80 rate · balance €17,537.80After 18 months: €781.20 rate · balance €17,581.20After 19 months: €824.60 rate · balance €17,624.60After 20 months: €868.00 rate · balance €17,668After 21 months: €911.40 rate · balance €17,711.40After 22 months: €954.80 rate · balance €17,754.80After 23 months: €998.20 rate · balance €17,798.20After 24 months: €1,041.60 rate · balance €17,841.60
€ 0€ 500€ 1kstart1 yr2 yrs€1,042After 1 month: €43.40 rate · balance €16,843.40After 2 months: €86.80 rate · balance €16,886.80After 3 months: €130.20 rate · balance €16,930.20After 4 months: €173.60 rate · balance €16,973.60After 5 months: €217 rate · balance €17,017After 6 months: €260.40 rate · balance €17,060.40After 7 months: €303.80 rate · balance €17,103.80After 8 months: €347.20 rate · balance €17,147.20After 9 months: €390.60 rate · balance €17,190.60After 10 months: €434.00 rate · balance €17,234After 11 months: €477.40 rate · balance €17,277.40After 12 months: €520.80 rate · balance €17,320.80After 13 months: €564.20 rate · balance €17,364.20After 14 months: €607.60 rate · balance €17,407.60After 15 months: €651.00 rate · balance €17,451After 16 months: €694.40 rate · balance €17,494.40After 17 months: €737.80 rate · balance €17,537.80After 18 months: €781.20 rate · balance €17,581.20After 19 months: €824.60 rate · balance €17,624.60After 20 months: €868.00 rate · balance €17,668After 21 months: €911.40 rate · balance €17,711.40After 22 months: €954.80 rate · balance €17,754.80After 23 months: €998.20 rate · balance €17,798.20After 24 months: €1,041.60 rate · balance €17,841.60
Per year
AfterInterest up to thenBalance
1 year€521€17,321
2 years€1,042€17,842

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