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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 · 3 years · DHB Bank N.V. · Netherlands · Directly at the bank
Open an account at DHB Bank
Rate
3.15%
3 years fixed
since 15 Sep 2026
Your return on €10,000
€315
per year, annualised · €945 total over 3 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 3 years: €945.
Interest built up over 3 years
€ 0€ 500start1 yr2 yrs3 yrs€945After 1 month: €26.25 rate · balance €10,026.25After 2 months: €52.50 rate · balance €10,052.50After 3 months: €78.75 rate · balance €10,078.75After 4 months: €105 rate · balance €10,105After 5 months: €131.25 rate · balance €10,131.25After 6 months: €157.50 rate · balance €10,157.50

Rate and conditions

BalanceRate
€0 – and up3.15%
Interest payout
yearly, paid out
Fees
none
Rate valid since
11 Sep 2026
Access
3 years fixed · early withdrawal unknown
Term
3 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

€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

0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%7 Aug 202527 Feb 2026now3.15%0.05% from 7 Aug 2025 until 13 Sep 20252.15% from 7 Aug 2025 until 13 Sep 2025

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 7 months: €183.75 rate · balance €10,183.75After 8 months: €210 rate · balance €10,210After 9 months: €236.25 rate · balance €10,236.25After 10 months: €262.50 rate · balance €10,262.50After 11 months: €288.75 rate · balance €10,288.75After 12 months: €315 rate · balance €10,315After 13 months: €341.25 rate · balance €10,341.25After 14 months: €367.50 rate · balance €10,367.50After 15 months: €393.75 rate · balance €10,393.75After 16 months: €420 rate · balance €10,420After 17 months: €446.25 rate · balance €10,446.25After 18 months: €472.50 rate · balance €10,472.50After 19 months: €498.75 rate · balance €10,498.75After 20 months: €525 rate · balance €10,525After 21 months: €551.25 rate · balance €10,551.25After 22 months: €577.50 rate · balance €10,577.50After 23 months: €603.75 rate · balance €10,603.75After 24 months: €630 rate · balance €10,630After 25 months: €656.25 rate · balance €10,656.25After 26 months: €682.50 rate · balance €10,682.50After 27 months: €708.75 rate · balance €10,708.75After 28 months: €735 rate · balance €10,735After 29 months: €761.25 rate · balance €10,761.25After 30 months: €787.50 rate · balance €10,787.50After 31 months: €813.75 rate · balance €10,813.75After 32 months: €840 rate · balance €10,840After 33 months: €866.25 rate · balance €10,866.25After 34 months: €892.50 rate · balance €10,892.50After 35 months: €918.75 rate · balance €10,918.75After 36 months: €945 rate · balance €10,945
€ 0€ 500start1 yr2 yrs3 yrs€945After 1 month: €26.25 rate · balance €10,026.25After 2 months: €52.50 rate · balance €10,052.50After 3 months: €78.75 rate · balance €10,078.75After 4 months: €105 rate · balance €10,105After 5 months: €131.25 rate · balance €10,131.25After 6 months: €157.50 rate · balance €10,157.50After 7 months: €183.75 rate · balance €10,183.75After 8 months: €210 rate · balance €10,210After 9 months: €236.25 rate · balance €10,236.25After 10 months: €262.50 rate · balance €10,262.50After 11 months: €288.75 rate · balance €10,288.75After 12 months: €315 rate · balance €10,315After 13 months: €341.25 rate · balance €10,341.25After 14 months: €367.50 rate · balance €10,367.50After 15 months: €393.75 rate · balance €10,393.75After 16 months: €420 rate · balance €10,420After 17 months: €446.25 rate · balance €10,446.25After 18 months: €472.50 rate · balance €10,472.50After 19 months: €498.75 rate · balance €10,498.75After 20 months: €525 rate · balance €10,525After 21 months: €551.25 rate · balance €10,551.25After 22 months: €577.50 rate · balance €10,577.50After 23 months: €603.75 rate · balance €10,603.75After 24 months: €630 rate · balance €10,630After 25 months: €656.25 rate · balance €10,656.25After 26 months: €682.50 rate · balance €10,682.50After 27 months: €708.75 rate · balance €10,708.75After 28 months: €735 rate · balance €10,735After 29 months: €761.25 rate · balance €10,761.25After 30 months: €787.50 rate · balance €10,787.50After 31 months: €813.75 rate · balance €10,813.75After 32 months: €840 rate · balance €10,840After 33 months: €866.25 rate · balance €10,866.25After 34 months: €892.50 rate · balance €10,892.50After 35 months: €918.75 rate · balance €10,918.75After 36 months: €945 rate · balance €10,945
Per year
AfterInterest up to thenBalance
1 year€315€10,315
2 years€630€10,630
3 years€945€10,945

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

2.20% from 7 Aug 2025 until 13 Sep 20252.15% from 13 Sep 2025 until 15 Oct 20250.05% from 13 Sep 2025 until 15 Oct 20252.50% from 13 Sep 2025 until 15 Oct 20252.35% from 15 Oct 2025 until 9 Dec 20250.05% from 15 Oct 2025 until 9 Dec 20252.35% from 15 Oct 2025 until 9 Dec 20252.30% from 15 Oct 2025 until 9 Dec 20250.05% from 15 Oct 2025 until 9 Dec 20252.30% from 15 Oct 2025 until 9 Dec 20252.30% from 9 Dec 2025 until 14 Jan 20262.25% from 9 Dec 2025 until 14 Jan 20262.35% from 9 Dec 2025 until 14 Jan 20262.40% from 14 Jan 2026 until 7 Mar 20262.35% from 14 Jan 2026 until 7 Mar 20262.45% from 14 Jan 2026 until 7 Mar 20262.40% from 14 Jan 2026 until 7 Mar 20262.45% from 14 Jan 2026 until 7 Mar 20262.35% from 14 Jan 2026 until 7 Mar 20262.55% from 7 Mar 2026 until 11 Jun 20262.50% from 7 Mar 2026 until 11 Jun 20262.60% from 7 Mar 2026 until 11 Jun 20262.55% from 7 Mar 2026 until 11 Jun 20262.50% from 7 Mar 2026 until 11 Jun 20262.60% from 7 Mar 2026 until 11 Jun 20262.55% from 7 Mar 2026 until 11 Jun 20262.50% from 7 Mar 2026 until 11 Jun 20262.60% from 7 Mar 2026 until 11 Jun 20262.80% from 11 Jun 2026 until 2 Sep 20262.70% from 11 Jun 2026 until 2 Sep 20262.70% from 11 Jun 2026 until 2 Sep 20262.80% from 11 Jun 2026 until 2 Sep 20262.70% from 11 Jun 2026 until 2 Sep 20262.80% from 11 Jun 2026 until 2 Sep 20262.70% from 11 Jun 2026 until 2 Sep 20262.80% from 2 Sep 2026 until 15 Sep 20263.15% from 15 Sep 2026 until now
0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%7 Aug 202527 Feb 2026now3.15%0.05% from 7 Aug 2025 until 13 Sep 20252.15% from 7 Aug 2025 until 13 Sep 20252.20% from 7 Aug 2025 until 13 Sep 20252.15% from 13 Sep 2025 until 15 Oct 20250.05% from 13 Sep 2025 until 15 Oct 20252.50% from 13 Sep 2025 until 15 Oct 20252.35% from 15 Oct 2025 until 9 Dec 20250.05% from 15 Oct 2025 until 9 Dec 20252.35% from 15 Oct 2025 until 9 Dec 20252.30% from 15 Oct 2025 until 9 Dec 20250.05% from 15 Oct 2025 until 9 Dec 20252.30% from 15 Oct 2025 until 9 Dec 20252.30% from 9 Dec 2025 until 14 Jan 20262.25% from 9 Dec 2025 until 14 Jan 20262.35% from 9 Dec 2025 until 14 Jan 20262.40% from 14 Jan 2026 until 7 Mar 20262.35% from 14 Jan 2026 until 7 Mar 20262.45% from 14 Jan 2026 until 7 Mar 20262.40% from 14 Jan 2026 until 7 Mar 20262.45% from 14 Jan 2026 until 7 Mar 20262.35% from 14 Jan 2026 until 7 Mar 20262.55% from 7 Mar 2026 until 11 Jun 20262.50% from 7 Mar 2026 until 11 Jun 20262.60% from 7 Mar 2026 until 11 Jun 20262.55% from 7 Mar 2026 until 11 Jun 20262.50% from 7 Mar 2026 until 11 Jun 20262.60% from 7 Mar 2026 until 11 Jun 20262.55% from 7 Mar 2026 until 11 Jun 20262.50% from 7 Mar 2026 until 11 Jun 20262.60% from 7 Mar 2026 until 11 Jun 20262.80% from 11 Jun 2026 until 2 Sep 20262.70% from 11 Jun 2026 until 2 Sep 20262.70% from 11 Jun 2026 until 2 Sep 20262.80% from 11 Jun 2026 until 2 Sep 20262.70% from 11 Jun 2026 until 2 Sep 20262.80% from 11 Jun 2026 until 2 Sep 20262.70% from 11 Jun 2026 until 2 Sep 20262.80% from 2 Sep 2026 until 15 Sep 20263.15% from 15 Sep 2026 until now
FromRateUntil
15 Sep 20263.15%current
2 Sep 20262.80%15 Sep 2026
11 Jun 20262.80%2 Sep 2026web archive
11 Jun 20262.70%2 Sep 2026web archive
11 Jun 20262.70%2 Sep 2026web archive
11 Jun 20262.80%2 Sep 2026web archive
11 Jun 20262.70%2 Sep 2026web archive
11 Jun 20262.80%2 Sep 2026web archive
11 Jun 20262.70%2 Sep 2026web archive
7 Mar 20262.55%11 Jun 2026web archive
7 Mar 20262.50%11 Jun 2026web archive
7 Mar 20262.60%11 Jun 2026web archive
7 Mar 20262.55%11 Jun 2026web archive
7 Mar 20262.50%11 Jun 2026web archive
7 Mar 20262.60%11 Jun 2026web archive
7 Mar 20262.55%11 Jun 2026web archive
7 Mar 20262.50%11 Jun 2026web archive
7 Mar 20262.60%11 Jun 2026web archive
14 Jan 20262.40%7 Mar 2026web archive
14 Jan 20262.35%7 Mar 2026web archive
14 Jan 20262.45%7 Mar 2026web archive
14 Jan 20262.40%7 Mar 2026web archive
14 Jan 20262.45%7 Mar 2026web archive
14 Jan 20262.35%7 Mar 2026web archive
9 Dec 20252.30%14 Jan 2026web archive
9 Dec 20252.25%14 Jan 2026web archive
9 Dec 20252.35%14 Jan 2026web archive
15 Oct 20252.35%9 Dec 2025web archive
15 Oct 20250.05%9 Dec 2025web archive
15 Oct 20252.35%9 Dec 2025web archive
15 Oct 20252.30%9 Dec 2025web archive
15 Oct 20250.05%9 Dec 2025web archive
15 Oct 20252.30%9 Dec 2025web archive
13 Sep 20252.15%15 Oct 2025web archive
13 Sep 20250.05%15 Oct 2025web archive
13 Sep 20252.50%15 Oct 2025web archive
7 Aug 20250.05%13 Sep 2025web archive
7 Aug 20252.15%13 Sep 2025web archive
7 Aug 20252.20%13 Sep 2025web archive

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

  • 15 Sep 2026DHB Bank – MaxiSpaarrekening (36 mo): 2.80% → 3.15%
  • 2 Sep 2026New: DHB Bank – MaxiSpaarrekening (36 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 · 3.05% · 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