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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 €16,600
€523
per year, annualised · €1,569 total over 3 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 3 years: €1,569.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,569After 1 month: €43.58 rate · balance €16,643.58After 2 months: €87.15 rate · balance €16,687.15After 3 months: €130.73 rate · balance €16,730.72After 4 months: €174.30 rate · balance €16,774.30After 5 months: €217.88 rate · balance €16,817.88After 6 months: €261.45 rate · balance €16,861.45

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

€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

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: €305.02 rate · balance €16,905.03After 8 months: €348.60 rate · balance €16,948.60After 9 months: €392.17 rate · balance €16,992.17After 10 months: €435.75 rate · balance €17,035.75After 11 months: €479.32 rate · balance €17,079.33After 12 months: €522.90 rate · balance €17,122.90After 13 months: €566.48 rate · balance €17,166.47After 14 months: €610.05 rate · balance €17,210.05After 15 months: €653.63 rate · balance €17,253.63After 16 months: €697.20 rate · balance €17,297.20After 17 months: €740.78 rate · balance €17,340.78After 18 months: €784.35 rate · balance €17,384.35After 19 months: €827.93 rate · balance €17,427.92After 20 months: €871.50 rate · balance €17,471.50After 21 months: €915.08 rate · balance €17,515.08After 22 months: €958.65 rate · balance €17,558.65After 23 months: €1,002.23 rate · balance €17,602.23After 24 months: €1,045.80 rate · balance €17,645.80After 25 months: €1,089.38 rate · balance €17,689.38After 26 months: €1,132.95 rate · balance €17,732.95After 27 months: €1,176.53 rate · balance €17,776.53After 28 months: €1,220.10 rate · balance €17,820.10After 29 months: €1,263.68 rate · balance €17,863.67After 30 months: €1,307.25 rate · balance €17,907.25After 31 months: €1,350.83 rate · balance €17,950.83After 32 months: €1,394.40 rate · balance €17,994.40After 33 months: €1,437.98 rate · balance €18,037.98After 34 months: €1,481.55 rate · balance €18,081.55After 35 months: €1,525.13 rate · balance €18,125.13After 36 months: €1,568.70 rate · balance €18,168.70
€ 0€ 1kstart1 yr2 yrs3 yrs€1,569After 1 month: €43.58 rate · balance €16,643.58After 2 months: €87.15 rate · balance €16,687.15After 3 months: €130.73 rate · balance €16,730.72After 4 months: €174.30 rate · balance €16,774.30After 5 months: €217.88 rate · balance €16,817.88After 6 months: €261.45 rate · balance €16,861.45After 7 months: €305.02 rate · balance €16,905.03After 8 months: €348.60 rate · balance €16,948.60After 9 months: €392.17 rate · balance €16,992.17After 10 months: €435.75 rate · balance €17,035.75After 11 months: €479.32 rate · balance €17,079.33After 12 months: €522.90 rate · balance €17,122.90After 13 months: €566.48 rate · balance €17,166.47After 14 months: €610.05 rate · balance €17,210.05After 15 months: €653.63 rate · balance €17,253.63After 16 months: €697.20 rate · balance €17,297.20After 17 months: €740.78 rate · balance €17,340.78After 18 months: €784.35 rate · balance €17,384.35After 19 months: €827.93 rate · balance €17,427.92After 20 months: €871.50 rate · balance €17,471.50After 21 months: €915.08 rate · balance €17,515.08After 22 months: €958.65 rate · balance €17,558.65After 23 months: €1,002.23 rate · balance €17,602.23After 24 months: €1,045.80 rate · balance €17,645.80After 25 months: €1,089.38 rate · balance €17,689.38After 26 months: €1,132.95 rate · balance €17,732.95After 27 months: €1,176.53 rate · balance €17,776.53After 28 months: €1,220.10 rate · balance €17,820.10After 29 months: €1,263.68 rate · balance €17,863.67After 30 months: €1,307.25 rate · balance €17,907.25After 31 months: €1,350.83 rate · balance €17,950.83After 32 months: €1,394.40 rate · balance €17,994.40After 33 months: €1,437.98 rate · balance €18,037.98After 34 months: €1,481.55 rate · balance €18,081.55After 35 months: €1,525.13 rate · balance €18,125.13After 36 months: €1,568.70 rate · balance €18,168.70
Per year
AfterInterest up to thenBalance
1 year€523€17,123
2 years€1,046€17,646
3 years€1,569€18,169

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