Spaarradar

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 €25,000
€788
per year, annualised · €2,363 total over 3 years
Deposit guarantee
€25,000 fully protected
Dutch scheme

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

Your calculation for €25,000

Gross interest over 3 years: €2,363.
Interest built up over 3 years
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,363After 1 month: €65.63 rate · balance €25,065.63After 2 months: €131.25 rate · balance €25,131.25After 3 months: €196.88 rate · balance €25,196.88After 4 months: €262.50 rate · balance €25,262.50After 5 months: €328.13 rate · balance €25,328.13After 6 months: €393.75 rate · balance €25,393.75After 7 months: €459.38 rate · balance €25,459.38After 8 months: €525 rate · balance €25,525After 9 months: €590.63 rate · balance €25,590.63After 10 months: €656.25 rate · balance €25,656.25After 11 months: €721.88 rate · balance €25,721.88After 12 months: €787.50 rate · balance €25,787.50After 13 months: €853.13 rate · balance €25,853.13After 14 months: €918.75 rate · balance €25,918.75After 15 months: €984.38 rate · balance €25,984.38After 16 months: €1,050 rate · balance €26,050After 17 months: €1,115.63 rate · balance €26,115.63After 18 months: €1,181.25 rate · balance €26,181.25After 19 months: €1,246.88 rate · balance €26,246.88After 20 months: €1,312.50 rate · balance €26,312.50After 21 months: €1,378.13 rate · balance €26,378.13After 22 months: €1,443.75 rate · balance €26,443.75After 23 months: €1,509.38 rate · balance €26,509.38After 24 months: €1,575 rate · balance €26,575After 25 months: €1,640.63 rate · balance €26,640.63After 26 months: €1,706.25 rate · balance €26,706.25After 27 months: €1,771.88 rate · balance €26,771.88After 28 months: €1,837.50 rate · balance €26,837.50After 29 months: €1,903.13 rate · balance €26,903.13After 30 months: €1,968.75 rate · balance €26,968.75After 31 months: €2,034.38 rate · balance €27,034.38After 32 months: €2,100 rate · balance €27,100After 33 months: €2,165.63 rate · balance €27,165.63After 34 months: €2,231.25 rate · balance €27,231.25After 35 months: €2,296.88 rate · balance €27,296.88After 36 months: €2,362.50 rate · balance €27,362.50
Per year
AfterInterest up to thenBalance
1 year€788€25,788
2 years€1,575€26,575
3 years€2,363€27,363

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

€25,000 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
Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks

Rate history

0.00%0.50%1.00%1.50%2.00%2.50%3.00%3.50%4.00%7 Aug 202521 Mar 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 2 Nov 2026.

Other offers from DHB Bank

With notice period · 2.00% · DirectWith notice period · 2.10% · DirectInstant access · 3.00% · DirectWith notice period · 2.05% · Direct3 months · 2.00% · Direct3 months · 2.10% · Direct6 months · 2.20% · Direct6 months · 2.10% · Direct9 months · 2.35% · Direct9 months · 2.25% · Direct1 year · 2.75% · Direct1 year · 2.85% · Direct2 years · 3.00% · Direct2 years · 3.10% · Direct2 years · 3.00% · Direct3 years · 3.05% · Direct3 years · 3.05% · Direct4 years · 3.10% · Direct4 years · 3.10% · Direct4 years · 3.20% · Direct5 years · 3.25% · Direct5 years · 3.15% · Direct5 years · 3.15% · Direct