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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 · 4 years · DHB Bank N.V. · Netherlands · Directly at the bank
Open an account at DHB Bank
Rate
3.20%
4 years fixed
since 15 Sep 2026
Your return on €100,000
€3,200
per year, annualised · €12,800 total over 4 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 4 years: €12,800.
Interest built up over 4 years
€ 0€ 5k€ 10kstart2 yrs4 yrs€12,800After 1 month: €266.67 rate · balance €100,266.67After 2 months: €533.33 rate · balance €100,533.33

Rate and conditions

BalanceRate
€0 – and up3.20%
Interest payout
yearly, paid out
Fees
none
Rate valid since
11 Sep 2026
Access
4 years fixed · early withdrawal unknown
Term
4 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

€100,000 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

2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.20%2.85% from 2 Sep 2026 until 15 Sep 20263.20% from 15 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.20%2.85% 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 3 months: €800.00 rate · balance €100,800.00After 4 months: €1,066.67 rate · balance €101,066.67After 5 months: €1,333.33 rate · balance €101,333.33After 6 months: €1,600.00 rate · balance €101,600.00After 7 months: €1,866.67 rate · balance €101,866.67After 8 months: €2,133.33 rate · balance €102,133.33After 9 months: €2,400.00 rate · balance €102,400.00After 10 months: €2,666.67 rate · balance €102,666.67After 11 months: €2,933.33 rate · balance €102,933.33After 12 months: €3,200.00 rate · balance €103,200.00After 13 months: €3,466.67 rate · balance €103,466.67After 14 months: €3,733.33 rate · balance €103,733.33After 15 months: €4,000.00 rate · balance €104,000.00After 16 months: €4,266.67 rate · balance €104,266.67After 17 months: €4,533.33 rate · balance €104,533.33After 18 months: €4,800.00 rate · balance €104,800.00After 19 months: €5,066.67 rate · balance €105,066.67After 20 months: €5,333.33 rate · balance €105,333.33After 21 months: €5,600.00 rate · balance €105,600.00After 22 months: €5,866.67 rate · balance €105,866.67After 23 months: €6,133.33 rate · balance €106,133.33After 24 months: €6,400.00 rate · balance €106,400.00After 25 months: €6,666.67 rate · balance €106,666.67After 26 months: €6,933.33 rate · balance €106,933.33After 27 months: €7,200.00 rate · balance €107,200.00After 28 months: €7,466.67 rate · balance €107,466.67After 29 months: €7,733.33 rate · balance €107,733.33After 30 months: €8,000.00 rate · balance €108,000.00After 31 months: €8,266.67 rate · balance €108,266.67After 32 months: €8,533.33 rate · balance €108,533.33After 33 months: €8,800.00 rate · balance €108,800.00After 34 months: €9,066.67 rate · balance €109,066.67After 35 months: €9,333.33 rate · balance €109,333.33After 36 months: €9,600.00 rate · balance €109,600.00After 37 months: €9,866.67 rate · balance €109,866.67After 38 months: €10,133.33 rate · balance €110,133.33After 39 months: €10,400.00 rate · balance €110,400.00After 40 months: €10,666.67 rate · balance €110,666.67After 41 months: €10,933.33 rate · balance €110,933.33After 42 months: €11,200.00 rate · balance €111,200.00After 43 months: €11,466.67 rate · balance €111,466.67After 44 months: €11,733.33 rate · balance €111,733.33After 45 months: €12,000.00 rate · balance €112,000.00After 46 months: €12,266.67 rate · balance €112,266.67After 47 months: €12,533.33 rate · balance €112,533.33After 48 months: €12,800.00 rate · balance €112,800.00
€ 0€ 5k€ 10kstart1 yr2 yrs3 yrs4 yrs€12,800After 1 month: €266.67 rate · balance €100,266.67After 2 months: €533.33 rate · balance €100,533.33After 3 months: €800.00 rate · balance €100,800.00After 4 months: €1,066.67 rate · balance €101,066.67After 5 months: €1,333.33 rate · balance €101,333.33After 6 months: €1,600.00 rate · balance €101,600.00After 7 months: €1,866.67 rate · balance €101,866.67After 8 months: €2,133.33 rate · balance €102,133.33After 9 months: €2,400.00 rate · balance €102,400.00After 10 months: €2,666.67 rate · balance €102,666.67After 11 months: €2,933.33 rate · balance €102,933.33After 12 months: €3,200.00 rate · balance €103,200.00After 13 months: €3,466.67 rate · balance €103,466.67After 14 months: €3,733.33 rate · balance €103,733.33After 15 months: €4,000.00 rate · balance €104,000.00After 16 months: €4,266.67 rate · balance €104,266.67After 17 months: €4,533.33 rate · balance €104,533.33After 18 months: €4,800.00 rate · balance €104,800.00After 19 months: €5,066.67 rate · balance €105,066.67After 20 months: €5,333.33 rate · balance €105,333.33After 21 months: €5,600.00 rate · balance €105,600.00After 22 months: €5,866.67 rate · balance €105,866.67After 23 months: €6,133.33 rate · balance €106,133.33After 24 months: €6,400.00 rate · balance €106,400.00After 25 months: €6,666.67 rate · balance €106,666.67After 26 months: €6,933.33 rate · balance €106,933.33After 27 months: €7,200.00 rate · balance €107,200.00After 28 months: €7,466.67 rate · balance €107,466.67After 29 months: €7,733.33 rate · balance €107,733.33After 30 months: €8,000.00 rate · balance €108,000.00After 31 months: €8,266.67 rate · balance €108,266.67After 32 months: €8,533.33 rate · balance €108,533.33After 33 months: €8,800.00 rate · balance €108,800.00After 34 months: €9,066.67 rate · balance €109,066.67After 35 months: €9,333.33 rate · balance €109,333.33After 36 months: €9,600.00 rate · balance €109,600.00After 37 months: €9,866.67 rate · balance €109,866.67After 38 months: €10,133.33 rate · balance €110,133.33After 39 months: €10,400.00 rate · balance €110,400.00After 40 months: €10,666.67 rate · balance €110,666.67After 41 months: €10,933.33 rate · balance €110,933.33After 42 months: €11,200.00 rate · balance €111,200.00After 43 months: €11,466.67 rate · balance €111,466.67After 44 months: €11,733.33 rate · balance €111,733.33After 45 months: €12,000.00 rate · balance €112,000.00After 46 months: €12,266.67 rate · balance €112,266.67After 47 months: €12,533.33 rate · balance €112,533.33After 48 months: €12,800.00 rate · balance €112,800.00
Per year
AfterInterest up to thenBalance
1 year€3,200€103,200
2 years€6,400€106,400
3 years€9,600€109,600
4 years€12,800€112,800

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

3.20% from 15 Sep 2026 until now
FromRateUntil
15 Sep 20263.20%current
2 Sep 20262.85%15 Sep 2026

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

  • 15 Sep 2026DHB Bank – MaxiSpaarrekening (48 mo): 2.85% → 3.20%
  • 2 Sep 2026New: DHB Bank – MaxiSpaarrekening (48 mo) 2.85%

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 · 3.15% · Direct
3 years · 3.05% · Direct
4 years · 3.10% · Direct
4 years · 3.10% · Direct
5 years · 3.15% · Direct
5 years · 3.15% · Direct
5 years · 3.25% · Direct