Spaarradar

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 €16,800
€538
per year, annualised · €2,150 total over 4 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 4 years: €2,150.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,150After 1 month: €44.80 rate · balance €16,844.80After 2 months: €89.60 rate · balance €16,889.60After 3 months: €134.40 rate · balance €16,934.40After 4 months: €179.20 rate · balance €16,979.20After 5 months: €224 rate · balance €17,024After 6 months: €268.80 rate · balance €17,068.80After 7 months: €313.60 rate · balance €17,113.60After 8 months: €358.40 rate · balance €17,158.40After 9 months: €403.20 rate · balance €17,203.20After 10 months: €448.00 rate · balance €17,248After 11 months: €492.80 rate · balance €17,292.80After 12 months: €537.60 rate · balance €17,337.60After 13 months: €582.40 rate · balance €17,382.40After 14 months: €627.20 rate · balance €17,427.20After 15 months: €672.00 rate · balance €17,472After 16 months: €716.80 rate · balance €17,516.80After 17 months: €761.60 rate · balance €17,561.60After 18 months: €806.40 rate · balance €17,606.40After 19 months: €851.20 rate · balance €17,651.20After 20 months: €896.00 rate · balance €17,696After 21 months: €940.80 rate · balance €17,740.80After 22 months: €985.60 rate · balance €17,785.60After 23 months: €1,030.40 rate · balance €17,830.40After 24 months: €1,075.20 rate · balance €17,875.20After 25 months: €1,120.00 rate · balance €17,920After 26 months: €1,164.80 rate · balance €17,964.80After 27 months: €1,209.60 rate · balance €18,009.60After 28 months: €1,254.40 rate · balance €18,054.40After 29 months: €1,299.20 rate · balance €18,099.20After 30 months: €1,344.00 rate · balance €18,144After 31 months: €1,388.80 rate · balance €18,188.80After 32 months: €1,433.60 rate · balance €18,233.60After 33 months: €1,478.40 rate · balance €18,278.40After 34 months: €1,523.20 rate · balance €18,323.20After 35 months: €1,568.00 rate · balance €18,368After 36 months: €1,612.80 rate · balance €18,412.80After 37 months: €1,657.60 rate · balance €18,457.60After 38 months: €1,702.40 rate · balance €18,502.40After 39 months: €1,747.20 rate · balance €18,547.20After 40 months: €1,792.00 rate · balance €18,592After 41 months: €1,836.80 rate · balance €18,636.80After 42 months: €1,881.60 rate · balance €18,681.60After 43 months: €1,926.40 rate · balance €18,726.40After 44 months: €1,971.20 rate · balance €18,771.20After 45 months: €2,016.00 rate · balance €18,816After 46 months: €2,060.80 rate · balance €18,860.80After 47 months: €2,105.60 rate · balance €18,905.60After 48 months: €2,150.40 rate · balance €18,950.40
Per year
AfterInterest up to thenBalance
1 year€538€17,338
2 years€1,075€17,875
3 years€1,613€18,413
4 years€2,150€18,950

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

€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
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

1.50%2.00%2.50%3.00%3.50%7 Aug 202521 Mar 2026now3.20%2.00% from 7 Aug 2025 until 13 Sep 20252.25% from 7 Aug 2025 until 13 Sep 20252.20% from 7 Aug 2025 until 13 Sep 20252.00% from 13 Sep 2025 until 15 Oct 20252.50% from 13 Sep 2025 until 15 Oct 20252.20% from 13 Sep 2025 until 15 Oct 20252.00% from 15 Oct 2025 until 9 Dec 20252.35% from 15 Oct 2025 until 9 Dec 20252.00% from 15 Oct 2025 until 9 Dec 20252.40% from 15 Oct 2025 until 9 Dec 20252.35% from 15 Oct 2025 until 9 Dec 20252.40% from 15 Oct 2025 until 9 Dec 20252.35% from 9 Dec 2025 until 14 Jan 20262.40% from 9 Dec 2025 until 14 Jan 20262.30% from 9 Dec 2025 until 14 Jan 20262.45% from 14 Jan 2026 until 7 Mar 20262.45% from 14 Jan 2026 until 7 Mar 20262.50% from 14 Jan 2026 until 7 Mar 20262.40% from 14 Jan 2026 until 7 Mar 20262.40% from 14 Jan 2026 until 7 Mar 20262.50% from 14 Jan 2026 until 7 Mar 20262.65% from 7 Mar 2026 until 11 Jun 20262.55% from 7 Mar 2026 until 11 Jun 20262.65% from 7 Mar 2026 until 11 Jun 20262.60% 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 20262.55% from 7 Mar 2026 until 11 Jun 20262.65% from 7 Mar 2026 until 11 Jun 20262.60% from 7 Mar 2026 until 11 Jun 20262.85% from 11 Jun 2026 until 2 Sep 20262.85% from 11 Jun 2026 until 2 Sep 20262.75% from 11 Jun 2026 until 2 Sep 20262.75% from 11 Jun 2026 until 2 Sep 20262.75% from 11 Jun 2026 until 2 Sep 20262.85% from 11 Jun 2026 until 2 Sep 20262.75% from 11 Jun 2026 until 2 Sep 20262.85% from 2 Sep 2026 until 15 Sep 20263.20% from 15 Sep 2026 until now
FromRateUntil
15 Sep 20263.20%current
2 Sep 20262.85%15 Sep 2026
11 Jun 20262.85%2 Sep 2026web archive
11 Jun 20262.85%2 Sep 2026web archive
11 Jun 20262.75%2 Sep 2026web archive
11 Jun 20262.75%2 Sep 2026web archive
11 Jun 20262.75%2 Sep 2026web archive
11 Jun 20262.85%2 Sep 2026web archive
11 Jun 20262.75%2 Sep 2026web archive
7 Mar 20262.65%11 Jun 2026web archive
7 Mar 20262.55%11 Jun 2026web archive
7 Mar 20262.65%11 Jun 2026web archive
7 Mar 20262.60%11 Jun 2026web archive
7 Mar 20262.60%11 Jun 2026web archive
7 Mar 20262.55%11 Jun 2026web archive
7 Mar 20262.55%11 Jun 2026web archive
7 Mar 20262.65%11 Jun 2026web archive
7 Mar 20262.60%11 Jun 2026web archive
14 Jan 20262.45%7 Mar 2026web archive
14 Jan 20262.45%7 Mar 2026web archive
14 Jan 20262.50%7 Mar 2026web archive
14 Jan 20262.40%7 Mar 2026web archive
14 Jan 20262.40%7 Mar 2026web archive
14 Jan 20262.50%7 Mar 2026web archive
9 Dec 20252.35%14 Jan 2026web archive
9 Dec 20252.40%14 Jan 2026web archive
9 Dec 20252.30%14 Jan 2026web archive
15 Oct 20252.00%9 Dec 2025web archive
15 Oct 20252.35%9 Dec 2025web archive
15 Oct 20252.00%9 Dec 2025web archive
15 Oct 20252.40%9 Dec 2025web archive
15 Oct 20252.35%9 Dec 2025web archive
15 Oct 20252.40%9 Dec 2025web archive
13 Sep 20252.00%15 Oct 2025web archive
13 Sep 20252.50%15 Oct 2025web archive
13 Sep 20252.20%15 Oct 2025web archive
7 Aug 20252.00%13 Sep 2025web archive
7 Aug 20252.25%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 (48 mo): 2.85% → 3.20%
  • 2 Sep 2026New: DHB Bank – MaxiSpaarrekening (48 mo) 2.85%

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 · 3.15% · Direct3 years · 3.05% · Direct3 years · 3.05% · Direct4 years · 3.10% · Direct4 years · 3.10% · Direct5 years · 3.25% · Direct5 years · 3.15% · Direct5 years · 3.15% · Direct