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 €25,000
€800
per year, annualised · €3,200 total over 4 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 4 years: €3,200.
Interest built up over 4 years
€ 0€ 2kstart2 yrs4 yrs€3,200After 1 month: €66.67 rate · balance €25,066.67After 2 months: €133.33 rate · balance €25,133.33After 3 months: €200.00 rate · balance €25,200.00After 4 months: €266.67 rate · balance €25,266.67After 5 months: €333.33 rate · balance €25,333.33After 6 months: €400.00 rate · balance €25,400.00After 7 months: €466.67 rate · balance €25,466.67After 8 months: €533.33 rate · balance €25,533.33After 9 months: €600.00 rate · balance €25,600.00After 10 months: €666.67 rate · balance €25,666.67After 11 months: €733.33 rate · balance €25,733.33After 12 months: €800.00 rate · balance €25,800.00After 13 months: €866.67 rate · balance €25,866.67After 14 months: €933.33 rate · balance €25,933.33After 15 months: €1,000.00 rate · balance €26,000.00After 16 months: €1,066.67 rate · balance €26,066.67After 17 months: €1,133.33 rate · balance €26,133.33After 18 months: €1,200.00 rate · balance €26,200.00After 19 months: €1,266.67 rate · balance €26,266.67After 20 months: €1,333.33 rate · balance €26,333.33After 21 months: €1,400.00 rate · balance €26,400.00After 22 months: €1,466.67 rate · balance €26,466.67After 23 months: €1,533.33 rate · balance €26,533.33After 24 months: €1,600.00 rate · balance €26,600.00After 25 months: €1,666.67 rate · balance €26,666.67After 26 months: €1,733.33 rate · balance €26,733.33After 27 months: €1,800.00 rate · balance €26,800.00After 28 months: €1,866.67 rate · balance €26,866.67After 29 months: €1,933.33 rate · balance €26,933.33After 30 months: €2,000.00 rate · balance €27,000.00After 31 months: €2,066.67 rate · balance €27,066.67After 32 months: €2,133.33 rate · balance €27,133.33After 33 months: €2,200.00 rate · balance €27,200.00After 34 months: €2,266.67 rate · balance €27,266.67After 35 months: €2,333.33 rate · balance €27,333.33After 36 months: €2,400.00 rate · balance €27,400.00After 37 months: €2,466.67 rate · balance €27,466.67After 38 months: €2,533.33 rate · balance €27,533.33After 39 months: €2,600.00 rate · balance €27,600.00After 40 months: €2,666.67 rate · balance €27,666.67After 41 months: €2,733.33 rate · balance €27,733.33After 42 months: €2,800.00 rate · balance €27,800.00After 43 months: €2,866.67 rate · balance €27,866.67After 44 months: €2,933.33 rate · balance €27,933.33After 45 months: €3,000.00 rate · balance €28,000.00After 46 months: €3,066.67 rate · balance €28,066.67After 47 months: €3,133.33 rate · balance €28,133.33After 48 months: €3,200.00 rate · balance €28,200.00
Per year
AfterInterest up to thenBalance
1 year€800€25,800
2 years€1,600€26,600
3 years€2,400€27,400
4 years€3,200€28,200

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

€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

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