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 €50,000
€1,600
per year, annualised · €6,400 total over 4 years
Deposit guarantee
€50,000 fully protected
Dutch scheme

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

Your calculation for €50,000

Gross interest over 4 years: €6,400.
Interest built up over 4 years
€ 0€ 2,5k€ 5kstart2 yrs4 yrs€6,400After 1 month: €133.33 rate · balance €50,133.33After 2 months: €266.67 rate · balance €50,266.67After 3 months: €400.00 rate · balance €50,400.00After 4 months: €533.33 rate · balance €50,533.33After 5 months: €666.67 rate · balance €50,666.67After 6 months: €800.00 rate · balance €50,800.00After 7 months: €933.33 rate · balance €50,933.33After 8 months: €1,066.67 rate · balance €51,066.67After 9 months: €1,200.00 rate · balance €51,200.00After 10 months: €1,333.33 rate · balance €51,333.33After 11 months: €1,466.67 rate · balance €51,466.67After 12 months: €1,600.00 rate · balance €51,600.00After 13 months: €1,733.33 rate · balance €51,733.33After 14 months: €1,866.67 rate · balance €51,866.67After 15 months: €2,000.00 rate · balance €52,000.00After 16 months: €2,133.33 rate · balance €52,133.33After 17 months: €2,266.67 rate · balance €52,266.67After 18 months: €2,400.00 rate · balance €52,400.00After 19 months: €2,533.33 rate · balance €52,533.33After 20 months: €2,666.67 rate · balance €52,666.67After 21 months: €2,800.00 rate · balance €52,800.00After 22 months: €2,933.33 rate · balance €52,933.33After 23 months: €3,066.67 rate · balance €53,066.67After 24 months: €3,200.00 rate · balance €53,200.00After 25 months: €3,333.33 rate · balance €53,333.33After 26 months: €3,466.67 rate · balance €53,466.67After 27 months: €3,600.00 rate · balance €53,600.00After 28 months: €3,733.33 rate · balance €53,733.33After 29 months: €3,866.67 rate · balance €53,866.67After 30 months: €4,000.00 rate · balance €54,000.00After 31 months: €4,133.33 rate · balance €54,133.33After 32 months: €4,266.67 rate · balance €54,266.67After 33 months: €4,400.00 rate · balance €54,400.00After 34 months: €4,533.33 rate · balance €54,533.33After 35 months: €4,666.67 rate · balance €54,666.67After 36 months: €4,800.00 rate · balance €54,800.00After 37 months: €4,933.33 rate · balance €54,933.33After 38 months: €5,066.67 rate · balance €55,066.67After 39 months: €5,200.00 rate · balance €55,200.00After 40 months: €5,333.33 rate · balance €55,333.33After 41 months: €5,466.67 rate · balance €55,466.67After 42 months: €5,600.00 rate · balance €55,600.00After 43 months: €5,733.33 rate · balance €55,733.33After 44 months: €5,866.67 rate · balance €55,866.67After 45 months: €6,000.00 rate · balance €56,000.00After 46 months: €6,133.33 rate · balance €56,133.33After 47 months: €6,266.67 rate · balance €56,266.67After 48 months: €6,400.00 rate · balance €56,400.00
Per year
AfterInterest up to thenBalance
1 year€1,600€51,600
2 years€3,200€53,200
3 years€4,800€54,800
4 years€6,400€56,400

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

€50,000 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