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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 · 5 years · DHB Bank N.V. · Netherlands · Directly at the bank
Open an account at DHB Bank
Rate
3.25%
5 years fixed
since 15 Sep 2026
Your return on €100,000
€3,250
per year, annualised · €16,250 total over 5 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 5 years: €16,250.
Interest built up over 5 years
€ 0€ 10kstart2 yrs4 yrs€16,250After 1 month: €270.83 rate · balance €100,270.83

Rate and conditions

BalanceRate
€0 – and up3.25%
Interest payout
yearly, paid out
Fees
none
Rate valid since
11 Sep 2026
Access
5 years fixed · early withdrawal unknown
Term
5 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 2026now3.25%2.90% from 2 Sep 2026 until 15 Sep 20263.25% from 15 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.25%2.90% 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 2 months: €541.67 rate · balance €100,541.67After 3 months: €812.50 rate · balance €100,812.50After 4 months: €1,083.33 rate · balance €101,083.33After 5 months: €1,354.17 rate · balance €101,354.17After 6 months: €1,625.00 rate · balance €101,625.00After 7 months: €1,895.83 rate · balance €101,895.83After 8 months: €2,166.67 rate · balance €102,166.67After 9 months: €2,437.50 rate · balance €102,437.50After 10 months: €2,708.33 rate · balance €102,708.33After 11 months: €2,979.17 rate · balance €102,979.17After 12 months: €3,250.00 rate · balance €103,250.00After 13 months: €3,520.83 rate · balance €103,520.83After 14 months: €3,791.67 rate · balance €103,791.67After 15 months: €4,062.50 rate · balance €104,062.50After 16 months: €4,333.33 rate · balance €104,333.33After 17 months: €4,604.17 rate · balance €104,604.17After 18 months: €4,875.00 rate · balance €104,875.00After 19 months: €5,145.83 rate · balance €105,145.83After 20 months: €5,416.67 rate · balance €105,416.67After 21 months: €5,687.50 rate · balance €105,687.50After 22 months: €5,958.33 rate · balance €105,958.33After 23 months: €6,229.17 rate · balance €106,229.17After 24 months: €6,500.00 rate · balance €106,500.00After 25 months: €6,770.83 rate · balance €106,770.83After 26 months: €7,041.67 rate · balance €107,041.67After 27 months: €7,312.50 rate · balance €107,312.50After 28 months: €7,583.33 rate · balance €107,583.33After 29 months: €7,854.17 rate · balance €107,854.17After 30 months: €8,125.00 rate · balance €108,125.00After 31 months: €8,395.83 rate · balance €108,395.83After 32 months: €8,666.67 rate · balance €108,666.67After 33 months: €8,937.50 rate · balance €108,937.50After 34 months: €9,208.33 rate · balance €109,208.33After 35 months: €9,479.17 rate · balance €109,479.17After 36 months: €9,750.00 rate · balance €109,750.00After 37 months: €10,020.83 rate · balance €110,020.83After 38 months: €10,291.67 rate · balance €110,291.67After 39 months: €10,562.50 rate · balance €110,562.50After 40 months: €10,833.33 rate · balance €110,833.33After 41 months: €11,104.17 rate · balance €111,104.17After 42 months: €11,375.00 rate · balance €111,375.00After 43 months: €11,645.83 rate · balance €111,645.83After 44 months: €11,916.67 rate · balance €111,916.67After 45 months: €12,187.50 rate · balance €112,187.50After 46 months: €12,458.33 rate · balance €112,458.33After 47 months: €12,729.17 rate · balance €112,729.17After 48 months: €13,000.00 rate · balance €113,000.00After 49 months: €13,270.83 rate · balance €113,270.83After 50 months: €13,541.67 rate · balance €113,541.67After 51 months: €13,812.50 rate · balance €113,812.50After 52 months: €14,083.33 rate · balance €114,083.33After 53 months: €14,354.16 rate · balance €114,354.16After 54 months: €14,625.00 rate · balance €114,625.00After 55 months: €14,895.83 rate · balance €114,895.83After 56 months: €15,166.66 rate · balance €115,166.66After 57 months: €15,437.50 rate · balance €115,437.50After 58 months: €15,708.33 rate · balance €115,708.33After 59 months: €15,979.16 rate · balance €115,979.16After 60 months: €16,250.00 rate · balance €116,250.00
€ 0€ 10kstart1 yr2 yrs3 yrs4 yrs5 yrs€16,250After 1 month: €270.83 rate · balance €100,270.83After 2 months: €541.67 rate · balance €100,541.67After 3 months: €812.50 rate · balance €100,812.50After 4 months: €1,083.33 rate · balance €101,083.33After 5 months: €1,354.17 rate · balance €101,354.17After 6 months: €1,625.00 rate · balance €101,625.00After 7 months: €1,895.83 rate · balance €101,895.83After 8 months: €2,166.67 rate · balance €102,166.67After 9 months: €2,437.50 rate · balance €102,437.50After 10 months: €2,708.33 rate · balance €102,708.33After 11 months: €2,979.17 rate · balance €102,979.17After 12 months: €3,250.00 rate · balance €103,250.00After 13 months: €3,520.83 rate · balance €103,520.83After 14 months: €3,791.67 rate · balance €103,791.67After 15 months: €4,062.50 rate · balance €104,062.50After 16 months: €4,333.33 rate · balance €104,333.33After 17 months: €4,604.17 rate · balance €104,604.17After 18 months: €4,875.00 rate · balance €104,875.00After 19 months: €5,145.83 rate · balance €105,145.83After 20 months: €5,416.67 rate · balance €105,416.67After 21 months: €5,687.50 rate · balance €105,687.50After 22 months: €5,958.33 rate · balance €105,958.33After 23 months: €6,229.17 rate · balance €106,229.17After 24 months: €6,500.00 rate · balance €106,500.00After 25 months: €6,770.83 rate · balance €106,770.83After 26 months: €7,041.67 rate · balance €107,041.67After 27 months: €7,312.50 rate · balance €107,312.50After 28 months: €7,583.33 rate · balance €107,583.33After 29 months: €7,854.17 rate · balance €107,854.17After 30 months: €8,125.00 rate · balance €108,125.00After 31 months: €8,395.83 rate · balance €108,395.83After 32 months: €8,666.67 rate · balance €108,666.67After 33 months: €8,937.50 rate · balance €108,937.50After 34 months: €9,208.33 rate · balance €109,208.33After 35 months: €9,479.17 rate · balance €109,479.17After 36 months: €9,750.00 rate · balance €109,750.00After 37 months: €10,020.83 rate · balance €110,020.83After 38 months: €10,291.67 rate · balance €110,291.67After 39 months: €10,562.50 rate · balance €110,562.50After 40 months: €10,833.33 rate · balance €110,833.33After 41 months: €11,104.17 rate · balance €111,104.17After 42 months: €11,375.00 rate · balance €111,375.00After 43 months: €11,645.83 rate · balance €111,645.83After 44 months: €11,916.67 rate · balance €111,916.67After 45 months: €12,187.50 rate · balance €112,187.50After 46 months: €12,458.33 rate · balance €112,458.33After 47 months: €12,729.17 rate · balance €112,729.17After 48 months: €13,000.00 rate · balance €113,000.00After 49 months: €13,270.83 rate · balance €113,270.83After 50 months: €13,541.67 rate · balance €113,541.67After 51 months: €13,812.50 rate · balance €113,812.50After 52 months: €14,083.33 rate · balance €114,083.33After 53 months: €14,354.16 rate · balance €114,354.16After 54 months: €14,625.00 rate · balance €114,625.00After 55 months: €14,895.83 rate · balance €114,895.83After 56 months: €15,166.66 rate · balance €115,166.66After 57 months: €15,437.50 rate · balance €115,437.50After 58 months: €15,708.33 rate · balance €115,708.33After 59 months: €15,979.16 rate · balance €115,979.16After 60 months: €16,250.00 rate · balance €116,250.00
Per year
AfterInterest up to thenBalance
1 year€3,250€103,250
2 years€6,500€106,500
3 years€9,750€109,750
4 years€13,000€113,000
5 years€16,250€116,250

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

3.25% from 15 Sep 2026 until now
FromRateUntil
15 Sep 20263.25%current
2 Sep 20262.90%15 Sep 2026

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

  • 15 Sep 2026DHB Bank – MaxiSpaarrekening (60 mo): 2.90% → 3.25%
  • 2 Sep 2026New: DHB Bank – MaxiSpaarrekening (60 mo) 2.90%

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
4 years · 3.20% · Direct
5 years · 3.15% · Direct
5 years · 3.15% · Direct