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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 €16,800
€546
per year, annualised · €2,730 total over 5 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 5 years: €2,730.
Interest built up over 5 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,730

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

€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
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 1 month: €45.50 rate · balance €16,845.50After 2 months: €91 rate · balance €16,891After 3 months: €136.50 rate · balance €16,936.50After 4 months: €182 rate · balance €16,982After 5 months: €227.50 rate · balance €17,027.50After 6 months: €273 rate · balance €17,073After 7 months: €318.50 rate · balance €17,118.50After 8 months: €364 rate · balance €17,164After 9 months: €409.50 rate · balance €17,209.50After 10 months: €455 rate · balance €17,255After 11 months: €500.50 rate · balance €17,300.50After 12 months: €546 rate · balance €17,346After 13 months: €591.50 rate · balance €17,391.50After 14 months: €637 rate · balance €17,437After 15 months: €682.50 rate · balance €17,482.50After 16 months: €728 rate · balance €17,528After 17 months: €773.50 rate · balance €17,573.50After 18 months: €819 rate · balance €17,619After 19 months: €864.50 rate · balance €17,664.50After 20 months: €910 rate · balance €17,710After 21 months: €955.50 rate · balance €17,755.50After 22 months: €1,001 rate · balance €17,801After 23 months: €1,046.50 rate · balance €17,846.50After 24 months: €1,092 rate · balance €17,892After 25 months: €1,137.50 rate · balance €17,937.50After 26 months: €1,183 rate · balance €17,983After 27 months: €1,228.50 rate · balance €18,028.50After 28 months: €1,274 rate · balance €18,074After 29 months: €1,319.50 rate · balance €18,119.50After 30 months: €1,365 rate · balance €18,165After 31 months: €1,410.50 rate · balance €18,210.50After 32 months: €1,456 rate · balance €18,256After 33 months: €1,501.50 rate · balance €18,301.50After 34 months: €1,547 rate · balance €18,347After 35 months: €1,592.50 rate · balance €18,392.50After 36 months: €1,638 rate · balance €18,438After 37 months: €1,683.50 rate · balance €18,483.50After 38 months: €1,729 rate · balance €18,529After 39 months: €1,774.50 rate · balance €18,574.50After 40 months: €1,820 rate · balance €18,620After 41 months: €1,865.50 rate · balance €18,665.50After 42 months: €1,911 rate · balance €18,711After 43 months: €1,956.50 rate · balance €18,756.50After 44 months: €2,002 rate · balance €18,802After 45 months: €2,047.50 rate · balance €18,847.50After 46 months: €2,093 rate · balance €18,893After 47 months: €2,138.50 rate · balance €18,938.50After 48 months: €2,184 rate · balance €18,984After 49 months: €2,229.50 rate · balance €19,029.50After 50 months: €2,275 rate · balance €19,075After 51 months: €2,320.50 rate · balance €19,120.50After 52 months: €2,366 rate · balance €19,166After 53 months: €2,411.50 rate · balance €19,211.50After 54 months: €2,457 rate · balance €19,257After 55 months: €2,502.50 rate · balance €19,302.50After 56 months: €2,548 rate · balance €19,348After 57 months: €2,593.50 rate · balance €19,393.50After 58 months: €2,639 rate · balance €19,439After 59 months: €2,684.50 rate · balance €19,484.50After 60 months: €2,730 rate · balance €19,530
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs€2,730After 1 month: €45.50 rate · balance €16,845.50After 2 months: €91 rate · balance €16,891After 3 months: €136.50 rate · balance €16,936.50After 4 months: €182 rate · balance €16,982After 5 months: €227.50 rate · balance €17,027.50After 6 months: €273 rate · balance €17,073After 7 months: €318.50 rate · balance €17,118.50After 8 months: €364 rate · balance €17,164After 9 months: €409.50 rate · balance €17,209.50After 10 months: €455 rate · balance €17,255After 11 months: €500.50 rate · balance €17,300.50After 12 months: €546 rate · balance €17,346After 13 months: €591.50 rate · balance €17,391.50After 14 months: €637 rate · balance €17,437After 15 months: €682.50 rate · balance €17,482.50After 16 months: €728 rate · balance €17,528After 17 months: €773.50 rate · balance €17,573.50After 18 months: €819 rate · balance €17,619After 19 months: €864.50 rate · balance €17,664.50After 20 months: €910 rate · balance €17,710After 21 months: €955.50 rate · balance €17,755.50After 22 months: €1,001 rate · balance €17,801After 23 months: €1,046.50 rate · balance €17,846.50After 24 months: €1,092 rate · balance €17,892After 25 months: €1,137.50 rate · balance €17,937.50After 26 months: €1,183 rate · balance €17,983After 27 months: €1,228.50 rate · balance €18,028.50After 28 months: €1,274 rate · balance €18,074After 29 months: €1,319.50 rate · balance €18,119.50After 30 months: €1,365 rate · balance €18,165After 31 months: €1,410.50 rate · balance €18,210.50After 32 months: €1,456 rate · balance €18,256After 33 months: €1,501.50 rate · balance €18,301.50After 34 months: €1,547 rate · balance €18,347After 35 months: €1,592.50 rate · balance €18,392.50After 36 months: €1,638 rate · balance €18,438After 37 months: €1,683.50 rate · balance €18,483.50After 38 months: €1,729 rate · balance €18,529After 39 months: €1,774.50 rate · balance €18,574.50After 40 months: €1,820 rate · balance €18,620After 41 months: €1,865.50 rate · balance €18,665.50After 42 months: €1,911 rate · balance €18,711After 43 months: €1,956.50 rate · balance €18,756.50After 44 months: €2,002 rate · balance €18,802After 45 months: €2,047.50 rate · balance €18,847.50After 46 months: €2,093 rate · balance €18,893After 47 months: €2,138.50 rate · balance €18,938.50After 48 months: €2,184 rate · balance €18,984After 49 months: €2,229.50 rate · balance €19,029.50After 50 months: €2,275 rate · balance €19,075After 51 months: €2,320.50 rate · balance €19,120.50After 52 months: €2,366 rate · balance €19,166After 53 months: €2,411.50 rate · balance €19,211.50After 54 months: €2,457 rate · balance €19,257After 55 months: €2,502.50 rate · balance €19,302.50After 56 months: €2,548 rate · balance €19,348After 57 months: €2,593.50 rate · balance €19,393.50After 58 months: €2,639 rate · balance €19,439After 59 months: €2,684.50 rate · balance €19,484.50After 60 months: €2,730 rate · balance €19,530
Per year
AfterInterest up to thenBalance
1 year€546€17,346
2 years€1,092€17,892
3 years€1,638€18,438
4 years€2,184€18,984
5 years€2,730€19,530

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