DHB BankS@veOnlinerekening
Instant access · DHB Bank N.V. · Netherlands · Directly at the bank
Promotional rateNew customers only
- Promotional rate
- 3.00%
- then 1.85%
- since 2 Sep 2026
- EffectiveThe effective annual rate for €25,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The promotional rate applies for 6 months on at most €50,000; after that 1.85%.
- 2.42%
- for €25,000
- Your return on €25,000
- €606
- interest per year
- Deposit guarantee
- €25,000 fully protectedDutch scheme
DHB Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 1 year: €606.
Existing customers do not get the promotional rate: 1.85% → €463 over 1 year.
In the calculation: 6 months promotional rate (€375), then the base rate.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.85% |
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 14 Jul 2026
Promotion conditions
- Promotional rate 3.00% for 6 months on at most €50,000
- New customers only
- S@veOnlinerekeningWelkomstactie alleen voor nieuwe klanten, 6 maanden lang geldig
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- unknown
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Welkomstactie geldt voor nieuwe klanten die de laatste 2 jaar geen klant zijn geweest van DHB Bank
- DHB Bank behoudt zich het recht voor om over saldi boven € 500.000 een afwijkende rente te vergoeden
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 depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
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
| From | Rate | Until |
|---|---|---|
| 2 Sep 2026 | 3.00% | current |
| 7 Mar 2026 | 2.55% | 2 Sep 2026web archive |
| 13 Sep 2025 | 2.00% | 7 Mar 2026web archive |
| 7 Aug 2025 | 1.90% | 13 Sep 2025web archive |
All historic rates of DHB Bank →All savings products of DHB Bank →
- 2 Sep 2026New: DHB Bank – S@veOnlinerekening 3.00%
Rate checked on 2 Nov 2026.
Other offers from DHB Bank
With notice period · 2.00% · DirectWith notice period · 2.10% · 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% · Direct4 years · 3.20% · Direct5 years · 3.25% · Direct5 years · 3.15% · Direct5 years · 3.15% · Direct