Banco BAI Europa
- Offers
- 6
- Instant access
- —
- highest effective
- Deposit
- 2.42%
- highest effective
- Deposit guarantee
- Until €100,000
- Portugal scheme
Offers from Banco BAI Europa
- Deposit 3 months2.40% · 2.42% effective€1,211per year, annualised
- Deposit 6 months2.00% · 2.01% effective€1,005per year, annualised
- Deposit 1 year2.00% · 2.00% effective€1,000interest per year
- Deposit 2 years0.50% · 0.50% effective€249per year, annualised
- Deposit 3 years0.50% · 0.50% effective€249per year, annualised
- Deposit 5 years0.50% · 0.50% effective€248per year, annualised
Saving at Banco BAI Europa
Banco BAI Europa is a bank from Portugal. From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at Banco BAI Europa in your name.
For €50,000 we list 6 deposits from Banco BAI Europa, with terms from 3 months to 5 years. The best-paying deposit runs for 3 months at an effective 2.42% a year.
The lowest minimum deposit is €20,000.
Savings at Banco BAI Europa fall under Fundo de Garantia de Depósitos (FGD), the statutory deposit guarantee scheme of Portugal, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Portugal withholds 28.00% tax on interest; with a certificate of tax residence that becomes 10.00% for a resident of the Netherlands.
- What is the savings rate at Banco BAI Europa?
- At Banco BAI Europa the highest effective annual rate for €50,000 is currently 2.42% on a 3 months deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at Banco BAI Europa?
- Banco BAI Europa (Banco BAI Europa S.A.) takes part in Fundo de Garantia de Depósitos (FGD). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
- Do I pay withholding tax on interest from Banco BAI Europa?
- Portugal withholds 28.00% tax on interest; with a certificate of tax residence that becomes 10.00% for a resident of the Netherlands.
- How do I open an account at Banco BAI Europa?
- From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at Banco BAI Europa in your name.
Deposit guarantee and licence
- Institution
- Banco BAI Europa S.A.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Fundo de Garantia de Depósitos (FGD)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Fundo de Garantia de Depósitos
Recent changes
Rate historyRSSNo changes seen since we started following Banco BAI Europa .