Banco BNI Europa
- Offers
- 8
- Instant access
- —
- highest effective
- Deposit
- 1.90%
- highest effective
- Deposit guarantee
- Until €100,000
- Portugal scheme
Offers from Banco BNI Europa
- Deposit 3 months1.58% · 1.59% effective€795per year, annualised
- Deposit 6 months1.48% · 1.49% effective€743per year, annualised
- Deposit 9 months1.45% · 1.45% effective€726per year, annualised
- Deposit 1 year1.77% · 1.77% effective€885interest per year
- Deposit 2 years1.92% · 1.90% effective€951per year, annualised
- Deposit 3 years1.92% · 1.88% effective€942per year, annualised
- Deposit 4 years1.92% · 1.87% effective€934per year, annualised
- Deposit 5 years1.92% · 1.85% effective€925per year, annualised
Saving at Banco BNI Europa
Banco BNI Europa is a brand of BNI – Banco de Negócios Internacional Europa, S.A, 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 BNI Europa in your name.
For €50,000 we list 8 deposits from Banco BNI Europa, with terms from 3 months to 5 years. The best-paying deposit runs for 2 years at an effective 1.90% a year.
The lowest minimum deposit is €20,000.
Savings at Banco BNI 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 BNI Europa?
- At Banco BNI Europa the highest effective annual rate for €50,000 is currently 1.90% on a 2 years deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at Banco BNI Europa?
- Banco BNI Europa (BNI – Banco de Negócios Internacional 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 BNI 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 BNI Europa?
- From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at Banco BNI Europa in your name.
Deposit guarantee and licence
- Institution
- BNI – Banco de Negócios Internacional 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 BNI Europa .