HoistSpar
Hoist Finance AB (publ) · Sweden · supervised by Finansinspektionen
- Offers
- 5
- Instant access
- —
- highest effective
- Deposit
- 3.80%
- highest effective
- Deposit guarantee
- Until 1.150.000 SEK (≈ €104,000)
- Sweden scheme
Offers from HoistSpar
- Deposit 1 year1.00% · 1.00% effective€500interest per year
- Deposit 2 years2.00% · 2.00% effective€1,000per year, annualised
- Deposit 3 years3.36% · 3.36% effective · since 13 Oct 2026€1,680per year, annualised
- Deposit 4 years3.52% · 3.52% effective · since 27 Oct 2026€1,760per year, annualised
- Deposit 5 years3.80% · 3.80% effective · since 30 Oct 2026€1,900per year, annualised
Saving at HoistSpar
HoistSpar is a brand of Hoist Finance AB (publ), a bank from Sweden, supervised by Finansinspektionen. From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at HoistSpar in your name.
For €50,000 we list 5 deposits from HoistSpar, with terms from 1 year to 5 years. The best-paying deposit runs for 5 years at an effective 3.80% a year.
The lowest minimum deposit is €500.
Savings at HoistSpar fall under Insättningsgarantin (Riksgälden), the statutory deposit guarantee scheme of Sweden, up to €104,000 per person. We checked that with the supervisor or the scheme itself. Sweden does not withhold tax on the interest of a saver who lives in the Netherlands.
- What is the savings rate at HoistSpar?
- At HoistSpar the highest effective annual rate for €50,000 is currently 3.80% on a 5 years deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at HoistSpar?
- HoistSpar (Hoist Finance AB (publ)) takes part in Insättningsgarantin (Riksgälden). If the bank fails, that scheme repays your savings up to €104,000 per person, interest included.
- Do I pay withholding tax on interest from HoistSpar?
- Sweden does not withhold tax on the interest of a saver who lives in the Netherlands.
- How do I open an account at HoistSpar?
- From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at HoistSpar in your name.
Deposit guarantee and licence
- Institution
- Hoist Finance AB (publ)
- Status
- Verified European deposit guarantee scheme
- Scheme
- Insättningsgarantin (Riksgälden)
- Guarantee
- 1.150.000 SEK (≈ €104,000) per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Riksgälden
Recent changes
Rate historyRSS- 30 Oct 2026, 04:05 · Rate upHoistSpar – Termijndeposito (60 mo): 3.67% → 3.80%
- 27 Oct 2026, 01:13 · Rate upHoistSpar – Termijndeposito (48 mo): 3.42% → 3.52%
- 13 Oct 2026, 02:08 · Rate upHoistSpar – Termijndeposito (60 mo): 3.50% → 3.67%
- 13 Oct 2026, 02:08 · Rate upHoistSpar – Termijndeposito (48 mo): 3.22% → 3.42%
- 13 Oct 2026, 02:08 · Rate upHoistSpar – Termijndeposito (36 mo): 3.19% → 3.36%
- 29 Sep 2026, 02:42 · DeactivatedHoistSpar – Deposito 3 maanden 3m not found in 12 consecutive runs; deactivated
- 28 Sep 2026, 19:22 · Possibly goneHoistSpar – Deposito 3 maanden 3m missing from the source (3 runs)
- 25 Sep 2026, 02:09 · Rate upHoistSpar – Termijndeposito (60 mo): 3.41% → 3.50%
- 25 Sep 2026, 02:09 · Rate upHoistSpar – Termijndeposito (36 mo): 3.13% → 3.19%
- 17 Sep 2026, 11:48 · Rate upHoistSpar – Termijndeposito (60 mo): 3.40% → 3.41%
- 17 Sep 2026, 11:48 · Rate upHoistSpar – Termijndeposito (36 mo): 3.12% → 3.13%
- 17 Sep 2026, 11:48 · Rate upHoistSpar – Termijndeposito (48 mo): 3.17% → 3.22%
E-mail me when this changes
As soon as a rate or offer from HoistSpar changes, you get one e-mail. Every mail has a one-click unsubscribe link.