Three years often gives most of the extra interest of a long term, while your money is released two years earlier. The rate per term above the list shows how large the difference is now.
How is the interest paid over three years?
That differs: yearly to your linked account, credited yearly, or all at once at the end. Credited interest earns compound interest. The effective annual rate makes those forms comparable.
Does three years fit in a deposit ladder?
Yes. With deposits of 1, 2 and 3 years a part is released every year. The deposit ladder works that out for your amount.
3-year deposit
Deposits of exactly 36 months: the middle between short and long, for money you can do without for a few years.
Highest effective annual rate for €50,000, after promotions and fees
55 offers
Term · highest rate
Term · highest rate
55 offers · 3 years deposits
55 offers
Bank and product
Effective annual rateThe effective annual rate for your amount: what you really earn per year, after fees and with compound interest. Below it the rate the bank advertises; with a promotion that only applies temporarily.
Your returnWhat €50,000 earns per year with this offer, after fees and with compound interest. This is the default sort.
3 years fixed · no early withdrawalno withholding taxFrance withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.30%▲▲ 0.10%: raised on 17 Sep 2026 from 3.20% to 3.30%.▲ 0.10Rate over the last 90 days. Raised on 17 Sep 2026 from 3.20% to 3.30%.
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · max. €500,000
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.25%▲▲ 0.25%: raised on 17 Sep 2026 from 3.00% to 3.25%.
3 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.15%: raised on 14 Sep 2026 from 3.05% to 3.20%.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €1,000 · max. €85,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.19%▲▲ 0.06%: raised on 17 Sep 2026 from 3.13% to 3.19%.
3 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.19%▲▲ 0.13%: raised on 14 Sep 2026 from 3.06% to 3.19%.
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.15%▲▲ 0.35%: raised on 15 Sep 2026 from 2.80% to 3.15%.
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 3 years
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,000
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €90,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.13%▲▲ 0.01%: raised on 17 Sep 2026 from 3.12% to 3.13%.
3 years fixed · no early withdrawalwithholding tax 10%Lithuania withholds by default 15% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form. Litouwen heft 15%; met een Litouwse woonplaatsverklaring (uiterlijk 4 weken voor de vervaldatum) verlaagd naar 10%.paid out at maturity · min. €10,000 · max. €95,000
3 years fixed · no early withdrawalwithholding tax reclaimable to 0%Spain withholds by default 19% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. Spanje heft standaard 19%; met een ondertekende 'Declaración de Residencia Fiscal' (bij Raisin digitaal bij opening) ben je automatisch vrijgesteld.paid out at maturity · min. €10,000 · max. €100,000
3 years fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.10%▲▲ 0.30%: raised on 16 Sep 2026 from 2.80% to 3.10%.
3 years fixed · no early withdrawalno withholding taxLuxembourg withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.08%▲▲ 0.10%: raised on 14 Sep 2026 from 3.08% to 3.18%.
3 years fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly
3 years fixed · no early withdrawalno withholding taxEstonia withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.06%▲▲ 0.12%: raised on 14 Sep 2026 from 3.03% to 3.15%.
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €2,000
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.06%No change seen in the last 90 days.
3.15% rate3.06% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · early withdrawal unknownwithholding tax reclaimable to 0%Belgium withholds by default 30% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. België heft standaard 30% roerende voorheffing; met het (digitale) attest roerende voorheffing niet-inwoners ben je vrijgesteld.paid out yearly · min. €250
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000 · current account required
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.05%▲▲ 0.35%: raised on 15 Sep 2026 from 2.70% to 3.05%.
3 years fixed · early withdrawal unknownno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €500,000
3 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.05%▲▲ 0.35%: raised on 15 Sep 2026 from 2.70% to 3.05%.
3 years fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
3 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.01%No change seen in the last 90 days.
3.10% rate3.01% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.00%▼▼ 0.08%: lowered on 15 Sep 2026 from 3.08% to 3.00%.
3 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000 · max. €2,000,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.30%: raised on 14 Sep 2026 from 2.65% to 2.95%.
3 years fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500 · max. €100,000
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.95%▲▲ 0.10%: raised on 15 Sep 2026 from 2.85% to 2.95%.
3 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €1,000
3 years fixed · early withdrawal unknownwithholding tax reclaimable to 0%Spain withholds by default 19% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed. Spanje heft standaard 19%; met een ondertekende 'Declaración de Residencia Fiscal' (bij Raisin digitaal bij opening) ben je automatisch vrijgesteld.paid out yearly · min. €1,000
3 years fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.80%▲▲ 0.20%: raised on 15 Sep 2026 from 2.60% to 2.80%.
3 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.compounded yearly · min. €500
3 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.75%▲▲ 0.20%: raised on 15 Sep 2026 from 2.55% to 2.75%.
3 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €2,500 · max. €1,000,000
3 years fixed · no early withdrawalno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €5,000 · max. €100,000
3 years fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €250
3 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.71%▲▲ 0.20%: raised on 14 Sep 2026 from 2.51% to 2.71%.
A few European countries withhold tax on the interest you receive there. Per country: what is withheld, which form lowers it, and when the higher rate is still worth it.
Banks attract new customers with a high rate that drops back after a few months. A worked example shows when such a promotion really earns you more, and when a lower steady rate wins.
The highest savings rates often come from banks in Sweden, Estonia or Malta. What the European deposit guarantee covers, who pays out if things go wrong, and what you need to watch yourself.
▲ 0.25
Rate over the last 90 days. Raised on 17 Sep 2026 from 3.00% to 3.25%.
3.10% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.20% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
3.10% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.20% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.08% to 3.18%.
3.18% rate3.08% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.18% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.03% to 3.15%.
3.15% rate3.06% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.15% is the rate the bank advertises. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower. More explanation
