3-month deposit

Deposits of exactly 3 months: a fixed rate for money you will need again soon. The return is converted to a year, so you can set it fairly against a savings account.

This week 70 rates up, 4 down all changes →

How much do you want to save?

3.03%
best instant access
3.40%
1-year deposit
3.91%
10 years deposit
2.00%
big banks

Highest effective annual rate for €50,000, after promotions and fees

37 offers · 3 months deposits

1 does not fit your amount · showSort by

Deposit guarantee

IBL Banca
Termijndeposito· Deposit · 3 months· via Raisin
3 months
no early withdrawal
paid out at maturity · min. €10,000 · max. €100,000
- 3 months fixed · no early withdrawal
Effective annual rate
2.74%▲

Show 7 offers more

E-mail me when this changes

As soon as the highest rate for deposits changes, you get one e-mail. Every mail has a one-click unsubscribe link.

News and background

All articles →

30 Oct 2026Saving for your child: in your child's name or in your own?
Do you save for your child in an account in their name or in yours? Who owns the money, what happens on their eighteenth birthday, how the deposit guarantee works and what to check when you compare.
23 Oct 2026Savings rate fixed or variable: what suits your money?
A variable savings rate can change any day, a fixed rate is set for the whole term. What makes savings rates move, why nobody can predict them and how you as a saver can deal with that uncertainty.
16 Oct 2026How much savings do you need as a buffer?
A buffer absorbs the broken washing machine and, if need be, a few months without income. How to use your fixed costs to decide how much to keep to hand, where to put it and what to do with everything above it.

Frequently asked questions

Is a three-month deposit worth it?

Only if the fixed rate is higher than what the best instant-access account pays over those three months. The difference is often small; in return, your rate cannot fall in the meantime.

How much interest do I get in three months?

A quarter of the annual rate. At 2.8% a year that is about 0.7% of your deposit. The amounts in the list are calculated for your amount.

What happens after three months?

Usually the money and the interest return to your linked account or savings account. Some banks renew automatically at the rate of that moment; check that when opening.