Only for money you will not need during that whole period, and if the difference with shorter terms is worth it. Five years is long: if rates rise, you stay stuck with the old one.
Does accrued interest count towards the deposit guarantee?
Yes. For large amounts, allow for the interest that accrues over five years so that your balance stays under €100,000 per bank.
Can I spread a long term?
Yes: divide your money over 1, 2, 3, 4 and 5 years, for example. Then a part is released every year that you can lock again or use.
5-year deposit
Deposits of exactly 60 months: the longest certainty about your rate, for money you can really do without for a long time.
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.
5 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. €1,000 · max. €100,000
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.50%▲▲ 0.18%: raised on 15 Sep 2026 from 3.32% to 3.50%.▲ 0.18Rate over the last 90 days. Raised on 15 Sep 2026 from 3.32% to 3.50%.
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.45%▲▲ 0.15%: raised on 17 Sep 2026 from 3.30% to 3.45%.
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.44%▲▲ 0.03%: raised on 17 Sep 2026 from 3.41% to 3.44%.
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.43%▲▲ 0.03%: raised on 14 Sep 2026 from 3.40% to 3.43%.
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.41%▲▲ 0.01%: raised on 17 Sep 2026 from 3.40% to 3.41%.
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.41%▲▲ 0.30%: raised on 14 Sep 2026 from 3.11% to 3.41%.
5 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
5 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.40%▲▲ 0.30%: raised on 17 Sep 2026 from 3.10% to 3.40%.
5 years fixed · no early withdrawalwithholding 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.compounded yearly · min. €5,000 · max. €100,000
Euro-Plus Deposito (jaarlijkse rente-uitkering)· Deposit · 5 years
5 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
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.30%▲▲ 0.30%: raised on 16 Sep 2026 from 3.00% to 3.30%.
5 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
5 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.25%▲▲ 0.35%: raised on 15 Sep 2026 from 2.90% to 3.25%.
5 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
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.20%▲▲ 0.10%: raised on 14 Sep 2026 from 3.10% to 3.20%.
5 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
5 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
5 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%.
5 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
5 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%.
5 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
5 years fixed · early withdrawal unknown
no withholding tax
Effective annual rate
3.15%No change seen in the last 90 days.
3.35% rate3.15% 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.
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
3.11%▲▲ 0.10%: raised on 14 Sep 2026 from 3.21% to 3.31%.
5 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
5 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
5 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
5 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
5 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
5 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
5 years fixed · no early withdrawal
no withholding tax
Effective annual rate
2.92%▲▲ 0.25%: raised on 14 Sep 2026 from 2.85% to 3.10%.
5 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
5 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.85%▲▲ 0.20%: raised on 15 Sep 2026 from 2.65% to 2.85%.
5 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
5 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 monthly · min. €500
5 years fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.78%▲▲ 0.15%: raised on 14 Sep 2026 from 2.60% to 2.75%.
5 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
5 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
5 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%.
5 years fixed · early withdrawal with loss of interestno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out yearly · min. €500 · max. €250,000 · current account required
5 years fixed · early withdrawal with loss of interest
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.
▲ 0.15
Rate over the last 90 days. Raised on 17 Sep 2026 from 3.30% to 3.45%.
Rate over the last 90 days. Raised on 14 Sep 2026 from 3.21% to 3.31%.
3.31% rate3.11% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.31% 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. 3.30% 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 2.85% to 3.10%.
3.10% rate2.92% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 3.10% 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 2.60% to 2.75%.
2.75% rate2.78% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.75% is the rate the bank advertises. Interest is compounded more often than yearly, so it earns interest on interest. More explanation
