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.

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

47 offers · 5 years deposits

1 does not fit your amount · showSort by

Deposit guarantee

Myntro
Termijndeposito· Deposit · 5 years· via Raisin
5 years
no early withdrawal
compounded yearly · min. €500 · max. €100,000
- 5 years fixed · no early withdrawal
Effective annual rate
3.85%▲

Show 17 offers more

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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 locking money for five years wise?

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.