For money with a purpose in the short term: a tax bill, a renovation or a purchase in half a year. You know in advance exactly what you will receive.
Is six months fixed better than a promotional rate?
That depends on the rate after the promotion. A promotional rate often lasts three to six months and then drops; with a deposit the rate is fixed for the whole term. The effective annual rate in the comparison works both through.
Can I reach my money earlier?
With most deposits you cannot, or only for a fee. Each deposit states whether early withdrawal is possible.
6-month deposit
Deposits of exactly 6 months: half a year of certainty about your rate, without locking your money away for long.
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.
6 months fixed · early withdrawal unknownno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity
6 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.91%No change seen in the last 90 days.
2.89% rate2.91% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.89% is the rate the bank advertises. More explanation
6 months fixed · no early withdrawalwithholding tax reclaimable to 0%Romania withholds by default 10% 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. Roemenië heft 10%; met een woonplaatsverklaring (uiterlijk 4 weken voor de vervaldatum) vrijgesteld (0%).paid out at maturity · min. €20,000 · max. €100,000
6 months fixed · no early withdrawal
withholding tax reclaimable to 0%
Effective annual rate
2.89%▲▲ 0.01%: raised on 15 Sep 2026 from 2.86% to 2.87%.
6 months 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
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.88%▲▲ 0.14%: raised on 14 Sep 2026 from 2.72% to 2.86%.
6 months fixed · no early withdrawalwithholding tax 10%Latvia withholds by default 25.5% 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. Letland heft 25,5%; met een Letse woonplaatsverklaring (uiterlijk 8 weken voor de vervaldatum) verlaagd naar 10%.paid out at maturity · min. €10,000 · max. €100,000
6 months 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
6 months 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. €25,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.87%▲▲ 0.70%: raised on 16 Sep 2026 from 2.15% to 2.85%.
6 months 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. €20,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.82%▲▲ 0.20%: raised on 14 Sep 2026 from 2.60% to 2.80%.
6 months 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
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.82%▲▲ 0.35%: raised on 14 Sep 2026 from 2.45% to 2.80%.
6 months fixed · no early withdrawalno withholding taxMalta withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.79%▲▲ 0.09%: raised on 15 Sep 2026 from 2.68% to 2.77%.
6 months 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. €10,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.78%▲▲ 0.10%: raised on 14 Sep 2026 from 2.66% to 2.76%.
6 months 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. €1,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.77%▲▲ 0.25%: raised on 14 Sep 2026 from 2.50% to 2.75%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €85,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.77%▲▲ 0.05%: raised on 14 Sep 2026 from 2.70% to 2.75%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.77%▲▲ 0.30%: raised on 14 Sep 2026 from 2.45% to 2.75%.
6 months 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. €50,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.72%▲▲ 0.18%: raised on 16 Sep 2026 from 2.52% to 2.70%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.72%No change seen in the last 90 days.
2.70% rate2.72% 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.
6 months fixed · no early withdrawalno withholding taxGermany withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.70%No change seen in the last 90 days.
2.68% rate2.70% 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.
6 months 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. €30,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.62%▲▲ 0.10%: raised on 14 Sep 2026 from 2.50% to 2.60%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.62%▲▲ 0.10%: raised on 15 Sep 2026 from 2.50% to 2.60%.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.62%▲▲ 0.20%: raised on 14 Sep 2026 from 2.40% to 2.60%.
6 months 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 at maturity · min. €1,000
6 months fixed · early withdrawal unknown
withholding tax reclaimable to 0%
Effective annual rate
2.62%▲▲ 0.15%: raised on 15 Sep 2026 from 2.45% to 2.60%.
6 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €1,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.57%No change seen in the last 90 days.
2.55% rate2.57% 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.
6 months 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. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.53%No change seen in the last 90 days.
2.51% rate2.53% 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.
6 months 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 at maturity · min. €250
6 months 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
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.31%No change seen in the last 90 days.
2.30% rate2.31% 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.
6 months fixed · no early withdrawalno withholding taxFinland withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €5,000 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.31%▲▲ 0.50%: raised on 16 Sep 2026 from 1.80% to 2.30%.
6 months fixed · early withdrawal with loss of interestno withholding taxItaly withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €20,000 · max. €100,000
6 months fixed · early withdrawal with loss of interest
no withholding tax
Effective annual rate
2.28%▲▲ 0.25%: raised on 17 Sep 2026 from 2.02% to 2.27%.
6 months fixed · no early withdrawalno withholding taxNetherlands withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €250
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.27%▲▲ 0.16%: raised on 14 Sep 2026 from 2.10% to 2.26%.
6 months 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. €20,000 · max. €100,000
6 months 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. €500 · max. €500,000
6 months fixed · early withdrawal unknown
no withholding tax
Effective annual rate
2.21%No change seen in the last 90 days.
2.20% rate2.21% 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.
6 months fixed · no early withdrawalno withholding taxSweden withholds no tax on savings interest of non-residents: you receive the full interest.paid out at maturity · min. €500 · max. €100,000
6 months fixed · no early withdrawal
no withholding tax
Effective annual rate
2.16%No change seen in the last 90 days.
2.15% rate2.16% 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.
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.
▲ 0.01
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.86% to 2.87%.
2.87% rate2.89% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.87% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.72% to 2.86%.
2.86% rate2.88% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.86% is the rate the bank advertises. More explanation
2.87% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.85% is the rate the bank advertises. More explanation
2.87% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.85% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.15% to 2.85%.
2.85% rate2.87% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.85% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.60% to 2.80%.
2.80% rate2.82% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.80% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.45% to 2.80%.
2.80% rate2.82% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.80% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.68% to 2.77%.
2.77% rate2.79% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.77% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.66% to 2.76%.
2.76% rate2.78% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.76% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.50% to 2.75%.
2.75% rate2.77% 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.70% to 2.75%.
2.75% rate2.77% 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. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.45% to 2.75%.
2.75% rate2.77% 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. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 2.52% to 2.70%.
2.70% rate2.72% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.70% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.50% to 2.60%.
2.60% rate2.62% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.60% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 15 Sep 2026 from 2.50% to 2.60%.
2.60% rate2.62% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.60% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.40% to 2.60%.
2.60% rate2.62% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.60% is the rate the bank advertises. More explanation
▲ 0.15Rate over the last 90 days. Raised on 15 Sep 2026 from 2.45% to 2.60%.
2.60% rate2.62% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.60% is the rate the bank advertises. More explanation
2.41% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.40% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 16 Sep 2026 from 1.80% to 2.30%.
2.30% rate2.31% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.30% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 17 Sep 2026 from 2.02% to 2.27%.
2.27% rate2.28% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.27% is the rate the bank advertises. More explanation
Rate over the last 90 days. Raised on 14 Sep 2026 from 2.10% to 2.26%.
2.26% rate2.27% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.26% is the rate the bank advertises. More explanation
2.26% is the effective annual rate for €50,000: what you really earn per year, after fees and including compound interest. 2.25% is the rate the bank advertises. More explanation
