ArgentaTermijndeposito
Deposit · 3 years · Argenta Spaarbank N.V. · Belgium · Directly at the bank
- Rate
- 3.20%
- 3 years fixed
- since 15 Oct 2026
- Your return on €10,000
- €320
- per year, annualised · €960 total over 3 years
- Deposit guarantee
- €10,000 fully protectedBelgian scheme
Argenta Spaarbank N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
Your calculation for €10,000
Gross interest over 3 years: €960.
Interest built up over 3 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €320 | €10,320 |
| 2 years | €640 | €10,640 |
| 3 years | €960 | €10,960 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.20% |
- Interest payout
- yearly, paid out
- Fees
- none
- Rate valid since
- 21 Aug 2026
- Access
- 3 years fixed · early withdrawal unknown
- Term
- 3 years
- Minimum deposit
- €250
- Maximum deposit
- not stated
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Rente jaarlijks uitgekeerd, bij 6 maanden aan het einde van de looptijd
- Minimale inleg € 250
Deposit guarantee
€10,000 fully protected
Belgian scheme
Argenta Spaarbank N.V. · Garantiefonds voor financiële diensten · €100,000 per person per bank
Licence and verification
- Institution
- Argenta Spaarbank N.V.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Garantiefonds voor financiële diensten (Belgium)
- Guarantee
- €100,000 per person per institution
- Verification
- Belgische kredietinstellingsource ↗ · 2 Sep 2026
details
NBB-vergunning): wettelijke deelname aan het Garantiefonds voor financiële diensten (€ 100.000); Argenta vermeldt dit in de productinformatie
Taxes
- Country
- Belgium
- Withholding tax
- Reducible to 0%
- Standard rate
- 30.00%
- For a Dutch saver
- 0.00% (after paperwork)
- Notes
- 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.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Withholding tax on foreign savings interest: what do you really keep?
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 15 Oct 2026 | 3.20% | current |
| 2 Sep 2026 | 3.05% | 15 Oct 2026 |
| 23 Apr 2026 | 2.60% | 2 Sep 2026web archive |
| 11 Sep 2025 | 2.20% | 23 Apr 2026web archive |
| 12 Feb 2025 | 2.55% | 11 Sep 2025web archive |
| 15 Nov 2024 | 2.65% | 12 Feb 2025web archive |
| 13 Aug 2024 | 2.70% | 15 Nov 2024web archive |
| 24 May 2024 | 2.80% | 13 Aug 2024web archive |
All historic rates of Argenta →All savings products of Argenta →
- 15 Oct 2026Argenta – Termijndeposito (36 mo): 3.05% → 3.20%
- 2 Sep 2026New: Argenta – Termijndeposito (36 mo) 3.05%
Rate checked on 2 Nov 2026.