Garanti BBVA InternationalGouden Termijn Deposito
Deposit · 2 years · GarantiBank International N.V. · Netherlands · Directly at the bank
- Rate
- 3.20%
- 2 years fixed
- since 23 Sep 2026
- Your return on €25,000
- €800
- per year, annualised · €1,600 total over 2 years
- Deposit guarantee
- €25,000 fully protectedDutch scheme
GarantiBank International N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 2 years: €1,600.
Interest built up over 2 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €800 | €25,800 |
| 2 years | €1,600 | €26,600 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.20% |
- Interest payout
- yearly, paid out
- Fees
- none
- Rate valid since
- 23 Sep 2026
- Access
- 2 years fixed · no early withdrawal
- Term
- 2 years
- Minimum deposit
- €1,000
- Maximum deposit
- not stated
- Current account required
- unknown
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Vaste rente, rente effectief op jaarbasis; geen automatische verlenging na afloop
- Aanvragen via het depositoformulier; een Gouden Internet Rekening dient als tegenrekening
Deposit guarantee
€25,000 fully protected
Dutch scheme
GarantiBank International N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Licence and verification
- Institution
- GarantiBank International N.V.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Nederlandse Depositogarantie (DGS) (Netherlands)
- Guarantee
- €100,000 per person per institution
- Verification
- DNB-register Nederlandse depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Taxes
- Country
- Netherlands
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
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 |
|---|---|---|
| 23 Sep 2026 | 3.20% | current |
| 15 Sep 2026 | 2.85% | 23 Sep 2026 |
| 13 Jan 2026 | 2.50% | 15 Sep 2026web archive |
| 11 Jun 2025 | 2.15% | 13 Jan 2026web archive |
| 9 Feb 2025 | 2.40% | 11 Jun 2025web archive |
| 9 Feb 2025 | 2.65% | 9 Feb 2025web archive |
| 9 Feb 2025 | 2.75% | 9 Feb 2025web archive |
| 9 Feb 2025 | 2.60% | 9 Feb 2025web archive |
| 9 Feb 2025 | 3.25% | 9 Feb 2025web archive |
All historic rates of Garanti BBVA International →All savings products of Garanti BBVA International →
- 23 Sep 2026Garanti BBVA International – Gouden Termijn Deposito (24 mo): 2.85% → 3.20%
- 15 Sep 2026New: Garanti BBVA International – Gouden Termijn Deposito (24 mo) 2.85%
Rate checked on 2 Nov 2026.