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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Back to the comparison

Rate no longer confirmed. We have not been able to confirm this rate since 15 Sep 2026 so the offer is not in the comparison; below is the last known rate and the history. See the current offers

What pays the most now

  • Renault BankTermijndeposito · 3 years3.30%
  • AnadolubankTermijn Deposito · 3 years3.25%
  • BigbankTermijndeposito · 3 years3.20%

All current offers from Garanti BBVA International →

Garanti BBVA InternationalGouden Termijn Deposito

Deposit · 3 years · GarantiBank International N.V. · Netherlands · Directly at the bank
Rate
2.90%
3 years fixed
Your return on €16,800
€487
per year, annualised · €1,462 total over 3 years
Deposit guarantee
€16,800 fully protected
Dutch scheme

GarantiBank International N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €16,800

Gross interest over 3 years: €1,462.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,462After 1 month: €40.60 rate · balance €16,840.60After 2 months: €81.20 rate · balance €16,881.20After 3 months: €121.80 rate · balance €16,921.80After 4 months: €162.40 rate · balance €16,962.40

Rate and conditions

BalanceRate
€0 – and up2.90%
Interest payout
yearly, paid out
Fees
none
Rate valid since
13 May 2026
Access
3 years fixed · no early withdrawal
Term
3 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

€16,800 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 depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
source ↗ · 2 Sep 2026
Taxes
Country
Netherlands
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Nederland kent geen bronbelasting op spaarrente.

Rate history

2.90% since 15 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Garanti BBVA International →All savings products of Garanti BBVA International →

  • 15 Sep 2026New: Garanti BBVA International – Gouden Termijn Deposito (36 mo) 2.90%

Rate checked on 15 Sep 2026.

Other offers from Garanti BBVA International

Instant access · 3.00% · Direct3 months · 2.35% · Direct6 months · 2.55% · Direct9 months · 2.60% · Direct1 year · 2.85% · Direct2 years · 2.85% · Direct4 years · 2.90% · Direct5 years · 3.05% · Direct
After 5 months: €203 rate · balance €17,003After 6 months: €243.60 rate · balance €17,043.60After 7 months: €284.20 rate · balance €17,084.20After 8 months: €324.80 rate · balance €17,124.80After 9 months: €365.40 rate · balance €17,165.40After 10 months: €406.00 rate · balance €17,206After 11 months: €446.60 rate · balance €17,246.60After 12 months: €487.20 rate · balance €17,287.20After 13 months: €527.80 rate · balance €17,327.80After 14 months: €568.40 rate · balance €17,368.40After 15 months: €609.00 rate · balance €17,409After 16 months: €649.60 rate · balance €17,449.60After 17 months: €690.20 rate · balance €17,490.20After 18 months: €730.80 rate · balance €17,530.80After 19 months: €771.40 rate · balance €17,571.40After 20 months: €812.00 rate · balance €17,612After 21 months: €852.60 rate · balance €17,652.60After 22 months: €893.20 rate · balance €17,693.20After 23 months: €933.80 rate · balance €17,733.80After 24 months: €974.40 rate · balance €17,774.40After 25 months: €1,015.00 rate · balance €17,815After 26 months: €1,055.60 rate · balance €17,855.60After 27 months: €1,096.20 rate · balance €17,896.20After 28 months: €1,136.80 rate · balance €17,936.80After 29 months: €1,177.40 rate · balance €17,977.40After 30 months: €1,218 rate · balance €18,018After 31 months: €1,258.60 rate · balance €18,058.60After 32 months: €1,299.20 rate · balance €18,099.20After 33 months: €1,339.80 rate · balance €18,139.80After 34 months: €1,380.40 rate · balance €18,180.40After 35 months: €1,421.00 rate · balance €18,221After 36 months: €1,461.60 rate · balance €18,261.60
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,462After 1 month: €40.60 rate · balance €16,840.60After 2 months: €81.20 rate · balance €16,881.20After 3 months: €121.80 rate · balance €16,921.80After 4 months: €162.40 rate · balance €16,962.40After 5 months: €203 rate · balance €17,003After 6 months: €243.60 rate · balance €17,043.60After 7 months: €284.20 rate · balance €17,084.20After 8 months: €324.80 rate · balance €17,124.80After 9 months: €365.40 rate · balance €17,165.40After 10 months: €406.00 rate · balance €17,206After 11 months: €446.60 rate · balance €17,246.60After 12 months: €487.20 rate · balance €17,287.20After 13 months: €527.80 rate · balance €17,327.80After 14 months: €568.40 rate · balance €17,368.40After 15 months: €609.00 rate · balance €17,409After 16 months: €649.60 rate · balance €17,449.60After 17 months: €690.20 rate · balance €17,490.20After 18 months: €730.80 rate · balance €17,530.80After 19 months: €771.40 rate · balance €17,571.40After 20 months: €812.00 rate · balance €17,612After 21 months: €852.60 rate · balance €17,652.60After 22 months: €893.20 rate · balance €17,693.20After 23 months: €933.80 rate · balance €17,733.80After 24 months: €974.40 rate · balance €17,774.40After 25 months: €1,015.00 rate · balance €17,815After 26 months: €1,055.60 rate · balance €17,855.60After 27 months: €1,096.20 rate · balance €17,896.20After 28 months: €1,136.80 rate · balance €17,936.80After 29 months: €1,177.40 rate · balance €17,977.40After 30 months: €1,218 rate · balance €18,018After 31 months: €1,258.60 rate · balance €18,058.60After 32 months: €1,299.20 rate · balance €18,099.20After 33 months: €1,339.80 rate · balance €18,139.80After 34 months: €1,380.40 rate · balance €18,180.40After 35 months: €1,421.00 rate · balance €18,221After 36 months: €1,461.60 rate · balance €18,261.60
Per year
AfterInterest up to thenBalance
1 year€487€17,287
2 years€974€17,774
3 years€1,462€18,262

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