MeDirectFixed Term Deposit
Deposit · 6 months · MeDirect Bank (Malta) plc · Malta · Directly at the bank
- Rate
- 1.90%
- 6 months fixed
- since 15 Sep 2026
- EffectiveThe effective annual rate for €10,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 1.91%
- for €10,000
- Your return on €10,000
- €191
- per year, annualised · €95 total over 6 months
- Deposit guarantee
- €10,000 fully protectedMaltese scheme
MeDirect Bank (Malta) plc · Depositor Compensation Scheme (Malta) · €100,000 per person per bank
Your calculation for €10,000
Gross interest over 6 months: €95.
Interest built up over 6 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.90% |
- Interest payout
- end of term, paid out
- Fees
- none
- Access
- 6 months fixed · no early withdrawal
- Term
- 6 months
- Minimum deposit
- €100
- 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 voor de hele looptijd, geen tussentijdse opname; rente-uitkering naar keuze per kwartaal, halfjaar of jaar (maandelijks vanaf € 20.000)
- Rente bruto op jaarbasis; Malta houdt geen bronbelasting in op rente aan niet-ingezetenen
- Te openen door inwoners van een EER-land (dus ook Nederland) op het Engelstalige platform van MeDirect Bank (Malta) plc; identificatie met paspoort of ID-kaart
Deposit guarantee
€10,000 fully protected
Maltese scheme
MeDirect Bank (Malta) plc · Depositor Compensation Scheme (Malta) · €100,000 per person per bank
Licence and verification
- Institution
- MeDirect Bank (Malta) plc
- Status
- Verified European deposit guarantee scheme
- Scheme
- Depositor Compensation Scheme (Malta) (Malta)
- Guarantee
- €100,000 per person per institution
- Verification
- Malta Depositor Compensation Scheme deelnemerslijstsource ↗ · 2 Sep 2026
details
gelezen 2026-09-02
Taxes
- Country
- Malta
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Malta 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 |
|---|---|---|
| 15 Sep 2026 | 1.90% | current |
| 20 Apr 2026 | 1.90% | 15 Sep 2026web archive |
| 1 Jan 2026 | 2.05% | 20 Apr 2026web archive |
| 6 Aug 2025 | 2.20% | 1 Jan 2026web archive |
All historic rates of MeDirect →All savings products of MeDirect →
- 15 Sep 2026New: MeDirect – Fixed Term Deposit (6 mo) 1.90%
Rate checked on 2 Nov 2026.