A&G BancoTermijndeposito
Deposit · 6 months · A&G Banco S.A.U. · Spain · via Raisin
- Rate
- 1.50%
- 6 months fixed
- EffectiveThe effective annual rate for €50,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 1.51%
- for €50,000
- Your return on €50,000
- €753
- per year, annualised · €375 total over 6 months
- Deposit guarantee
- €50,000 fully protectedSpanish scheme
A&G Banco S.A.U. · Fondo de Garantía de Depósitos de Entidades de Crédito (FGD) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 6 months: €375.
Interest built up over 6 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.50% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 30 Apr 2025
- Access
- 6 months fixed · no early withdrawal
- Term
- 6 months
- Minimum deposit
- €20,000
- Maximum deposit
- €100,000
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Raisin (Raisin) · for residents of the Netherlands via Raisin
- Einde looptijd
- Ondertekend formulier vereist bij opening (bijv. woonplaatsverklaring)
Deposit guarantee
€50,000 fully protected
Spanish scheme
A&G Banco S.A.U. · Fondo de Garantía de Depósitos de Entidades de Crédito (FGD) · €100,000 per person per bank
Licence and verification
- Institution
- A&G Banco S.A.U.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Fondo de Garantía de Depósitos de Entidades de Crédito (FGD) (Spain)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Fondo de Garantía de Depósitos de Entidades de Crédito
Taxes
- Country
- Spain
- Withholding tax
- Reducible to 0%
- Standard rate
- 19.00%
- For a Dutch saver
- 0.00% (after paperwork)
- Notes
- 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.
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
1.50% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of A&G Banco →All savings products of A&G Banco →
- 2 Sep 2026New: A&G Banco – Termijndeposito (6 mo) 1.50%
Rate checked on 2 Nov 2026.