Banco BAI EuropaTermijndeposito
Deposit · 3 months · Banco BAI Europa S.A. · Portugal · via Raisin
- Rate
- 2.40%
- 3 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.
- 2.42%
- for €50,000
- Your return on €50,000
- €1,211
- per year, annualised · €300 total over 3 months
- Deposit guarantee
- €50,000 fully protectedPortuguese scheme
Banco BAI Europa S.A. · Fundo de Garantia de Depósitos (FGD) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 3 months: €300.
Interest built up over 3 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.40% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 14 Aug 2026
- Access
- 3 months fixed · no early withdrawal
- Term
- 3 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
Portuguese scheme
Banco BAI Europa S.A. · Fundo de Garantia de Depósitos (FGD) · €100,000 per person per bank
Licence and verification
- Institution
- Banco BAI Europa S.A.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Fundo de Garantia de Depósitos (FGD) (Portugal)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Fundo de Garantia de Depósitos
Taxes
- Country
- Portugal
- Withholding tax
- Withholding tax applies
- Standard rate
- 28.00%
- For a Dutch saver
- 10.00% (after paperwork)
- Notes
- Portugal withholds by default 28% tax at source. For a Dutch saver 10% remains withheld; the Dutch tax office usually does not credit it in box 3. A reduction takes a form.
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
2.40% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of Banco BAI Europa →All savings products of Banco BAI Europa →
- 2 Sep 2026New: Banco BAI Europa – Termijndeposito (3 mo) 2.40%
Rate checked on 2 Nov 2026.