BFF BankTermijndeposito

Deposit · 5 years · BFF BANK S.p.A. Sucursal en España · Italy · via Raisin
Rate
1.65%
5 years 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
1.60%
for €50,000
Your return on €50,000
€799
per year, annualised · €4,125 total over 5 years
Deposit guarantee
€50,000 fully protected
Italian scheme

BFF BANK S.p.A. Sucursal en España · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank

Your calculation for €50,000

Gross interest over 5 years: €4,125.
Interest built up over 5 years
€ 0€ 2k€ 4kstart2 yrs4 yrs€4,125After 1 month: €68.75 rate · balance €50,068.75After 2 months: €137.50 rate · balance €50,137.50After 3 months: €206.25 rate · balance €50,206.25After 4 months: €275 rate · balance €50,275After 5 months: €343.75 rate · balance €50,343.75After 6 months: €412.50 rate · balance €50,412.50After 7 months: €481.25 rate · balance €50,481.25After 8 months: €550 rate · balance €50,550After 9 months: €618.75 rate · balance €50,618.75After 10 months: €687.50 rate · balance €50,687.50After 11 months: €756.25 rate · balance €50,756.25After 12 months: €825 rate · balance €50,825After 13 months: €893.75 rate · balance €50,893.75After 14 months: €962.50 rate · balance €50,962.50After 15 months: €1,031.25 rate · balance €51,031.25After 16 months: €1,100 rate · balance €51,100After 17 months: €1,168.75 rate · balance €51,168.75After 18 months: €1,237.50 rate · balance €51,237.50After 19 months: €1,306.25 rate · balance €51,306.25After 20 months: €1,375 rate · balance €51,375After 21 months: €1,443.75 rate · balance €51,443.75After 22 months: €1,512.50 rate · balance €51,512.50After 23 months: €1,581.25 rate · balance €51,581.25After 24 months: €1,650 rate · balance €51,650After 25 months: €1,718.75 rate · balance €51,718.75After 26 months: €1,787.50 rate · balance €51,787.50After 27 months: €1,856.25 rate · balance €51,856.25After 28 months: €1,925 rate · balance €51,925After 29 months: €1,993.75 rate · balance €51,993.75After 30 months: €2,062.50 rate · balance €52,062.50After 31 months: €2,131.25 rate · balance €52,131.25After 32 months: €2,200 rate · balance €52,200After 33 months: €2,268.75 rate · balance €52,268.75After 34 months: €2,337.50 rate · balance €52,337.50After 35 months: €2,406.25 rate · balance €52,406.25After 36 months: €2,475 rate · balance €52,475After 37 months: €2,543.75 rate · balance €52,543.75After 38 months: €2,612.50 rate · balance €52,612.50After 39 months: €2,681.25 rate · balance €52,681.25After 40 months: €2,750 rate · balance €52,750After 41 months: €2,818.75 rate · balance €52,818.75After 42 months: €2,887.50 rate · balance €52,887.50After 43 months: €2,956.25 rate · balance €52,956.25After 44 months: €3,025 rate · balance €53,025After 45 months: €3,093.75 rate · balance €53,093.75After 46 months: €3,162.50 rate · balance €53,162.50After 47 months: €3,231.25 rate · balance €53,231.25After 48 months: €3,300 rate · balance €53,300After 49 months: €3,368.75 rate · balance €53,368.75After 50 months: €3,437.50 rate · balance €53,437.50After 51 months: €3,506.25 rate · balance €53,506.25After 52 months: €3,575 rate · balance €53,575After 53 months: €3,643.75 rate · balance €53,643.75After 54 months: €3,712.50 rate · balance €53,712.50After 55 months: €3,781.25 rate · balance €53,781.25After 56 months: €3,850 rate · balance €53,850After 57 months: €3,918.75 rate · balance €53,918.75After 58 months: €3,987.50 rate · balance €53,987.50After 59 months: €4,056.25 rate · balance €54,056.25After 60 months: €4,125 rate · balance €54,125
Per year
AfterInterest up to thenBalance
1 year€825€50,825
2 years€1,650€51,650
3 years€2,475€52,475
4 years€3,300€53,300
5 years€4,125€54,125

Rate and conditions

BalanceRate
€0 – and up1.65%
Interest payout
end of term, paid out
Fees
none
Rate valid since
8 Jan 2026
Access
5 years fixed · no early withdrawal
Term
5 years
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
Italian scheme

BFF BANK S.p.A. Sucursal en España · Fondo Interbancario di Tutela dei Depositi (FITD) · €100,000 per person per bank

Licence and verification
Institution
BFF BANK S.p.A. Sucursal en España
Status
Verified European deposit guarantee scheme
Scheme
Fondo Interbancario di Tutela dei Depositi (FITD) (Italy)
Guarantee
€100,000 per person per institution
Verification
Raisin wettelijke DGS-disclosure
detailsFondo Interbancario di Tutela dei Depositi
source ↗ · 2 Nov 2026
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

1.65% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of BFF Bank →All savings products of BFF Bank →

  • 2 Sep 2026New: BFF Bank – Termijndeposito (60 mo) 1.65%

Rate checked on 2 Nov 2026.

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