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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.

Open an account at BluOr Bank
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BluOr BankTermijndeposito

Deposit · 6 months · BluOr Bank AS · Latvia · via Raisin
Open an account at BluOr Bank
Rate
2.85%
6 months fixed
EffectiveThe effective annual rate for €25,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
2.87%
for €25,000
Your return on €25,000
€718
per year, annualised · €356 total over 6 months
Deposit guarantee
€25,000 fully protected
Latvian scheme

BluOr Bank AS · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank

Your calculation for €25,000

Gross interest over 6 months: €356.
Interest built up over 6 months
€ 0€ 200start6 mo€356After 1 month: €59.38 rate · balance €25,059.38After 2 months: €118.75 rate · balance €25,118.75After 3 months: €178.13 rate · balance €25,178.13After 4 months: €237.50 rate · balance €25,237.50After 5 months: €296.88 rate · balance €25,296.88After 6 months: €356.25 rate · balance €25,356.25
€ 0€ 200start3 mo6 mo

Rate and conditions

BalanceRate
€0 – and up2.85%
Interest payout
end of term, paid out
Fees
none
Rate valid since
2 Sep 2026
Access
6 months fixed · no early withdrawal
Term
6 months
Minimum deposit
€10,000
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

Deposit guarantee

€25,000 fully protected
Latvian scheme

BluOr Bank AS · Noguldījumu garantiju fonds (Latvijas Banka) · €100,000 per person per bank

Licence and verification
Institution
BluOr Bank AS
Status
Verified European deposit guarantee scheme
Scheme
Noguldījumu garantiju fonds (Latvijas Banka) (Latvia)
Guarantee
€100,000 per person per institution
Verification
Raisin wettelijke DGS-disclosure
detailsLatvijas Banka
source ↗ · 18 Sep 2026
Taxes
Country
Latvia
Withholding tax
Withholding tax applies
Standard rate
25.50%
For a Dutch saver
10.00% (after paperwork)
Notes
Letland heft 25,5%; met een Letse woonplaatsverklaring (uiterlijk 8 weken voor de vervaldatum) verlaagd naar 10%.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Rate history

2.85% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

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

  • 2 Sep 2026New: BluOr Bank – Termijndeposito (6 mo) 2.85%

Rate checked on 18 Sep 2026.

Other offers from BluOr Bank

9 months · 3.03% · Raisin1 year · 3.45% · Raisin2 years · 3.35% · Raisin3 years · 2.00% · Raisin
€356After 1 month: €59.38 rate · balance €25,059.38After 2 months: €118.75 rate · balance €25,118.75After 3 months: €178.13 rate · balance €25,178.13After 4 months: €237.50 rate · balance €25,237.50After 5 months: €296.88 rate · balance €25,296.88After 6 months: €356.25 rate · balance €25,356.25

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