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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 · 1 year · BluOr Bank AS · Latvia · via Raisin
Open an account at BluOr Bank
Rate
3.45%
1 year fixed
since 14 Sep 2026
Your return on €100,000
€3,450
interest per year
Deposit guarantee
€100,000 fully protected
Latvian scheme

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

Your calculation for €100,000

Gross interest over 1 year: €3,450.
Interest built up over 1 year
€ 0€ 2kstart6 mo1 yr€3,450After 1 month: €287.50 rate · balance €100,287.50After 2 months: €575 rate · balance €100,575After 3 months: €862.50 rate · balance €100,862.50After 4 months: €1,150 rate · balance €101,150After 5 months: €1,437.50 rate · balance €101,437.50After 6 months: €1,725 rate · balance €101,725After 7 months: €2,012.50 rate · balance €102,012.50After 8 months: €2,300 rate · balance €102,300After 9 months: €2,587.50 rate · balance €102,587.50After 10 months: €2,875 rate · balance €102,875After 11 months: €3,162.50 rate · balance €103,162.50

Rate and conditions

BalanceRate
€0 – and up3.45%
Interest payout
end of term, paid out
Fees
none
Rate valid since
14 Sep 2026
Access
1 year fixed · no early withdrawal
Term
1 year
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

€100,000 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

3.00%3.25%3.50%3.75%2 Sep 202610 Sep 2026now3.45%3.35% from 2 Sep 2026 until 14 Sep 20263.45% from 14 Sep 2026 until now
3.00%3.25%3.50%3.75%2 Sep 202610 Sep 2026now3.45%3.35% from 2 Sep 2026 until 14 Sep 20263.45% from 14 Sep 2026 until now

Other offers from BluOr Bank

6 months · 2.85% · Raisin9 months · 3.03% · Raisin2 years · 3.35% · Raisin3 years · 2.00% · Raisin
After 12 months: €3,450 rate · balance €103,450
€ 0€ 2kstart3 mo6 mo9 mo1 yr€3,450After 1 month: €287.50 rate · balance €100,287.50After 2 months: €575 rate · balance €100,575After 3 months: €862.50 rate · balance €100,862.50After 4 months: €1,150 rate · balance €101,150After 5 months: €1,437.50 rate · balance €101,437.50After 6 months: €1,725 rate · balance €101,725After 7 months: €2,012.50 rate · balance €102,012.50After 8 months: €2,300 rate · balance €102,300After 9 months: €2,587.50 rate · balance €102,587.50After 10 months: €2,875 rate · balance €102,875After 11 months: €3,162.50 rate · balance €103,162.50After 12 months: €3,450 rate · balance €103,450

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

From
Rate
Until
14 Sep 20263.45%current
2 Sep 20263.35%14 Sep 2026

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

  • 14 Sep 2026BluOr Bank – Termijndeposito (12 mo): 3.35% → 3.45%
  • 2 Sep 2026New: BluOr Bank – Termijndeposito (12 mo) 3.35%

Rate checked on 18 Sep 2026.