Banco BNI EuropaTermijndeposito
- Rate
- 1.92%
- 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.
- 1.85%
- for €50,000
- Your return on €50,000
- €925
- per year, annualised · €4,800 total over 5 years
- Deposit guarantee
- €50,000 fully protectedPortuguese scheme
BNI – Banco de Negócios Internacional Europa, S.A · Fundo de Garantia de Depósitos (FGD) · €100,000 per person per bank
Your calculation for €50,000
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €960 | €50,960 |
| 2 years | €1,920 | €51,920 |
| 3 years | €2,880 | €52,880 |
| 4 years | €3,840 | €53,840 |
| 5 years | €4,800 | €54,800 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.92% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 10 Jul 2025
- 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
BNI – Banco de Negócios Internacional Europa, S.A · Fundo de Garantia de Depósitos (FGD) · €100,000 per person per bank
Licence and verification
- Institution
- BNI – Banco de Negócios Internacional 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
1.92% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of Banco BNI Europa →All savings products of Banco BNI Europa →
- 2 Sep 2026New: Banco BNI Europa – Termijndeposito (60 mo) 1.92%
Rate checked on 2 Nov 2026.