BTG PactualTermijndeposito
Deposit · 3 months · BTG Pactual Europe S.A. · Luxembourg · via Raisin
- Rate
- 1.60%
- 3 months fixed
- since 14 Sep 2026
- 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.
- 1.61%
- for €50,000
- Your return on €50,000
- €805
- per year, annualised · €200 total over 3 months
- Deposit guarantee
- €50,000 fully protectedLuxembourgish scheme
BTG Pactual Europe S.A. · Fonds de garantie des dépôts Luxembourg (FGDL) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 3 months: €200.
Interest built up over 3 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.60% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 9 Sep 2026
- Access
- 3 months fixed · no early withdrawal
- Term
- 3 months
- Minimum deposit
- €5,000
- 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
- Raisin Bank houdt het deposito in trust aan bij de bank
Deposit guarantee
€50,000 fully protected
Luxembourgish scheme
BTG Pactual Europe S.A. · Fonds de garantie des dépôts Luxembourg (FGDL) · €100,000 per person per bank
Licence and verification
- Institution
- BTG Pactual Europe S.A.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Fonds de garantie des dépôts Luxembourg (FGDL) (Luxembourg)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Fonds de garantie des dépôts Luxembourg
Taxes
- Country
- Luxembourg
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Luxembourg withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
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
| From | Rate | Until |
|---|---|---|
| 14 Sep 2026 | 1.60% | current |
| 2 Sep 2026 | 1.50% | 14 Sep 2026 |
All historic rates of BTG Pactual →All savings products of BTG Pactual →
- 14 Sep 2026BTG Pactual – Termijndeposito (3 mo): 1.50% → 1.60%
- 2 Sep 2026New: BTG Pactual – Termijndeposito (3 mo) 1.50%
Rate checked on 2 Nov 2026.