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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 BTG Pactual
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BTG PactualTermijndeposito

Deposit · 3 months · BTG Pactual Europe S.A. · Luxembourg · via Raisin
Open an account at BTG Pactual
Rate
1.60%
3 months fixed
since 14 Sep 2026
EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
1.61%
for €16,800
Your return on €16,800
€270
per year, annualised · €67 total over 3 months
Deposit guarantee
€16,800 fully protected
Luxembourgish scheme

BTG Pactual Europe S.A. · Fonds de garantie des dépôts Luxembourg (FGDL) · €100,000 per person per bank

Your calculation for €16,800

Gross interest over 3 months: €67.
Interest built up over 3 months
€ 0€ 25€ 50start€67After 1 month: €22.40 rate · balance €16,822.40After 2 months: €44.80 rate · balance €16,844.80After 3 months: €67.20 rate · balance €16,867.20
€ 0€ 25€ 50start3 mo€67

Rate and conditions

BalanceRate
€0 – and up1.60%
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

€16,800 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-disclosure
detailsFonds de garantie des dépôts Luxembourg
source ↗ · 18 Sep 2026
Taxes
Country
Luxembourg
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Luxemburg heft geen bronbelasting op spaarrente van niet-ingezetenen.

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

Rate history

1.25%1.50%1.75%2.00%2 Sep 202610 Sep 2026now1.60%1.50% from 2 Sep 2026 until 14 Sep 20261.60% from 14 Sep 2026 until now
1.25%1.50%1.75%2.00%2 Sep 202610 Sep 2026now1.60%1.50% from 2 Sep 2026 until 14 Sep 20261.60% from 14 Sep 2026 until now

Other offers from BTG Pactual

6 months · 1.60% · Raisin9 months · 1.60% · Raisin1 year · 1.86% · Raisin2 years · 2.82% · Raisin3 years · 3.18% · Raisin4 years · 3.21% · Raisin5 years · 3.31% · Raisin6 years · 3.31% · Raisin7 years · 3.46% · Raisin8 years · 3.46% · Raisin9 years · 3.51% · Raisin
After 1 month: €22.40 rate · balance €16,822.40After 2 months: €44.80 rate · balance €16,844.80After 3 months: €67.20 rate · balance €16,867.20

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe

From
Rate
Until
14 Sep 20261.60%current
2 Sep 20261.50%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 18 Sep 2026.

10 years · 3.66% · Raisin