BTG PactualTermijndeposito
Deposit · 4 years · BTG Pactual Europe S.A. · Luxembourg · via Raisin
- Rate
- 3.21%
- 4 years 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
- 3.07%
- for €50,000
- Your return on €50,000
- €1,533
- per year, annualised · €6,420 total over 4 years
- 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 4 years: €6,420.
Interest built up over 4 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €1,605 | €51,605 |
| 2 years | €3,210 | €53,210 |
| 3 years | €4,815 | €54,815 |
| 4 years | €6,420 | €56,420 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.21% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 9 Sep 2026
- Access
- 4 years fixed · no early withdrawal
- Term
- 4 years
- 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 | 3.21% | current |
| 2 Sep 2026 | 3.11% | 14 Sep 2026 |
All historic rates of BTG Pactual →All savings products of BTG Pactual →
- 14 Sep 2026BTG Pactual – Termijndeposito (48 mo): 3.11% → 3.21%
- 2 Sep 2026New: BTG Pactual – Termijndeposito (48 mo) 3.11%
Rate checked on 2 Nov 2026.