Alisa BankTermijndeposito
Deposit · 18 months · Alisa Pankki Oyj · Finland · via Raisin
- Rate
- 2.85%
- 18 months fixed
- since 26 Oct 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.
- 2.86%
- for €50,000
- Your return on €50,000
- €1,428
- per year, annualised · €2,158 total over 18 months
- Deposit guarantee
- €50,000 fully protectedFinnish scheme
Alisa Pankki Oyj · Talletussuoja (Rahoitusvakausvirasto) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 18 months: €2,158.
Interest built up over 18 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.85% |
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 26 Oct 2026
- Access
- 18 months fixed · no early withdrawal
- Term
- 18 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
- Rente-op-rente. Rente wordt jaarlijks bijgeschreven op het termijndeposito
Deposit guarantee
€50,000 fully protected
Finnish scheme
Alisa Pankki Oyj · Talletussuoja (Rahoitusvakausvirasto) · €100,000 per person per bank
Licence and verification
- Institution
- Alisa Pankki Oyj
- Status
- Verified European deposit guarantee scheme
- Scheme
- Talletussuoja (Rahoitusvakausvirasto) (Finland)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Financial Stability Authority
Taxes
- Country
- Finland
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Finland 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 |
|---|---|---|
| 26 Oct 2026 | 2.85% | current |
| 16 Sep 2026 | 2.75% | 26 Oct 2026 |
| 2 Sep 2026 | 2.20% | 16 Sep 2026 |
All historic rates of Alisa Bank →All savings products of Alisa Bank →
- 26 Oct 2026Alisa Bank – Termijndeposito (18 mo): 2.75% → 2.85%
- 16 Sep 2026Alisa Bank – Termijndeposito (18 mo): 2.20% → 2.75%
- 2 Sep 2026New: Alisa Bank – Termijndeposito (18 mo) 2.20%
Rate checked on 2 Nov 2026.