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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 Alisa Bank
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Alisa BankTermijndeposito

Deposit · 2 years · Alisa Pankki Oyj · Finland · via Raisin
Open an account at Alisa Bank
Rate
3.00%
2 years fixed
since 16 Sep 2026
Your return on €25,000
€750
per year, annualised · €1,523 total over 2 years
Deposit guarantee
€25,000 fully protected
Finnish scheme

Alisa Pankki Oyj · Talletussuoja (Rahoitusvakausvirasto) · €100,000 per person per bank

Your calculation for €25,000

Gross interest over 2 years: €1,523.
Interest built up over 2 years
€ 0€ 1kstart1 yr2 yrs€1,523After 1 month: €62.50 rate · balance €25,062.50After 2 months: €125 rate · balance €25,125After 3 months: €187.50 rate · balance €25,187.50After 4 months: €250 rate · balance €25,250After 5 months: €312.50 rate · balance €25,312.50After 6 months: €375 rate · balance €25,375After 7 months: €437.50 rate · balance €25,437.50After 8 months: €500 rate · balance €25,500After 9 months: €562.50 rate · balance €25,562.50

Rate and conditions

BalanceRate
€0 – and up3.00%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
16 Sep 2026
Access
2 years fixed · no early withdrawal
Term
2 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
  • Rente-op-rente. Rente wordt jaarlijks bijgeschreven op het termijndeposito

Deposit guarantee

€25,000 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-disclosure
detailsFinancial Stability Authority
source ↗ · 18 Sep 2026
Taxes
Country
Finland
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Finland heft geen bronbelasting op spaarrente van niet-ingezetenen.

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

Rate history

2.00%2.25%2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now3.00%2.40% from 2 Sep 2026 until 16 Sep 20263.00% from 16 Sep 2026 until now
2.00%2.25%2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now

Other offers from Alisa Bank

Instant access · 1.25% · Raisin3 months · 2.20% · Raisin6 months · 2.30% · Raisin9 months · 2.40% · Raisin1 year · 2.50% · Raisin18 months · 2.75% · Raisin3 years · 3.10% · Raisin4 years · 3.20% · Raisin5 years · 3.30% · Raisin
After 10 months: €625 rate · balance €25,625After 11 months: €687.50 rate · balance €25,687.50After 12 months: €750 rate · balance €25,750After 13 months: €814.38 rate · balance €25,814.38After 14 months: €878.75 rate · balance €25,878.75After 15 months: €943.13 rate · balance €25,943.13After 16 months: €1,007.50 rate · balance €26,007.50After 17 months: €1,071.88 rate · balance €26,071.88After 18 months: €1,136.25 rate · balance €26,136.25After 19 months: €1,200.63 rate · balance €26,200.63After 20 months: €1,265 rate · balance €26,265After 21 months: €1,329.38 rate · balance €26,329.38After 22 months: €1,393.75 rate · balance €26,393.75After 23 months: €1,458.13 rate · balance €26,458.13After 24 months: €1,522.50 rate · balance €26,522.50
€ 0€ 1kstart1 yr2 yrs€1,523After 1 month: €62.50 rate · balance €25,062.50After 2 months: €125 rate · balance €25,125After 3 months: €187.50 rate · balance €25,187.50After 4 months: €250 rate · balance €25,250After 5 months: €312.50 rate · balance €25,312.50After 6 months: €375 rate · balance €25,375After 7 months: €437.50 rate · balance €25,437.50After 8 months: €500 rate · balance €25,500After 9 months: €562.50 rate · balance €25,562.50After 10 months: €625 rate · balance €25,625After 11 months: €687.50 rate · balance €25,687.50After 12 months: €750 rate · balance €25,750After 13 months: €814.38 rate · balance €25,814.38After 14 months: €878.75 rate · balance €25,878.75After 15 months: €943.13 rate · balance €25,943.13After 16 months: €1,007.50 rate · balance €26,007.50After 17 months: €1,071.88 rate · balance €26,071.88After 18 months: €1,136.25 rate · balance €26,136.25After 19 months: €1,200.63 rate · balance €26,200.63After 20 months: €1,265 rate · balance €26,265After 21 months: €1,329.38 rate · balance €26,329.38After 22 months: €1,393.75 rate · balance €26,393.75After 23 months: €1,458.13 rate · balance €26,458.13After 24 months: €1,522.50 rate · balance €26,522.50
Per year
AfterInterest up to thenBalance
1 year€750€25,750
2 years€1,523€26,523

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

3.00%2.40% from 2 Sep 2026 until 16 Sep 20263.00% from 16 Sep 2026 until now
FromRateUntil
16 Sep 20263.00%current
2 Sep 20262.40%16 Sep 2026

All historic rates of Alisa Bank →All savings products of Alisa Bank →

  • 16 Sep 2026Alisa Bank – Termijndeposito (24 mo): 2.40% → 3.00%
  • 2 Sep 2026New: Alisa Bank – Termijndeposito (24 mo) 2.40%

Rate checked on 18 Sep 2026.