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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 · 3 years · Alisa Pankki Oyj · Finland · via Raisin
Open an account at Alisa Bank
Rate
3.10%
3 years fixed
since 16 Sep 2026
Your return on €100,000
€3,100
per year, annualised · €9,591 total over 3 years
Deposit guarantee
€100,000 fully protected
Finnish scheme

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

Your calculation for €100,000

Gross interest over 3 years: €9,591.
Interest built up over 3 years
€ 0€ 5kstart1 yr2 yrs3 yrs€9,591After 1 month: €258.33 rate · balance €100,258.33After 2 months: €516.67 rate · balance €100,516.67After 3 months: €775.00 rate · balance €100,775.00After 4 months: €1,033.33 rate · balance €101,033.33After 5 months: €1,291.67 rate · balance €101,291.67After 6 months: €1,550.00 rate · balance €101,550.00

Rate and conditions

BalanceRate
€0 – and up3.10%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
16 Sep 2026
Access
3 years fixed · no early withdrawal
Term
3 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

€100,000 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

2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.10%2.80% from 2 Sep 2026 until 16 Sep 20263.10% from 16 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.10%2.80% from 2 Sep 2026 until 16 Sep 2026

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% · Raisin2 years · 3.00% · Raisin4 years · 3.20% · Raisin5 years · 3.30% · Raisin
After 7 months: €1,808.33 rate · balance €101,808.33After 8 months: €2,066.67 rate · balance €102,066.67After 9 months: €2,325.00 rate · balance €102,325.00After 10 months: €2,583.33 rate · balance €102,583.33After 11 months: €2,841.67 rate · balance €102,841.67After 12 months: €3,100.00 rate · balance €103,100.00After 13 months: €3,366.34 rate · balance €103,366.34After 14 months: €3,632.68 rate · balance €103,632.68After 15 months: €3,899.02 rate · balance €103,899.02After 16 months: €4,165.37 rate · balance €104,165.37After 17 months: €4,431.71 rate · balance €104,431.71After 18 months: €4,698.05 rate · balance €104,698.05After 19 months: €4,964.39 rate · balance €104,964.39After 20 months: €5,230.73 rate · balance €105,230.73After 21 months: €5,497.07 rate · balance €105,497.07After 22 months: €5,763.42 rate · balance €105,763.42After 23 months: €6,029.76 rate · balance €106,029.76After 24 months: €6,296.10 rate · balance €106,296.10After 25 months: €6,570.70 rate · balance €106,570.70After 26 months: €6,845.30 rate · balance €106,845.30After 27 months: €7,119.89 rate · balance €107,119.89After 28 months: €7,394.49 rate · balance €107,394.49After 29 months: €7,669.09 rate · balance €107,669.09After 30 months: €7,943.69 rate · balance €107,943.69After 31 months: €8,218.29 rate · balance €108,218.29After 32 months: €8,492.89 rate · balance €108,492.89After 33 months: €8,767.48 rate · balance €108,767.48After 34 months: €9,042.08 rate · balance €109,042.08After 35 months: €9,316.68 rate · balance €109,316.68After 36 months: €9,591.28 rate · balance €109,591.28
€ 0€ 5kstart1 yr2 yrs3 yrs€9,591After 1 month: €258.33 rate · balance €100,258.33After 2 months: €516.67 rate · balance €100,516.67After 3 months: €775.00 rate · balance €100,775.00After 4 months: €1,033.33 rate · balance €101,033.33After 5 months: €1,291.67 rate · balance €101,291.67After 6 months: €1,550.00 rate · balance €101,550.00After 7 months: €1,808.33 rate · balance €101,808.33After 8 months: €2,066.67 rate · balance €102,066.67After 9 months: €2,325.00 rate · balance €102,325.00After 10 months: €2,583.33 rate · balance €102,583.33After 11 months: €2,841.67 rate · balance €102,841.67After 12 months: €3,100.00 rate · balance €103,100.00After 13 months: €3,366.34 rate · balance €103,366.34After 14 months: €3,632.68 rate · balance €103,632.68After 15 months: €3,899.02 rate · balance €103,899.02After 16 months: €4,165.37 rate · balance €104,165.37After 17 months: €4,431.71 rate · balance €104,431.71After 18 months: €4,698.05 rate · balance €104,698.05After 19 months: €4,964.39 rate · balance €104,964.39After 20 months: €5,230.73 rate · balance €105,230.73After 21 months: €5,497.07 rate · balance €105,497.07After 22 months: €5,763.42 rate · balance €105,763.42After 23 months: €6,029.76 rate · balance €106,029.76After 24 months: €6,296.10 rate · balance €106,296.10After 25 months: €6,570.70 rate · balance €106,570.70After 26 months: €6,845.30 rate · balance €106,845.30After 27 months: €7,119.89 rate · balance €107,119.89After 28 months: €7,394.49 rate · balance €107,394.49After 29 months: €7,669.09 rate · balance €107,669.09After 30 months: €7,943.69 rate · balance €107,943.69After 31 months: €8,218.29 rate · balance €108,218.29After 32 months: €8,492.89 rate · balance €108,492.89After 33 months: €8,767.48 rate · balance €108,767.48After 34 months: €9,042.08 rate · balance €109,042.08After 35 months: €9,316.68 rate · balance €109,316.68After 36 months: €9,591.28 rate · balance €109,591.28
Per year
AfterInterest up to thenBalance
1 year€3,100€103,100
2 years€6,296€106,296
3 years€9,591€109,591

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

3.10% from 16 Sep 2026 until now
FromRateUntil
16 Sep 20263.10%current
2 Sep 20262.80%16 Sep 2026

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

  • 16 Sep 2026Alisa Bank – Termijndeposito (36 mo): 2.80% → 3.10%
  • 2 Sep 2026New: Alisa Bank – Termijndeposito (36 mo) 2.80%

Rate checked on 18 Sep 2026.