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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 €16,600
€515
per year, annualised · €1,592 total over 3 years
Deposit guarantee
€16,600 fully protected
Finnish scheme

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

Your calculation for €16,600

Gross interest over 3 years: €1,592.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,592After 1 month: €42.88 rate · balance €16,642.88After 2 months: €85.77 rate · balance €16,685.77After 3 months: €128.65 rate · balance €16,728.65After 4 months: €171.53 rate · balance €16,771.53After 5 months: €214.42 rate · balance €16,814.42After 6 months: €257.30 rate · balance €16,857.30

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

€16,600 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: €300.18 rate · balance €16,900.18After 8 months: €343.07 rate · balance €16,943.07After 9 months: €385.95 rate · balance €16,985.95After 10 months: €428.83 rate · balance €17,028.83After 11 months: €471.72 rate · balance €17,071.72After 12 months: €514.60 rate · balance €17,114.60After 13 months: €558.81 rate · balance €17,158.81After 14 months: €603.03 rate · balance €17,203.03After 15 months: €647.24 rate · balance €17,247.24After 16 months: €691.45 rate · balance €17,291.45After 17 months: €735.66 rate · balance €17,335.66After 18 months: €779.88 rate · balance €17,379.88After 19 months: €824.09 rate · balance €17,424.09After 20 months: €868.30 rate · balance €17,468.30After 21 months: €912.51 rate · balance €17,512.51After 22 months: €956.73 rate · balance €17,556.73After 23 months: €1,000.94 rate · balance €17,600.94After 24 months: €1,045.15 rate · balance €17,645.15After 25 months: €1,090.74 rate · balance €17,690.74After 26 months: €1,136.32 rate · balance €17,736.32After 27 months: €1,181.90 rate · balance €17,781.90After 28 months: €1,227.49 rate · balance €17,827.49After 29 months: €1,273.07 rate · balance €17,873.07After 30 months: €1,318.65 rate · balance €17,918.65After 31 months: €1,364.24 rate · balance €17,964.24After 32 months: €1,409.82 rate · balance €18,009.82After 33 months: €1,455.40 rate · balance €18,055.40After 34 months: €1,500.99 rate · balance €18,100.99After 35 months: €1,546.57 rate · balance €18,146.57After 36 months: €1,592.15 rate · balance €18,192.15
€ 0€ 1kstart1 yr2 yrs3 yrs€1,592After 1 month: €42.88 rate · balance €16,642.88After 2 months: €85.77 rate · balance €16,685.77After 3 months: €128.65 rate · balance €16,728.65After 4 months: €171.53 rate · balance €16,771.53After 5 months: €214.42 rate · balance €16,814.42After 6 months: €257.30 rate · balance €16,857.30After 7 months: €300.18 rate · balance €16,900.18After 8 months: €343.07 rate · balance €16,943.07After 9 months: €385.95 rate · balance €16,985.95After 10 months: €428.83 rate · balance €17,028.83After 11 months: €471.72 rate · balance €17,071.72After 12 months: €514.60 rate · balance €17,114.60After 13 months: €558.81 rate · balance €17,158.81After 14 months: €603.03 rate · balance €17,203.03After 15 months: €647.24 rate · balance €17,247.24After 16 months: €691.45 rate · balance €17,291.45After 17 months: €735.66 rate · balance €17,335.66After 18 months: €779.88 rate · balance €17,379.88After 19 months: €824.09 rate · balance €17,424.09After 20 months: €868.30 rate · balance €17,468.30After 21 months: €912.51 rate · balance €17,512.51After 22 months: €956.73 rate · balance €17,556.73After 23 months: €1,000.94 rate · balance €17,600.94After 24 months: €1,045.15 rate · balance €17,645.15After 25 months: €1,090.74 rate · balance €17,690.74After 26 months: €1,136.32 rate · balance €17,736.32After 27 months: €1,181.90 rate · balance €17,781.90After 28 months: €1,227.49 rate · balance €17,827.49After 29 months: €1,273.07 rate · balance €17,873.07After 30 months: €1,318.65 rate · balance €17,918.65After 31 months: €1,364.24 rate · balance €17,964.24After 32 months: €1,409.82 rate · balance €18,009.82After 33 months: €1,455.40 rate · balance €18,055.40After 34 months: €1,500.99 rate · balance €18,100.99After 35 months: €1,546.57 rate · balance €18,146.57After 36 months: €1,592.15 rate · balance €18,192.15
Per year
AfterInterest up to thenBalance
1 year€515€17,115
2 years€1,045€17,645
3 years€1,592€18,192

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.