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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 €16,800
€521
per year, annualised · €1,611 total over 3 years
Deposit guarantee
€16,800 fully protected
Finnish scheme

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

Your calculation for €16,800

Gross interest over 3 years: €1,611.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,611After 1 month: €43.40 rate · balance €16,843.40After 2 months: €86.80 rate · balance €16,886.80After 3 months: €130.20 rate · balance €16,930.20After 4 months: €173.60 rate · balance €16,973.60After 5 months: €217 rate · balance €17,017After 6 months: €260.40 rate · balance €17,060.40

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

€16,800 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: €303.80 rate · balance €17,103.80After 8 months: €347.20 rate · balance €17,147.20After 9 months: €390.60 rate · balance €17,190.60After 10 months: €434.00 rate · balance €17,234After 11 months: €477.40 rate · balance €17,277.40After 12 months: €520.80 rate · balance €17,320.80After 13 months: €565.55 rate · balance €17,365.55After 14 months: €610.29 rate · balance €17,410.29After 15 months: €655.04 rate · balance €17,455.04After 16 months: €699.78 rate · balance €17,499.78After 17 months: €744.53 rate · balance €17,544.53After 18 months: €789.27 rate · balance €17,589.27After 19 months: €834.02 rate · balance €17,634.02After 20 months: €878.76 rate · balance €17,678.76After 21 months: €923.51 rate · balance €17,723.51After 22 months: €968.25 rate · balance €17,768.25After 23 months: €1,013.00 rate · balance €17,813.00After 24 months: €1,057.74 rate · balance €17,857.74After 25 months: €1,103.88 rate · balance €17,903.88After 26 months: €1,150.01 rate · balance €17,950.01After 27 months: €1,196.14 rate · balance €17,996.14After 28 months: €1,242.27 rate · balance €18,042.27After 29 months: €1,288.41 rate · balance €18,088.41After 30 months: €1,334.54 rate · balance €18,134.54After 31 months: €1,380.67 rate · balance €18,180.67After 32 months: €1,426.80 rate · balance €18,226.80After 33 months: €1,472.94 rate · balance €18,272.94After 34 months: €1,519.07 rate · balance €18,319.07After 35 months: €1,565.20 rate · balance €18,365.20After 36 months: €1,611.33 rate · balance €18,411.33
€ 0€ 1kstart1 yr2 yrs3 yrs€1,611After 1 month: €43.40 rate · balance €16,843.40After 2 months: €86.80 rate · balance €16,886.80After 3 months: €130.20 rate · balance €16,930.20After 4 months: €173.60 rate · balance €16,973.60After 5 months: €217 rate · balance €17,017After 6 months: €260.40 rate · balance €17,060.40After 7 months: €303.80 rate · balance €17,103.80After 8 months: €347.20 rate · balance €17,147.20After 9 months: €390.60 rate · balance €17,190.60After 10 months: €434.00 rate · balance €17,234After 11 months: €477.40 rate · balance €17,277.40After 12 months: €520.80 rate · balance €17,320.80After 13 months: €565.55 rate · balance €17,365.55After 14 months: €610.29 rate · balance €17,410.29After 15 months: €655.04 rate · balance €17,455.04After 16 months: €699.78 rate · balance €17,499.78After 17 months: €744.53 rate · balance €17,544.53After 18 months: €789.27 rate · balance €17,589.27After 19 months: €834.02 rate · balance €17,634.02After 20 months: €878.76 rate · balance €17,678.76After 21 months: €923.51 rate · balance €17,723.51After 22 months: €968.25 rate · balance €17,768.25After 23 months: €1,013.00 rate · balance €17,813.00After 24 months: €1,057.74 rate · balance €17,857.74After 25 months: €1,103.88 rate · balance €17,903.88After 26 months: €1,150.01 rate · balance €17,950.01After 27 months: €1,196.14 rate · balance €17,996.14After 28 months: €1,242.27 rate · balance €18,042.27After 29 months: €1,288.41 rate · balance €18,088.41After 30 months: €1,334.54 rate · balance €18,134.54After 31 months: €1,380.67 rate · balance €18,180.67After 32 months: €1,426.80 rate · balance €18,226.80After 33 months: €1,472.94 rate · balance €18,272.94After 34 months: €1,519.07 rate · balance €18,319.07After 35 months: €1,565.20 rate · balance €18,365.20After 36 months: €1,611.33 rate · balance €18,411.33
Per year
AfterInterest up to thenBalance
1 year€521€17,321
2 years€1,058€17,858
3 years€1,611€18,411

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.