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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 €25,000
€775
per year, annualised · €2,398 total over 3 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 3 years: €2,398.
Interest built up over 3 years
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,398After 1 month: €64.58 rate · balance €25,064.58After 2 months: €129.17 rate · balance €25,129.17After 3 months: €193.75 rate · balance €25,193.75After 4 months: €258.33 rate · balance €25,258.33

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

€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

2.50%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 5 months: €322.92 rate · balance €25,322.92After 6 months: €387.50 rate · balance €25,387.50After 7 months: €452.08 rate · balance €25,452.08After 8 months: €516.67 rate · balance €25,516.67After 9 months: €581.25 rate · balance €25,581.25After 10 months: €645.83 rate · balance €25,645.83After 11 months: €710.42 rate · balance €25,710.42After 12 months: €775.00 rate · balance €25,775.00After 13 months: €841.59 rate · balance €25,841.58After 14 months: €908.17 rate · balance €25,908.17After 15 months: €974.76 rate · balance €25,974.76After 16 months: €1,041.34 rate · balance €26,041.34After 17 months: €1,107.93 rate · balance €26,107.93After 18 months: €1,174.51 rate · balance €26,174.51After 19 months: €1,241.10 rate · balance €26,241.10After 20 months: €1,307.68 rate · balance €26,307.68After 21 months: €1,374.27 rate · balance €26,374.27After 22 months: €1,440.85 rate · balance €26,440.85After 23 months: €1,507.44 rate · balance €26,507.44After 24 months: €1,574.02 rate · balance €26,574.02After 25 months: €1,642.67 rate · balance €26,642.67After 26 months: €1,711.32 rate · balance €26,711.32After 27 months: €1,779.97 rate · balance €26,779.97After 28 months: €1,848.62 rate · balance €26,848.62After 29 months: €1,917.27 rate · balance €26,917.27After 30 months: €1,985.92 rate · balance €26,985.92After 31 months: €2,054.57 rate · balance €27,054.57After 32 months: €2,123.22 rate · balance €27,123.22After 33 months: €2,191.87 rate · balance €27,191.87After 34 months: €2,260.52 rate · balance €27,260.52After 35 months: €2,329.17 rate · balance €27,329.17After 36 months: €2,397.82 rate · balance €27,397.82
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,398After 1 month: €64.58 rate · balance €25,064.58After 2 months: €129.17 rate · balance €25,129.17After 3 months: €193.75 rate · balance €25,193.75After 4 months: €258.33 rate · balance €25,258.33After 5 months: €322.92 rate · balance €25,322.92After 6 months: €387.50 rate · balance €25,387.50After 7 months: €452.08 rate · balance €25,452.08After 8 months: €516.67 rate · balance €25,516.67After 9 months: €581.25 rate · balance €25,581.25After 10 months: €645.83 rate · balance €25,645.83After 11 months: €710.42 rate · balance €25,710.42After 12 months: €775.00 rate · balance €25,775.00After 13 months: €841.59 rate · balance €25,841.58After 14 months: €908.17 rate · balance €25,908.17After 15 months: €974.76 rate · balance €25,974.76After 16 months: €1,041.34 rate · balance €26,041.34After 17 months: €1,107.93 rate · balance €26,107.93After 18 months: €1,174.51 rate · balance €26,174.51After 19 months: €1,241.10 rate · balance €26,241.10After 20 months: €1,307.68 rate · balance €26,307.68After 21 months: €1,374.27 rate · balance €26,374.27After 22 months: €1,440.85 rate · balance €26,440.85After 23 months: €1,507.44 rate · balance €26,507.44After 24 months: €1,574.02 rate · balance €26,574.02After 25 months: €1,642.67 rate · balance €26,642.67After 26 months: €1,711.32 rate · balance €26,711.32After 27 months: €1,779.97 rate · balance €26,779.97After 28 months: €1,848.62 rate · balance €26,848.62After 29 months: €1,917.27 rate · balance €26,917.27After 30 months: €1,985.92 rate · balance €26,985.92After 31 months: €2,054.57 rate · balance €27,054.57After 32 months: €2,123.22 rate · balance €27,123.22After 33 months: €2,191.87 rate · balance €27,191.87After 34 months: €2,260.52 rate · balance €27,260.52After 35 months: €2,329.17 rate · balance €27,329.17After 36 months: €2,397.82 rate · balance €27,397.82
Per year
AfterInterest up to thenBalance
1 year€775€25,775
2 years€1,574€26,574
3 years€2,398€27,398

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.