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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 · 4 years · Alisa Pankki Oyj · Finland · via Raisin
Open an account at Alisa Bank
Rate
3.20%
4 years fixed
since 16 Sep 2026
Your return on €100,000
€3,200
per year, annualised · €13,428 total over 4 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 4 years: €13,428.
Interest built up over 4 years
€ 0€ 5k€ 10kstart2 yrs4 yrs€13,428After 1 month: €266.67 rate · balance €100,266.67After 2 months: €533.33 rate · balance €100,533.33

Rate and conditions

BalanceRate
€0 – and up3.20%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
16 Sep 2026
Access
4 years fixed · no early withdrawal
Term
4 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 2026now3.20%2.90% from 2 Sep 2026 until 16 Sep 20263.20% from 16 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.20%2.90% 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% · Raisin3 years · 3.10% · Raisin5 years · 3.30% · Raisin
After 3 months: €800.00 rate · balance €100,800.00After 4 months: €1,066.67 rate · balance €101,066.67After 5 months: €1,333.33 rate · balance €101,333.33After 6 months: €1,600.00 rate · balance €101,600.00After 7 months: €1,866.67 rate · balance €101,866.67After 8 months: €2,133.33 rate · balance €102,133.33After 9 months: €2,400.00 rate · balance €102,400.00After 10 months: €2,666.67 rate · balance €102,666.67After 11 months: €2,933.33 rate · balance €102,933.33After 12 months: €3,200.00 rate · balance €103,200.00After 13 months: €3,475.20 rate · balance €103,475.20After 14 months: €3,750.40 rate · balance €103,750.40After 15 months: €4,025.60 rate · balance €104,025.60After 16 months: €4,300.80 rate · balance €104,300.80After 17 months: €4,576.00 rate · balance €104,576.00After 18 months: €4,851.20 rate · balance €104,851.20After 19 months: €5,126.40 rate · balance €105,126.40After 20 months: €5,401.60 rate · balance €105,401.60After 21 months: €5,676.80 rate · balance €105,676.80After 22 months: €5,952.00 rate · balance €105,952.00After 23 months: €6,227.20 rate · balance €106,227.20After 24 months: €6,502.40 rate · balance €106,502.40After 25 months: €6,786.41 rate · balance €106,786.41After 26 months: €7,070.41 rate · balance €107,070.41After 27 months: €7,354.42 rate · balance €107,354.42After 28 months: €7,638.43 rate · balance €107,638.43After 29 months: €7,922.43 rate · balance €107,922.43After 30 months: €8,206.44 rate · balance €108,206.44After 31 months: €8,490.45 rate · balance €108,490.45After 32 months: €8,774.45 rate · balance €108,774.45After 33 months: €9,058.46 rate · balance €109,058.46After 34 months: €9,342.46 rate · balance €109,342.46After 35 months: €9,626.47 rate · balance €109,626.47After 36 months: €9,910.48 rate · balance €109,910.48After 37 months: €10,203.57 rate · balance €110,203.57After 38 months: €10,496.67 rate · balance €110,496.67After 39 months: €10,789.76 rate · balance €110,789.76After 40 months: €11,082.86 rate · balance €111,082.86After 41 months: €11,375.95 rate · balance €111,375.95After 42 months: €11,669.04 rate · balance €111,669.04After 43 months: €11,962.14 rate · balance €111,962.14After 44 months: €12,255.23 rate · balance €112,255.23After 45 months: €12,548.33 rate · balance €112,548.33After 46 months: €12,841.42 rate · balance €112,841.42After 47 months: €13,134.52 rate · balance €113,134.52After 48 months: €13,427.61 rate · balance €113,427.61
€ 0€ 5k€ 10kstart1 yr2 yrs3 yrs4 yrs€13,428After 1 month: €266.67 rate · balance €100,266.67After 2 months: €533.33 rate · balance €100,533.33After 3 months: €800.00 rate · balance €100,800.00After 4 months: €1,066.67 rate · balance €101,066.67After 5 months: €1,333.33 rate · balance €101,333.33After 6 months: €1,600.00 rate · balance €101,600.00After 7 months: €1,866.67 rate · balance €101,866.67After 8 months: €2,133.33 rate · balance €102,133.33After 9 months: €2,400.00 rate · balance €102,400.00After 10 months: €2,666.67 rate · balance €102,666.67After 11 months: €2,933.33 rate · balance €102,933.33After 12 months: €3,200.00 rate · balance €103,200.00After 13 months: €3,475.20 rate · balance €103,475.20After 14 months: €3,750.40 rate · balance €103,750.40After 15 months: €4,025.60 rate · balance €104,025.60After 16 months: €4,300.80 rate · balance €104,300.80After 17 months: €4,576.00 rate · balance €104,576.00After 18 months: €4,851.20 rate · balance €104,851.20After 19 months: €5,126.40 rate · balance €105,126.40After 20 months: €5,401.60 rate · balance €105,401.60After 21 months: €5,676.80 rate · balance €105,676.80After 22 months: €5,952.00 rate · balance €105,952.00After 23 months: €6,227.20 rate · balance €106,227.20After 24 months: €6,502.40 rate · balance €106,502.40After 25 months: €6,786.41 rate · balance €106,786.41After 26 months: €7,070.41 rate · balance €107,070.41After 27 months: €7,354.42 rate · balance €107,354.42After 28 months: €7,638.43 rate · balance €107,638.43After 29 months: €7,922.43 rate · balance €107,922.43After 30 months: €8,206.44 rate · balance €108,206.44After 31 months: €8,490.45 rate · balance €108,490.45After 32 months: €8,774.45 rate · balance €108,774.45After 33 months: €9,058.46 rate · balance €109,058.46After 34 months: €9,342.46 rate · balance €109,342.46After 35 months: €9,626.47 rate · balance €109,626.47After 36 months: €9,910.48 rate · balance €109,910.48After 37 months: €10,203.57 rate · balance €110,203.57After 38 months: €10,496.67 rate · balance €110,496.67After 39 months: €10,789.76 rate · balance €110,789.76After 40 months: €11,082.86 rate · balance €111,082.86After 41 months: €11,375.95 rate · balance €111,375.95After 42 months: €11,669.04 rate · balance €111,669.04After 43 months: €11,962.14 rate · balance €111,962.14After 44 months: €12,255.23 rate · balance €112,255.23After 45 months: €12,548.33 rate · balance €112,548.33After 46 months: €12,841.42 rate · balance €112,841.42After 47 months: €13,134.52 rate · balance €113,134.52After 48 months: €13,427.61 rate · balance €113,427.61
Per year
AfterInterest up to thenBalance
1 year€3,200€103,200
2 years€6,502€106,502
3 years€9,910€109,910
4 years€13,428€113,428

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

3.20% from 16 Sep 2026 until now
FromRateUntil
16 Sep 20263.20%current
2 Sep 20262.90%16 Sep 2026

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

  • 16 Sep 2026Alisa Bank – Termijndeposito (48 mo): 2.90% → 3.20%
  • 2 Sep 2026New: Alisa Bank – Termijndeposito (48 mo) 2.90%

Rate checked on 18 Sep 2026.