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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 €16,600
€531
per year, annualised · €2,229 total over 4 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 4 years: €2,229.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,229After 1 month: €44.27 rate · balance €16,644.27After 2 months: €88.53 rate · balance €16,688.53

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

€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 2026now3.20%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: €132.80 rate · balance €16,732.80After 4 months: €177.07 rate · balance €16,777.07After 5 months: €221.33 rate · balance €16,821.33After 6 months: €265.60 rate · balance €16,865.60After 7 months: €309.87 rate · balance €16,909.87After 8 months: €354.13 rate · balance €16,954.13After 9 months: €398.40 rate · balance €16,998.40After 10 months: €442.67 rate · balance €17,042.67After 11 months: €486.93 rate · balance €17,086.93After 12 months: €531.20 rate · balance €17,131.20After 13 months: €576.88 rate · balance €17,176.88After 14 months: €622.57 rate · balance €17,222.57After 15 months: €668.25 rate · balance €17,268.25After 16 months: €713.93 rate · balance €17,313.93After 17 months: €759.62 rate · balance €17,359.62After 18 months: €805.30 rate · balance €17,405.30After 19 months: €850.98 rate · balance €17,450.98After 20 months: €896.67 rate · balance €17,496.67After 21 months: €942.35 rate · balance €17,542.35After 22 months: €988.03 rate · balance €17,588.03After 23 months: €1,033.72 rate · balance €17,633.72After 24 months: €1,079.40 rate · balance €17,679.40After 25 months: €1,126.54 rate · balance €17,726.54After 26 months: €1,173.69 rate · balance €17,773.69After 27 months: €1,220.83 rate · balance €17,820.83After 28 months: €1,267.98 rate · balance €17,867.98After 29 months: €1,315.12 rate · balance €17,915.12After 30 months: €1,362.27 rate · balance €17,962.27After 31 months: €1,409.41 rate · balance €18,009.41After 32 months: €1,456.56 rate · balance €18,056.56After 33 months: €1,503.70 rate · balance €18,103.70After 34 months: €1,550.85 rate · balance €18,150.85After 35 months: €1,597.99 rate · balance €18,197.99After 36 months: €1,645.14 rate · balance €18,245.14After 37 months: €1,693.79 rate · balance €18,293.79After 38 months: €1,742.45 rate · balance €18,342.45After 39 months: €1,791.10 rate · balance €18,391.10After 40 months: €1,839.75 rate · balance €18,439.75After 41 months: €1,888.41 rate · balance €18,488.41After 42 months: €1,937.06 rate · balance €18,537.06After 43 months: €1,985.72 rate · balance €18,585.72After 44 months: €2,034.37 rate · balance €18,634.37After 45 months: €2,083.02 rate · balance €18,683.02After 46 months: €2,131.68 rate · balance €18,731.68After 47 months: €2,180.33 rate · balance €18,780.33After 48 months: €2,228.98 rate · balance €18,828.98
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,229After 1 month: €44.27 rate · balance €16,644.27After 2 months: €88.53 rate · balance €16,688.53After 3 months: €132.80 rate · balance €16,732.80After 4 months: €177.07 rate · balance €16,777.07After 5 months: €221.33 rate · balance €16,821.33After 6 months: €265.60 rate · balance €16,865.60After 7 months: €309.87 rate · balance €16,909.87After 8 months: €354.13 rate · balance €16,954.13After 9 months: €398.40 rate · balance €16,998.40After 10 months: €442.67 rate · balance €17,042.67After 11 months: €486.93 rate · balance €17,086.93After 12 months: €531.20 rate · balance €17,131.20After 13 months: €576.88 rate · balance €17,176.88After 14 months: €622.57 rate · balance €17,222.57After 15 months: €668.25 rate · balance €17,268.25After 16 months: €713.93 rate · balance €17,313.93After 17 months: €759.62 rate · balance €17,359.62After 18 months: €805.30 rate · balance €17,405.30After 19 months: €850.98 rate · balance €17,450.98After 20 months: €896.67 rate · balance €17,496.67After 21 months: €942.35 rate · balance €17,542.35After 22 months: €988.03 rate · balance €17,588.03After 23 months: €1,033.72 rate · balance €17,633.72After 24 months: €1,079.40 rate · balance €17,679.40After 25 months: €1,126.54 rate · balance €17,726.54After 26 months: €1,173.69 rate · balance €17,773.69After 27 months: €1,220.83 rate · balance €17,820.83After 28 months: €1,267.98 rate · balance €17,867.98After 29 months: €1,315.12 rate · balance €17,915.12After 30 months: €1,362.27 rate · balance €17,962.27After 31 months: €1,409.41 rate · balance €18,009.41After 32 months: €1,456.56 rate · balance €18,056.56After 33 months: €1,503.70 rate · balance €18,103.70After 34 months: €1,550.85 rate · balance €18,150.85After 35 months: €1,597.99 rate · balance €18,197.99After 36 months: €1,645.14 rate · balance €18,245.14After 37 months: €1,693.79 rate · balance €18,293.79After 38 months: €1,742.45 rate · balance €18,342.45After 39 months: €1,791.10 rate · balance €18,391.10After 40 months: €1,839.75 rate · balance €18,439.75After 41 months: €1,888.41 rate · balance €18,488.41After 42 months: €1,937.06 rate · balance €18,537.06After 43 months: €1,985.72 rate · balance €18,585.72After 44 months: €2,034.37 rate · balance €18,634.37After 45 months: €2,083.02 rate · balance €18,683.02After 46 months: €2,131.68 rate · balance €18,731.68After 47 months: €2,180.33 rate · balance €18,780.33After 48 months: €2,228.98 rate · balance €18,828.98
Per year
AfterInterest up to thenBalance
1 year€531€17,131
2 years€1,079€17,679
3 years€1,645€18,245
4 years€2,229€18,829

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.