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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 €25,000
€800
per year, annualised · €3,357 total over 4 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 4 years: €3,357.
Interest built up over 4 years
€ 0€ 2kstart2 yrs4 yrs€3,357After 1 month: €66.67 rate · balance €25,066.67After 2 months: €133.33 rate · balance €25,133.33After 3 months: €200.00 rate · balance €25,200.00After 4 months: €266.67 rate · balance €25,266.67

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

€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 2026now3.20%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 5 months: €333.33 rate · balance €25,333.33After 6 months: €400.00 rate · balance €25,400.00After 7 months: €466.67 rate · balance €25,466.67After 8 months: €533.33 rate · balance €25,533.33After 9 months: €600.00 rate · balance €25,600.00After 10 months: €666.67 rate · balance €25,666.67After 11 months: €733.33 rate · balance €25,733.33After 12 months: €800.00 rate · balance €25,800.00After 13 months: €868.80 rate · balance €25,868.80After 14 months: €937.60 rate · balance €25,937.60After 15 months: €1,006.40 rate · balance €26,006.40After 16 months: €1,075.20 rate · balance €26,075.20After 17 months: €1,144.00 rate · balance €26,144.00After 18 months: €1,212.80 rate · balance €26,212.80After 19 months: €1,281.60 rate · balance €26,281.60After 20 months: €1,350.40 rate · balance €26,350.40After 21 months: €1,419.20 rate · balance €26,419.20After 22 months: €1,488.00 rate · balance €26,488.00After 23 months: €1,556.80 rate · balance €26,556.80After 24 months: €1,625.60 rate · balance €26,625.60After 25 months: €1,696.60 rate · balance €26,696.60After 26 months: €1,767.60 rate · balance €26,767.60After 27 months: €1,838.61 rate · balance €26,838.61After 28 months: €1,909.61 rate · balance €26,909.61After 29 months: €1,980.61 rate · balance €26,980.61After 30 months: €2,051.61 rate · balance €27,051.61After 31 months: €2,122.61 rate · balance €27,122.61After 32 months: €2,193.61 rate · balance €27,193.61After 33 months: €2,264.61 rate · balance €27,264.61After 34 months: €2,335.62 rate · balance €27,335.62After 35 months: €2,406.62 rate · balance €27,406.62After 36 months: €2,477.62 rate · balance €27,477.62After 37 months: €2,550.89 rate · balance €27,550.89After 38 months: €2,624.17 rate · balance €27,624.17After 39 months: €2,697.44 rate · balance €27,697.44After 40 months: €2,770.71 rate · balance €27,770.71After 41 months: €2,843.99 rate · balance €27,843.99After 42 months: €2,917.26 rate · balance €27,917.26After 43 months: €2,990.54 rate · balance €27,990.54After 44 months: €3,063.81 rate · balance €28,063.81After 45 months: €3,137.08 rate · balance €28,137.08After 46 months: €3,210.36 rate · balance €28,210.36After 47 months: €3,283.63 rate · balance €28,283.63After 48 months: €3,356.90 rate · balance €28,356.90
€ 0€ 2kstart1 yr2 yrs3 yrs4 yrs€3,357After 1 month: €66.67 rate · balance €25,066.67After 2 months: €133.33 rate · balance €25,133.33After 3 months: €200.00 rate · balance €25,200.00After 4 months: €266.67 rate · balance €25,266.67After 5 months: €333.33 rate · balance €25,333.33After 6 months: €400.00 rate · balance €25,400.00After 7 months: €466.67 rate · balance €25,466.67After 8 months: €533.33 rate · balance €25,533.33After 9 months: €600.00 rate · balance €25,600.00After 10 months: €666.67 rate · balance €25,666.67After 11 months: €733.33 rate · balance €25,733.33After 12 months: €800.00 rate · balance €25,800.00After 13 months: €868.80 rate · balance €25,868.80After 14 months: €937.60 rate · balance €25,937.60After 15 months: €1,006.40 rate · balance €26,006.40After 16 months: €1,075.20 rate · balance €26,075.20After 17 months: €1,144.00 rate · balance €26,144.00After 18 months: €1,212.80 rate · balance €26,212.80After 19 months: €1,281.60 rate · balance €26,281.60After 20 months: €1,350.40 rate · balance €26,350.40After 21 months: €1,419.20 rate · balance €26,419.20After 22 months: €1,488.00 rate · balance €26,488.00After 23 months: €1,556.80 rate · balance €26,556.80After 24 months: €1,625.60 rate · balance €26,625.60After 25 months: €1,696.60 rate · balance €26,696.60After 26 months: €1,767.60 rate · balance €26,767.60After 27 months: €1,838.61 rate · balance €26,838.61After 28 months: €1,909.61 rate · balance €26,909.61After 29 months: €1,980.61 rate · balance €26,980.61After 30 months: €2,051.61 rate · balance €27,051.61After 31 months: €2,122.61 rate · balance €27,122.61After 32 months: €2,193.61 rate · balance €27,193.61After 33 months: €2,264.61 rate · balance €27,264.61After 34 months: €2,335.62 rate · balance €27,335.62After 35 months: €2,406.62 rate · balance €27,406.62After 36 months: €2,477.62 rate · balance €27,477.62After 37 months: €2,550.89 rate · balance €27,550.89After 38 months: €2,624.17 rate · balance €27,624.17After 39 months: €2,697.44 rate · balance €27,697.44After 40 months: €2,770.71 rate · balance €27,770.71After 41 months: €2,843.99 rate · balance €27,843.99After 42 months: €2,917.26 rate · balance €27,917.26After 43 months: €2,990.54 rate · balance €27,990.54After 44 months: €3,063.81 rate · balance €28,063.81After 45 months: €3,137.08 rate · balance €28,137.08After 46 months: €3,210.36 rate · balance €28,210.36After 47 months: €3,283.63 rate · balance €28,283.63After 48 months: €3,356.90 rate · balance €28,356.90
Per year
AfterInterest up to thenBalance
1 year€800€25,800
2 years€1,626€26,626
3 years€2,478€27,478
4 years€3,357€28,357

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.