Alisa BankSpaarrekening
Instant access · Alisa Pankki Oyj · Finland · via Raisin
- Rate
- 2.25%
- variable
- since 20 Oct 2026
- EffectiveThe effective annual rate for €16,600: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. Interest is compounded during the term and earns interest on interest.
- 2.27%
- for €16,600
- Your return on €16,600
- €377
- interest per year
- Deposit guarantee
- €16,600 fully protectedFinnish scheme
Alisa Pankki Oyj · Talletussuoja (Rahoitusvakausvirasto) · €100,000 per person per bank
Your calculation for €16,600
Gross interest over 1 year: €377.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.25% |
- Interest payout
- quarterly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 20 Oct 2026
- Access
- Instant access
- Minimum deposit
- €1
- 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 elk kwartaal bijgeschreven op de spaarrekening
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-disclosuresource ↗ · 2 Nov 2026
details
Financial Stability Authority
Taxes
- Country
- Finland
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Finland withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 20 Oct 2026 | 2.25% | current |
| 13 Oct 2026 | 2.10% | 20 Oct 2026 |
| 29 Sep 2026 | 2.00% | 13 Oct 2026 |
| 2 Sep 2026 | 1.25% | 29 Sep 2026 |
All historic rates of Alisa Bank →All savings products of Alisa Bank →
- 20 Oct 2026Alisa Bank – Spaarrekening: 2.10% → 2.25%
- 13 Oct 2026Alisa Bank – Spaarrekening: 2.00% → 2.10%
- 29 Sep 2026Alisa Bank – Spaarrekening found again in the source
- 29 Sep 2026Alisa Bank – Spaarrekening: 1.25% → 2.00%
- 29 Sep 2026Alisa Bank – Spaarrekening not found in 12 consecutive runs; deactivated
- 28 Sep 2026Alisa Bank – Spaarrekening missing from the source (3 runs)
- 2 Sep 2026New: Alisa Bank – Spaarrekening 1.25%
Rate checked on 2 Nov 2026.