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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 HoistSpar
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HoistSparTermijndeposito

Deposit · 2 years · Hoist Finance AB (publ) · Sweden · via Raisin
Open an account at HoistSpar
Rate
2.00%
2 years fixed
Your return on €16,600
€332
per year, annualised · €671 total over 2 years
Deposit guarantee
€16,600 fully protected
Swedish scheme

Hoist Finance AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank

Your calculation for €16,600

Gross interest over 2 years: €671.
Interest built up over 2 years
€ 0€ 250€ 500start1 yr2 yrs€671After 1 month: €27.67 rate · balance €16,627.67After 2 months: €55.33 rate · balance €16,655.33After 3 months: €83.00 rate · balance €16,683.00After 4 months: €110.67 rate · balance €16,710.67After 5 months: €138.33 rate · balance €16,738.33After 6 months: €166.00 rate · balance €16,766.00After 7 months: €193.67 rate · balance €16,793.67After 8 months: €221.33 rate · balance €16,821.33

Rate and conditions

BalanceRate
€0 – and up2.00%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
4 Aug 2025
Access
2 years fixed · no early withdrawal
Term
2 years
Minimum deposit
€500
Maximum deposit
€90,000
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
Swedish scheme

Hoist Finance AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank

Licence and verification
Institution
Hoist Finance AB (publ)
Status
Verified European deposit guarantee scheme
Scheme
Insättningsgarantin (Riksgälden) (Sweden)
Guarantee
1150000.00 SEK per person per institution (≈ €104,000)
Verification
Raisin wettelijke DGS-disclosure
detailsRiksgälden
source ↗ · 18 Sep 2026
Taxes
Country
Sweden
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Zweden heft geen bronbelasting op spaarrente van niet-ingezetenen.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Rate history

2.00% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of HoistSpar →All savings products of HoistSpar →

  • 2 Sep 2026New: HoistSpar – Termijndeposito (24 mo) 2.00%

Rate checked on 18 Sep 2026.

Other offers from HoistSpar

1 year · 1.00% · Raisin3 years · 3.13% · Raisin4 years · 3.22% · Raisin5 years · 3.41% · Raisin
After 9 months: €249.00 rate · balance €16,849.00After 10 months: €276.67 rate · balance €16,876.67After 11 months: €304.33 rate · balance €16,904.33After 12 months: €332.00 rate · balance €16,932.00After 13 months: €360.22 rate · balance €16,960.22After 14 months: €388.44 rate · balance €16,988.44After 15 months: €416.66 rate · balance €17,016.66After 16 months: €444.88 rate · balance €17,044.88After 17 months: €473.10 rate · balance €17,073.10After 18 months: €501.32 rate · balance €17,101.32After 19 months: €529.54 rate · balance €17,129.54After 20 months: €557.76 rate · balance €17,157.76After 21 months: €585.98 rate · balance €17,185.98After 22 months: €614.20 rate · balance €17,214.20After 23 months: €642.42 rate · balance €17,242.42After 24 months: €670.64 rate · balance €17,270.64
€ 0€ 250€ 500start1 yr2 yrs€671After 1 month: €27.67 rate · balance €16,627.67After 2 months: €55.33 rate · balance €16,655.33After 3 months: €83.00 rate · balance €16,683.00After 4 months: €110.67 rate · balance €16,710.67After 5 months: €138.33 rate · balance €16,738.33After 6 months: €166.00 rate · balance €16,766.00After 7 months: €193.67 rate · balance €16,793.67After 8 months: €221.33 rate · balance €16,821.33After 9 months: €249.00 rate · balance €16,849.00After 10 months: €276.67 rate · balance €16,876.67After 11 months: €304.33 rate · balance €16,904.33After 12 months: €332.00 rate · balance €16,932.00After 13 months: €360.22 rate · balance €16,960.22After 14 months: €388.44 rate · balance €16,988.44After 15 months: €416.66 rate · balance €17,016.66After 16 months: €444.88 rate · balance €17,044.88After 17 months: €473.10 rate · balance €17,073.10After 18 months: €501.32 rate · balance €17,101.32After 19 months: €529.54 rate · balance €17,129.54After 20 months: €557.76 rate · balance €17,157.76After 21 months: €585.98 rate · balance €17,185.98After 22 months: €614.20 rate · balance €17,214.20After 23 months: €642.42 rate · balance €17,242.42After 24 months: €670.64 rate · balance €17,270.64
Per year
AfterInterest up to thenBalance
1 year€332€16,932
2 years€671€17,271

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