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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 · 3 years · Hoist Finance AB (publ) · Sweden · via Raisin
Open an account at HoistSpar
Rate
3.13%
3 years fixed
since 17 Sep 2026
Your return on €10,000
€313
per year, annualised · €969 total over 3 years
Deposit guarantee
€10,000 fully protected
Swedish scheme

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

Your calculation for €10,000

Gross interest over 3 years: €969.
Interest built up over 3 years
€ 0€ 500start1 yr2 yrs3 yrs€969After 1 month: €26.08 rate · balance €10,026.08After 2 months: €52.17 rate · balance €10,052.17After 3 months: €78.25 rate · balance €10,078.25After 4 months: €104.33 rate · balance €10,104.33After 5 months: €130.42 rate · balance €10,130.42After 6 months: €156.50 rate · balance €10,156.50

Rate and conditions

BalanceRate
€0 – and up3.13%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
17 Sep 2026
Access
3 years fixed · no early withdrawal
Term
3 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

€10,000 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

2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.13%3.12% from 2 Sep 2026 until 17 Sep 20263.13% from 17 Sep 2026 until now
2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.13%3.12% from 2 Sep 2026 until 17 Sep 20263.13% from 17 Sep 2026 until now

Other offers from HoistSpar

1 year · 1.00% · Raisin2 years · 2.00% · Raisin4 years · 3.22% · Raisin5 years · 3.41% · Raisin
After 7 months: €182.58 rate · balance €10,182.58After 8 months: €208.67 rate · balance €10,208.67After 9 months: €234.75 rate · balance €10,234.75After 10 months: €260.83 rate · balance €10,260.83After 11 months: €286.92 rate · balance €10,286.92After 12 months: €313.00 rate · balance €10,313.00After 13 months: €339.90 rate · balance €10,339.90After 14 months: €366.80 rate · balance €10,366.80After 15 months: €393.70 rate · balance €10,393.70After 16 months: €420.60 rate · balance €10,420.60After 17 months: €447.50 rate · balance €10,447.50After 18 months: €474.40 rate · balance €10,474.40After 19 months: €501.30 rate · balance €10,501.30After 20 months: €528.20 rate · balance €10,528.20After 21 months: €555.10 rate · balance €10,555.10After 22 months: €582.00 rate · balance €10,582.00After 23 months: €608.90 rate · balance €10,608.90After 24 months: €635.80 rate · balance €10,635.80After 25 months: €663.54 rate · balance €10,663.54After 26 months: €691.28 rate · balance €10,691.28After 27 months: €719.02 rate · balance €10,719.02After 28 months: €746.76 rate · balance €10,746.76After 29 months: €774.50 rate · balance €10,774.50After 30 months: €802.25 rate · balance €10,802.25After 31 months: €829.99 rate · balance €10,829.99After 32 months: €857.73 rate · balance €10,857.73After 33 months: €885.47 rate · balance €10,885.47After 34 months: €913.21 rate · balance €10,913.21After 35 months: €940.95 rate · balance €10,940.95After 36 months: €968.70 rate · balance €10,968.70
€ 0€ 500start1 yr2 yrs3 yrs€969After 1 month: €26.08 rate · balance €10,026.08After 2 months: €52.17 rate · balance €10,052.17After 3 months: €78.25 rate · balance €10,078.25After 4 months: €104.33 rate · balance €10,104.33After 5 months: €130.42 rate · balance €10,130.42After 6 months: €156.50 rate · balance €10,156.50After 7 months: €182.58 rate · balance €10,182.58After 8 months: €208.67 rate · balance €10,208.67After 9 months: €234.75 rate · balance €10,234.75After 10 months: €260.83 rate · balance €10,260.83After 11 months: €286.92 rate · balance €10,286.92After 12 months: €313.00 rate · balance €10,313.00After 13 months: €339.90 rate · balance €10,339.90After 14 months: €366.80 rate · balance €10,366.80After 15 months: €393.70 rate · balance €10,393.70After 16 months: €420.60 rate · balance €10,420.60After 17 months: €447.50 rate · balance €10,447.50After 18 months: €474.40 rate · balance €10,474.40After 19 months: €501.30 rate · balance €10,501.30After 20 months: €528.20 rate · balance €10,528.20After 21 months: €555.10 rate · balance €10,555.10After 22 months: €582.00 rate · balance €10,582.00After 23 months: €608.90 rate · balance €10,608.90After 24 months: €635.80 rate · balance €10,635.80After 25 months: €663.54 rate · balance €10,663.54After 26 months: €691.28 rate · balance €10,691.28After 27 months: €719.02 rate · balance €10,719.02After 28 months: €746.76 rate · balance €10,746.76After 29 months: €774.50 rate · balance €10,774.50After 30 months: €802.25 rate · balance €10,802.25After 31 months: €829.99 rate · balance €10,829.99After 32 months: €857.73 rate · balance €10,857.73After 33 months: €885.47 rate · balance €10,885.47After 34 months: €913.21 rate · balance €10,913.21After 35 months: €940.95 rate · balance €10,940.95After 36 months: €968.70 rate · balance €10,968.70
Per year
AfterInterest up to thenBalance
1 year€313€10,313
2 years€636€10,636
3 years€969€10,969

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

From
Rate
Until
17 Sep 20263.13%current
2 Sep 20263.12%17 Sep 2026

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

  • 17 Sep 2026HoistSpar – Termijndeposito (36 mo): 3.12% → 3.13%
  • 2 Sep 2026New: HoistSpar – Termijndeposito (36 mo) 3.12%

Rate checked on 18 Sep 2026.