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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 €16,600
€520
per year, annualised · €1,608 total over 3 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 3 years: €1,608.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,608After 1 month: €43.30 rate · balance €16,643.30After 2 months: €86.60 rate · balance €16,686.60After 3 months: €129.89 rate · balance €16,729.89After 4 months: €173.19 rate · balance €16,773.19After 5 months: €216.49 rate · balance €16,816.49After 6 months: €259.79 rate · balance €16,859.79

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

€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

2.75%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: €303.09 rate · balance €16,903.09After 8 months: €346.39 rate · balance €16,946.39After 9 months: €389.68 rate · balance €16,989.68After 10 months: €432.98 rate · balance €17,032.98After 11 months: €476.28 rate · balance €17,076.28After 12 months: €519.58 rate · balance €17,119.58After 13 months: €564.23 rate · balance €17,164.23After 14 months: €608.89 rate · balance €17,208.89After 15 months: €653.54 rate · balance €17,253.54After 16 months: €698.19 rate · balance €17,298.19After 17 months: €742.85 rate · balance €17,342.85After 18 months: €787.50 rate · balance €17,387.50After 19 months: €832.15 rate · balance €17,432.15After 20 months: €876.81 rate · balance €17,476.81After 21 months: €921.46 rate · balance €17,521.46After 22 months: €966.12 rate · balance €17,566.12After 23 months: €1,010.77 rate · balance €17,610.77After 24 months: €1,055.42 rate · balance €17,655.42After 25 months: €1,101.47 rate · balance €17,701.47After 26 months: €1,147.53 rate · balance €17,747.53After 27 months: €1,193.58 rate · balance €17,793.58After 28 months: €1,239.63 rate · balance €17,839.63After 29 months: €1,285.68 rate · balance €17,885.68After 30 months: €1,331.73 rate · balance €17,931.73After 31 months: €1,377.78 rate · balance €17,977.78After 32 months: €1,423.83 rate · balance €18,023.83After 33 months: €1,469.88 rate · balance €18,069.88After 34 months: €1,515.93 rate · balance €18,115.93After 35 months: €1,561.99 rate · balance €18,161.99After 36 months: €1,608.04 rate · balance €18,208.04
€ 0€ 1kstart1 yr2 yrs3 yrs€1,608After 1 month: €43.30 rate · balance €16,643.30After 2 months: €86.60 rate · balance €16,686.60After 3 months: €129.89 rate · balance €16,729.89After 4 months: €173.19 rate · balance €16,773.19After 5 months: €216.49 rate · balance €16,816.49After 6 months: €259.79 rate · balance €16,859.79After 7 months: €303.09 rate · balance €16,903.09After 8 months: €346.39 rate · balance €16,946.39After 9 months: €389.68 rate · balance €16,989.68After 10 months: €432.98 rate · balance €17,032.98After 11 months: €476.28 rate · balance €17,076.28After 12 months: €519.58 rate · balance €17,119.58After 13 months: €564.23 rate · balance €17,164.23After 14 months: €608.89 rate · balance €17,208.89After 15 months: €653.54 rate · balance €17,253.54After 16 months: €698.19 rate · balance €17,298.19After 17 months: €742.85 rate · balance €17,342.85After 18 months: €787.50 rate · balance €17,387.50After 19 months: €832.15 rate · balance €17,432.15After 20 months: €876.81 rate · balance €17,476.81After 21 months: €921.46 rate · balance €17,521.46After 22 months: €966.12 rate · balance €17,566.12After 23 months: €1,010.77 rate · balance €17,610.77After 24 months: €1,055.42 rate · balance €17,655.42After 25 months: €1,101.47 rate · balance €17,701.47After 26 months: €1,147.53 rate · balance €17,747.53After 27 months: €1,193.58 rate · balance €17,793.58After 28 months: €1,239.63 rate · balance €17,839.63After 29 months: €1,285.68 rate · balance €17,885.68After 30 months: €1,331.73 rate · balance €17,931.73After 31 months: €1,377.78 rate · balance €17,977.78After 32 months: €1,423.83 rate · balance €18,023.83After 33 months: €1,469.88 rate · balance €18,069.88After 34 months: €1,515.93 rate · balance €18,115.93After 35 months: €1,561.99 rate · balance €18,161.99After 36 months: €1,608.04 rate · balance €18,208.04
Per year
AfterInterest up to thenBalance
1 year€520€17,120
2 years€1,055€17,655
3 years€1,608€18,208

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.