Spaarradar
CompareDepositsGuided choice
News
NL
Spaarradar

Independent: the order follows only from the rate, your amount and the deposit guarantee, never from fees paid by banks.

Last check just now·570 offers from 88 institutions

Compare
  • Highest savings rate
  • Deposits by term
  • Notice accounts
  • No withholding tax
  • Saving via Raisin
  • Directly at the bank
  • Banks & deposit guarantee
Tools
  • Guided choice
  • Interest calculator
  • Switch check
  • Deposit ladder
  • My list
  • Widget for your site
Market data
  • Rate changes
  • Rate history
  • ECB rate
  • Savings rate index
  • News
  • API
About this site
  • Glossary
  • Methodology
  • About & contact
  • Press
  • Privacy
  • Disclaimer

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
Back to the comparison

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 €16,800
€526
per year, annualised · €1,627 total over 3 years
Deposit guarantee
€16,800 fully protected
Swedish scheme

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

Your calculation for €16,800

Gross interest over 3 years: €1,627.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,627After 1 month: €43.82 rate · balance €16,843.82After 2 months: €87.64 rate · balance €16,887.64After 3 months: €131.46 rate · balance €16,931.46After 4 months: €175.28 rate · balance €16,975.28After 5 months: €219.10 rate · balance €17,019.10After 6 months: €262.92 rate · balance €17,062.92

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

€16,800 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: €306.74 rate · balance €17,106.74After 8 months: €350.56 rate · balance €17,150.56After 9 months: €394.38 rate · balance €17,194.38After 10 months: €438.20 rate · balance €17,238.20After 11 months: €482.02 rate · balance €17,282.02After 12 months: €525.84 rate · balance €17,325.84After 13 months: €571.03 rate · balance €17,371.03After 14 months: €616.22 rate · balance €17,416.22After 15 months: €661.41 rate · balance €17,461.41After 16 months: €706.61 rate · balance €17,506.61After 17 months: €751.80 rate · balance €17,551.80After 18 months: €796.99 rate · balance €17,596.99After 19 months: €842.18 rate · balance €17,642.18After 20 months: €887.37 rate · balance €17,687.37After 21 months: €932.56 rate · balance €17,732.56After 22 months: €977.76 rate · balance €17,777.76After 23 months: €1,022.95 rate · balance €17,822.95After 24 months: €1,068.14 rate · balance €17,868.14After 25 months: €1,114.75 rate · balance €17,914.75After 26 months: €1,161.35 rate · balance €17,961.35After 27 months: €1,207.96 rate · balance €18,007.96After 28 months: €1,254.56 rate · balance €18,054.56After 29 months: €1,301.17 rate · balance €18,101.17After 30 months: €1,347.78 rate · balance €18,147.78After 31 months: €1,394.38 rate · balance €18,194.38After 32 months: €1,440.99 rate · balance €18,240.99After 33 months: €1,487.59 rate · balance €18,287.59After 34 months: €1,534.20 rate · balance €18,334.20After 35 months: €1,580.81 rate · balance €18,380.81After 36 months: €1,627.41 rate · balance €18,427.41
€ 0€ 1kstart1 yr2 yrs3 yrs€1,627After 1 month: €43.82 rate · balance €16,843.82After 2 months: €87.64 rate · balance €16,887.64After 3 months: €131.46 rate · balance €16,931.46After 4 months: €175.28 rate · balance €16,975.28After 5 months: €219.10 rate · balance €17,019.10After 6 months: €262.92 rate · balance €17,062.92After 7 months: €306.74 rate · balance €17,106.74After 8 months: €350.56 rate · balance €17,150.56After 9 months: €394.38 rate · balance €17,194.38After 10 months: €438.20 rate · balance €17,238.20After 11 months: €482.02 rate · balance €17,282.02After 12 months: €525.84 rate · balance €17,325.84After 13 months: €571.03 rate · balance €17,371.03After 14 months: €616.22 rate · balance €17,416.22After 15 months: €661.41 rate · balance €17,461.41After 16 months: €706.61 rate · balance €17,506.61After 17 months: €751.80 rate · balance €17,551.80After 18 months: €796.99 rate · balance €17,596.99After 19 months: €842.18 rate · balance €17,642.18After 20 months: €887.37 rate · balance €17,687.37After 21 months: €932.56 rate · balance €17,732.56After 22 months: €977.76 rate · balance €17,777.76After 23 months: €1,022.95 rate · balance €17,822.95After 24 months: €1,068.14 rate · balance €17,868.14After 25 months: €1,114.75 rate · balance €17,914.75After 26 months: €1,161.35 rate · balance €17,961.35After 27 months: €1,207.96 rate · balance €18,007.96After 28 months: €1,254.56 rate · balance €18,054.56After 29 months: €1,301.17 rate · balance €18,101.17After 30 months: €1,347.78 rate · balance €18,147.78After 31 months: €1,394.38 rate · balance €18,194.38After 32 months: €1,440.99 rate · balance €18,240.99After 33 months: €1,487.59 rate · balance €18,287.59After 34 months: €1,534.20 rate · balance €18,334.20After 35 months: €1,580.81 rate · balance €18,380.81After 36 months: €1,627.41 rate · balance €18,427.41
Per year
AfterInterest up to thenBalance
1 year€526€17,326
2 years€1,068€17,868
3 years€1,627€18,427

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.