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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 €25,000
€783
per year, annualised · €2,422 total over 3 years
Deposit guarantee
€25,000 fully protected
Swedish scheme

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

Your calculation for €25,000

Gross interest over 3 years: €2,422.
Interest built up over 3 years
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,422After 1 month: €65.21 rate · balance €25,065.21After 2 months: €130.42 rate · balance €25,130.42After 3 months: €195.62 rate · balance €25,195.62After 4 months: €260.83 rate · balance €25,260.83

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

€25,000 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 5 months: €326.04 rate · balance €25,326.04After 6 months: €391.25 rate · balance €25,391.25After 7 months: €456.46 rate · balance €25,456.46After 8 months: €521.67 rate · balance €25,521.67After 9 months: €586.87 rate · balance €25,586.87After 10 months: €652.08 rate · balance €25,652.08After 11 months: €717.29 rate · balance €25,717.29After 12 months: €782.50 rate · balance €25,782.50After 13 months: €849.75 rate · balance €25,849.75After 14 months: €917.00 rate · balance €25,917.00After 15 months: €984.25 rate · balance €25,984.25After 16 months: €1,051.50 rate · balance €26,051.50After 17 months: €1,118.75 rate · balance €26,118.75After 18 months: €1,186.00 rate · balance €26,186.00After 19 months: €1,253.25 rate · balance €26,253.25After 20 months: €1,320.49 rate · balance €26,320.49After 21 months: €1,387.74 rate · balance €26,387.74After 22 months: €1,454.99 rate · balance €26,454.99After 23 months: €1,522.24 rate · balance €26,522.24After 24 months: €1,589.49 rate · balance €26,589.49After 25 months: €1,658.85 rate · balance €26,658.85After 26 months: €1,728.20 rate · balance €26,728.20After 27 months: €1,797.56 rate · balance €26,797.56After 28 months: €1,866.91 rate · balance €26,866.91After 29 months: €1,936.26 rate · balance €26,936.26After 30 months: €2,005.62 rate · balance €27,005.62After 31 months: €2,074.97 rate · balance €27,074.97After 32 months: €2,144.33 rate · balance €27,144.33After 33 months: €2,213.68 rate · balance €27,213.68After 34 months: €2,283.04 rate · balance €27,283.04After 35 months: €2,352.39 rate · balance €27,352.39After 36 months: €2,421.74 rate · balance €27,421.74
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,422After 1 month: €65.21 rate · balance €25,065.21After 2 months: €130.42 rate · balance €25,130.42After 3 months: €195.62 rate · balance €25,195.62After 4 months: €260.83 rate · balance €25,260.83After 5 months: €326.04 rate · balance €25,326.04After 6 months: €391.25 rate · balance €25,391.25After 7 months: €456.46 rate · balance €25,456.46After 8 months: €521.67 rate · balance €25,521.67After 9 months: €586.87 rate · balance €25,586.87After 10 months: €652.08 rate · balance €25,652.08After 11 months: €717.29 rate · balance €25,717.29After 12 months: €782.50 rate · balance €25,782.50After 13 months: €849.75 rate · balance €25,849.75After 14 months: €917.00 rate · balance €25,917.00After 15 months: €984.25 rate · balance €25,984.25After 16 months: €1,051.50 rate · balance €26,051.50After 17 months: €1,118.75 rate · balance €26,118.75After 18 months: €1,186.00 rate · balance €26,186.00After 19 months: €1,253.25 rate · balance €26,253.25After 20 months: €1,320.49 rate · balance €26,320.49After 21 months: €1,387.74 rate · balance €26,387.74After 22 months: €1,454.99 rate · balance €26,454.99After 23 months: €1,522.24 rate · balance €26,522.24After 24 months: €1,589.49 rate · balance €26,589.49After 25 months: €1,658.85 rate · balance €26,658.85After 26 months: €1,728.20 rate · balance €26,728.20After 27 months: €1,797.56 rate · balance €26,797.56After 28 months: €1,866.91 rate · balance €26,866.91After 29 months: €1,936.26 rate · balance €26,936.26After 30 months: €2,005.62 rate · balance €27,005.62After 31 months: €2,074.97 rate · balance €27,074.97After 32 months: €2,144.33 rate · balance €27,144.33After 33 months: €2,213.68 rate · balance €27,213.68After 34 months: €2,283.04 rate · balance €27,283.04After 35 months: €2,352.39 rate · balance €27,352.39After 36 months: €2,421.74 rate · balance €27,421.74
Per year
AfterInterest up to thenBalance
1 year€782€25,782
2 years€1,589€26,589
3 years€2,422€27,422

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.