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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 · 4 years · Hoist Finance AB (publ) · Sweden · via Raisin
Open an account at HoistSpar
Rate
3.22%
4 years fixed
since 17 Sep 2026
Your return on €16,600
€535
per year, annualised · €2,244 total over 4 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 4 years: €2,244.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,244After 1 month: €44.54 rate · balance €16,644.54After 2 months: €89.09 rate · balance €16,689.09

Rate and conditions

BalanceRate
€0 – and up3.22%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
17 Sep 2026
Access
4 years fixed · no early withdrawal
Term
4 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 2026now3.22%3.17% from 2 Sep 2026 until 17 Sep 20263.22% from 17 Sep 2026 until now
2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.22%3.17% from 2 Sep 2026 until 17 Sep 20263.22% from 17 Sep 2026 until now

Other offers from HoistSpar

1 year · 1.00% · Raisin2 years · 2.00% · Raisin3 years · 3.13% · Raisin5 years · 3.41% · Raisin
After 3 months: €133.63 rate · balance €16,733.63After 4 months: €178.17 rate · balance €16,778.17After 5 months: €222.72 rate · balance €16,822.72After 6 months: €267.26 rate · balance €16,867.26After 7 months: €311.80 rate · balance €16,911.80After 8 months: €356.35 rate · balance €16,956.35After 9 months: €400.89 rate · balance €17,000.89After 10 months: €445.43 rate · balance €17,045.43After 11 months: €489.98 rate · balance €17,089.98After 12 months: €534.52 rate · balance €17,134.52After 13 months: €580.50 rate · balance €17,180.50After 14 months: €626.47 rate · balance €17,226.47After 15 months: €672.45 rate · balance €17,272.45After 16 months: €718.43 rate · balance €17,318.43After 17 months: €764.41 rate · balance €17,364.41After 18 months: €810.39 rate · balance €17,410.39After 19 months: €856.36 rate · balance €17,456.36After 20 months: €902.34 rate · balance €17,502.34After 21 months: €948.32 rate · balance €17,548.32After 22 months: €994.30 rate · balance €17,594.30After 23 months: €1,040.27 rate · balance €17,640.27After 24 months: €1,086.25 rate · balance €17,686.25After 25 months: €1,133.71 rate · balance €17,733.71After 26 months: €1,181.17 rate · balance €17,781.17After 27 months: €1,228.63 rate · balance €17,828.63After 28 months: €1,276.08 rate · balance €17,876.08After 29 months: €1,323.54 rate · balance €17,923.54After 30 months: €1,371.00 rate · balance €17,971.00After 31 months: €1,418.46 rate · balance €18,018.46After 32 months: €1,465.92 rate · balance €18,065.92After 33 months: €1,513.37 rate · balance €18,113.37After 34 months: €1,560.83 rate · balance €18,160.83After 35 months: €1,608.29 rate · balance €18,208.29After 36 months: €1,655.75 rate · balance €18,255.75After 37 months: €1,704.73 rate · balance €18,304.73After 38 months: €1,753.72 rate · balance €18,353.72After 39 months: €1,802.71 rate · balance €18,402.71After 40 months: €1,851.69 rate · balance €18,451.69After 41 months: €1,900.68 rate · balance €18,500.68After 42 months: €1,949.67 rate · balance €18,549.67After 43 months: €1,998.65 rate · balance €18,598.65After 44 months: €2,047.64 rate · balance €18,647.64After 45 months: €2,096.62 rate · balance €18,696.62After 46 months: €2,145.61 rate · balance €18,745.61After 47 months: €2,194.60 rate · balance €18,794.60After 48 months: €2,243.58 rate · balance €18,843.58
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,244After 1 month: €44.54 rate · balance €16,644.54After 2 months: €89.09 rate · balance €16,689.09After 3 months: €133.63 rate · balance €16,733.63After 4 months: €178.17 rate · balance €16,778.17After 5 months: €222.72 rate · balance €16,822.72After 6 months: €267.26 rate · balance €16,867.26After 7 months: €311.80 rate · balance €16,911.80After 8 months: €356.35 rate · balance €16,956.35After 9 months: €400.89 rate · balance €17,000.89After 10 months: €445.43 rate · balance €17,045.43After 11 months: €489.98 rate · balance €17,089.98After 12 months: €534.52 rate · balance €17,134.52After 13 months: €580.50 rate · balance €17,180.50After 14 months: €626.47 rate · balance €17,226.47After 15 months: €672.45 rate · balance €17,272.45After 16 months: €718.43 rate · balance €17,318.43After 17 months: €764.41 rate · balance €17,364.41After 18 months: €810.39 rate · balance €17,410.39After 19 months: €856.36 rate · balance €17,456.36After 20 months: €902.34 rate · balance €17,502.34After 21 months: €948.32 rate · balance €17,548.32After 22 months: €994.30 rate · balance €17,594.30After 23 months: €1,040.27 rate · balance €17,640.27After 24 months: €1,086.25 rate · balance €17,686.25After 25 months: €1,133.71 rate · balance €17,733.71After 26 months: €1,181.17 rate · balance €17,781.17After 27 months: €1,228.63 rate · balance €17,828.63After 28 months: €1,276.08 rate · balance €17,876.08After 29 months: €1,323.54 rate · balance €17,923.54After 30 months: €1,371.00 rate · balance €17,971.00After 31 months: €1,418.46 rate · balance €18,018.46After 32 months: €1,465.92 rate · balance €18,065.92After 33 months: €1,513.37 rate · balance €18,113.37After 34 months: €1,560.83 rate · balance €18,160.83After 35 months: €1,608.29 rate · balance €18,208.29After 36 months: €1,655.75 rate · balance €18,255.75After 37 months: €1,704.73 rate · balance €18,304.73After 38 months: €1,753.72 rate · balance €18,353.72After 39 months: €1,802.71 rate · balance €18,402.71After 40 months: €1,851.69 rate · balance €18,451.69After 41 months: €1,900.68 rate · balance €18,500.68After 42 months: €1,949.67 rate · balance €18,549.67After 43 months: €1,998.65 rate · balance €18,598.65After 44 months: €2,047.64 rate · balance €18,647.64After 45 months: €2,096.62 rate · balance €18,696.62After 46 months: €2,145.61 rate · balance €18,745.61After 47 months: €2,194.60 rate · balance €18,794.60After 48 months: €2,243.58 rate · balance €18,843.58
Per year
AfterInterest up to thenBalance
1 year€535€17,135
2 years€1,086€17,686
3 years€1,656€18,256
4 years€2,244€18,844

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

From
Rate
Until
17 Sep 20263.22%current
2 Sep 20263.17%17 Sep 2026

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

  • 17 Sep 2026HoistSpar – Termijndeposito (48 mo): 3.17% → 3.22%
  • 2 Sep 2026New: HoistSpar – Termijndeposito (48 mo) 3.17%

Rate checked on 18 Sep 2026.