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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 €16,800
€541
per year, annualised · €2,271 total over 4 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 4 years: €2,271.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,271After 1 month: €45.08 rate · balance €16,845.08After 2 months: €90.16 rate · balance €16,890.16

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

€16,800 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 2026now3.22%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: €135.24 rate · balance €16,935.24After 4 months: €180.32 rate · balance €16,980.32After 5 months: €225.40 rate · balance €17,025.40After 6 months: €270.48 rate · balance €17,070.48After 7 months: €315.56 rate · balance €17,115.56After 8 months: €360.64 rate · balance €17,160.64After 9 months: €405.72 rate · balance €17,205.72After 10 months: €450.80 rate · balance €17,250.80After 11 months: €495.88 rate · balance €17,295.88After 12 months: €540.96 rate · balance €17,340.96After 13 months: €587.49 rate · balance €17,387.49After 14 months: €634.02 rate · balance €17,434.02After 15 months: €680.55 rate · balance €17,480.55After 16 months: €727.09 rate · balance €17,527.09After 17 months: €773.62 rate · balance €17,573.62After 18 months: €820.15 rate · balance €17,620.15After 19 months: €866.68 rate · balance €17,666.68After 20 months: €913.21 rate · balance €17,713.21After 21 months: €959.74 rate · balance €17,759.74After 22 months: €1,006.28 rate · balance €17,806.28After 23 months: €1,052.81 rate · balance €17,852.81After 24 months: €1,099.34 rate · balance €17,899.34After 25 months: €1,147.37 rate · balance €17,947.37After 26 months: €1,195.40 rate · balance €17,995.40After 27 months: €1,243.43 rate · balance €18,043.43After 28 months: €1,291.46 rate · balance €18,091.46After 29 months: €1,339.49 rate · balance €18,139.49After 30 months: €1,387.52 rate · balance €18,187.52After 31 months: €1,435.55 rate · balance €18,235.55After 32 months: €1,483.58 rate · balance €18,283.58After 33 months: €1,531.61 rate · balance €18,331.61After 34 months: €1,579.64 rate · balance €18,379.64After 35 months: €1,627.67 rate · balance €18,427.67After 36 months: €1,675.70 rate · balance €18,475.70After 37 months: €1,725.27 rate · balance €18,525.27After 38 months: €1,774.85 rate · balance €18,574.85After 39 months: €1,824.43 rate · balance €18,624.43After 40 months: €1,874.00 rate · balance €18,674.00After 41 months: €1,923.58 rate · balance €18,723.58After 42 months: €1,973.16 rate · balance €18,773.16After 43 months: €2,022.73 rate · balance €18,822.73After 44 months: €2,072.31 rate · balance €18,872.31After 45 months: €2,121.89 rate · balance €18,921.89After 46 months: €2,171.46 rate · balance €18,971.46After 47 months: €2,221.04 rate · balance €19,021.04After 48 months: €2,270.62 rate · balance €19,070.62
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,271After 1 month: €45.08 rate · balance €16,845.08After 2 months: €90.16 rate · balance €16,890.16After 3 months: €135.24 rate · balance €16,935.24After 4 months: €180.32 rate · balance €16,980.32After 5 months: €225.40 rate · balance €17,025.40After 6 months: €270.48 rate · balance €17,070.48After 7 months: €315.56 rate · balance €17,115.56After 8 months: €360.64 rate · balance €17,160.64After 9 months: €405.72 rate · balance €17,205.72After 10 months: €450.80 rate · balance €17,250.80After 11 months: €495.88 rate · balance €17,295.88After 12 months: €540.96 rate · balance €17,340.96After 13 months: €587.49 rate · balance €17,387.49After 14 months: €634.02 rate · balance €17,434.02After 15 months: €680.55 rate · balance €17,480.55After 16 months: €727.09 rate · balance €17,527.09After 17 months: €773.62 rate · balance €17,573.62After 18 months: €820.15 rate · balance €17,620.15After 19 months: €866.68 rate · balance €17,666.68After 20 months: €913.21 rate · balance €17,713.21After 21 months: €959.74 rate · balance €17,759.74After 22 months: €1,006.28 rate · balance €17,806.28After 23 months: €1,052.81 rate · balance €17,852.81After 24 months: €1,099.34 rate · balance €17,899.34After 25 months: €1,147.37 rate · balance €17,947.37After 26 months: €1,195.40 rate · balance €17,995.40After 27 months: €1,243.43 rate · balance €18,043.43After 28 months: €1,291.46 rate · balance €18,091.46After 29 months: €1,339.49 rate · balance €18,139.49After 30 months: €1,387.52 rate · balance €18,187.52After 31 months: €1,435.55 rate · balance €18,235.55After 32 months: €1,483.58 rate · balance €18,283.58After 33 months: €1,531.61 rate · balance €18,331.61After 34 months: €1,579.64 rate · balance €18,379.64After 35 months: €1,627.67 rate · balance €18,427.67After 36 months: €1,675.70 rate · balance €18,475.70After 37 months: €1,725.27 rate · balance €18,525.27After 38 months: €1,774.85 rate · balance €18,574.85After 39 months: €1,824.43 rate · balance €18,624.43After 40 months: €1,874.00 rate · balance €18,674.00After 41 months: €1,923.58 rate · balance €18,723.58After 42 months: €1,973.16 rate · balance €18,773.16After 43 months: €2,022.73 rate · balance €18,822.73After 44 months: €2,072.31 rate · balance €18,872.31After 45 months: €2,121.89 rate · balance €18,921.89After 46 months: €2,171.46 rate · balance €18,971.46After 47 months: €2,221.04 rate · balance €19,021.04After 48 months: €2,270.62 rate · balance €19,070.62
Per year
AfterInterest up to thenBalance
1 year€541€17,341
2 years€1,099€17,899
3 years€1,676€18,476
4 years€2,271€19,071

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.