HoistSparTermijndeposito
Deposit · 4 years · Hoist Finance AB (publ) · Sweden · via Raisin
- Rate
- 3.52%
- 4 years fixed
- since 27 Oct 2026
- Your return on €25,000
- €880
- per year, annualised · €3,710 total over 4 years
- Deposit guarantee
- €25,000 fully protectedSwedish scheme
Hoist Finance AB (publ) · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Your calculation for €25,000
Gross interest over 4 years: €3,710.
Interest built up over 4 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €880 | €25,880 |
| 2 years | €1,791 | €26,791 |
| 3 years | €2,734 | €27,734 |
| 4 years | €3,710 | €28,710 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.52% |
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 27 Oct 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
€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-disclosuresource ↗ · 2 Nov 2026
details
Riksgälden
Taxes
- Country
- Sweden
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Sweden withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 27 Oct 2026 | 3.52% | current |
| 13 Oct 2026 | 3.42% | 27 Oct 2026 |
| 17 Sep 2026 | 3.22% | 13 Oct 2026 |
| 2 Sep 2026 | 3.17% | 17 Sep 2026 |
All historic rates of HoistSpar →All savings products of HoistSpar →
- 27 Oct 2026HoistSpar – Termijndeposito (48 mo): 3.42% → 3.52%
- 13 Oct 2026HoistSpar – Termijndeposito (48 mo): 3.22% → 3.42%
- 17 Sep 2026HoistSpar – Termijndeposito (48 mo): 3.17% → 3.22%
- 2 Sep 2026New: HoistSpar – Termijndeposito (48 mo) 3.17%
Rate checked on 2 Nov 2026.