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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 · 5 years · Hoist Finance AB (publ) · Sweden · via Raisin
Open an account at HoistSpar
Rate
3.41%
5 years fixed
since 17 Sep 2026
Your return on €10,000
€341
per year, annualised · €1,825 total over 5 years
Deposit guarantee
€10,000 fully protected
Swedish scheme

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

Your calculation for €10,000

Gross interest over 5 years: €1,825.
Interest built up over 5 years
€ 0€ 1kstart2 yrs4 yrs€1,825After 1 month: €28.42 rate · balance €10,028.42

Rate and conditions

BalanceRate
€0 – and up3.41%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
17 Sep 2026
Access
5 years fixed · no early withdrawal
Term
5 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

€10,000 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

3.00%3.25%3.50%3.75%2 Sep 202610 Sep 2026now3.41%3.40% from 2 Sep 2026 until 17 Sep 20263.41% from 17 Sep 2026 until now
3.00%3.25%3.50%3.75%2 Sep 202610 Sep 2026now3.41%3.40% from 2 Sep 2026 until 17 Sep 20263.41% from 17 Sep 2026 until now

Other offers from HoistSpar

1 year · 1.00% · Raisin2 years · 2.00% · Raisin3 years · 3.13% · Raisin4 years · 3.22% · Raisin
After 2 months: €56.83 rate · balance €10,056.83After 3 months: €85.25 rate · balance €10,085.25After 4 months: €113.67 rate · balance €10,113.67After 5 months: €142.08 rate · balance €10,142.08After 6 months: €170.50 rate · balance €10,170.50After 7 months: €198.92 rate · balance €10,198.92After 8 months: €227.33 rate · balance €10,227.33After 9 months: €255.75 rate · balance €10,255.75After 10 months: €284.17 rate · balance €10,284.17After 11 months: €312.58 rate · balance €10,312.58After 12 months: €341.00 rate · balance €10,341.00After 13 months: €370.39 rate · balance €10,370.39After 14 months: €399.77 rate · balance €10,399.77After 15 months: €429.16 rate · balance €10,429.16After 16 months: €458.54 rate · balance €10,458.54After 17 months: €487.93 rate · balance €10,487.93After 18 months: €517.31 rate · balance €10,517.31After 19 months: €546.70 rate · balance €10,546.70After 20 months: €576.09 rate · balance €10,576.09After 21 months: €605.47 rate · balance €10,605.47After 22 months: €634.86 rate · balance €10,634.86After 23 months: €664.24 rate · balance €10,664.24After 24 months: €693.63 rate · balance €10,693.63After 25 months: €724.02 rate · balance €10,724.02After 26 months: €754.40 rate · balance €10,754.40After 27 months: €784.79 rate · balance €10,784.79After 28 months: €815.18 rate · balance €10,815.18After 29 months: €845.57 rate · balance €10,845.57After 30 months: €875.96 rate · balance €10,875.95After 31 months: €906.34 rate · balance €10,906.34After 32 months: €936.73 rate · balance €10,936.73After 33 months: €967.12 rate · balance €10,967.12After 34 months: €997.51 rate · balance €10,997.51After 35 months: €1,027.89 rate · balance €11,027.89After 36 months: €1,058.28 rate · balance €11,058.28After 37 months: €1,089.71 rate · balance €11,089.71After 38 months: €1,121.13 rate · balance €11,121.13After 39 months: €1,152.55 rate · balance €11,152.55After 40 months: €1,183.98 rate · balance €11,183.98After 41 months: €1,215.40 rate · balance €11,215.40After 42 months: €1,246.82 rate · balance €11,246.82After 43 months: €1,278.25 rate · balance €11,278.25After 44 months: €1,309.67 rate · balance €11,309.67After 45 months: €1,341.10 rate · balance €11,341.10After 46 months: €1,372.52 rate · balance €11,372.52After 47 months: €1,403.94 rate · balance €11,403.94After 48 months: €1,435.37 rate · balance €11,435.37After 49 months: €1,467.86 rate · balance €11,467.86After 50 months: €1,500.36 rate · balance €11,500.36After 51 months: €1,532.85 rate · balance €11,532.85After 52 months: €1,565.35 rate · balance €11,565.35After 53 months: €1,597.85 rate · balance €11,597.85After 54 months: €1,630.34 rate · balance €11,630.34After 55 months: €1,662.84 rate · balance €11,662.84After 56 months: €1,695.33 rate · balance €11,695.33After 57 months: €1,727.83 rate · balance €11,727.83After 58 months: €1,760.32 rate · balance €11,760.32After 59 months: €1,792.82 rate · balance €11,792.82After 60 months: €1,825.31 rate · balance €11,825.31
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs5 yrs€1,825After 1 month: €28.42 rate · balance €10,028.42After 2 months: €56.83 rate · balance €10,056.83After 3 months: €85.25 rate · balance €10,085.25After 4 months: €113.67 rate · balance €10,113.67After 5 months: €142.08 rate · balance €10,142.08After 6 months: €170.50 rate · balance €10,170.50After 7 months: €198.92 rate · balance €10,198.92After 8 months: €227.33 rate · balance €10,227.33After 9 months: €255.75 rate · balance €10,255.75After 10 months: €284.17 rate · balance €10,284.17After 11 months: €312.58 rate · balance €10,312.58After 12 months: €341.00 rate · balance €10,341.00After 13 months: €370.39 rate · balance €10,370.39After 14 months: €399.77 rate · balance €10,399.77After 15 months: €429.16 rate · balance €10,429.16After 16 months: €458.54 rate · balance €10,458.54After 17 months: €487.93 rate · balance €10,487.93After 18 months: €517.31 rate · balance €10,517.31After 19 months: €546.70 rate · balance €10,546.70After 20 months: €576.09 rate · balance €10,576.09After 21 months: €605.47 rate · balance €10,605.47After 22 months: €634.86 rate · balance €10,634.86After 23 months: €664.24 rate · balance €10,664.24After 24 months: €693.63 rate · balance €10,693.63After 25 months: €724.02 rate · balance €10,724.02After 26 months: €754.40 rate · balance €10,754.40After 27 months: €784.79 rate · balance €10,784.79After 28 months: €815.18 rate · balance €10,815.18After 29 months: €845.57 rate · balance €10,845.57After 30 months: €875.96 rate · balance €10,875.95After 31 months: €906.34 rate · balance €10,906.34After 32 months: €936.73 rate · balance €10,936.73After 33 months: €967.12 rate · balance €10,967.12After 34 months: €997.51 rate · balance €10,997.51After 35 months: €1,027.89 rate · balance €11,027.89After 36 months: €1,058.28 rate · balance €11,058.28After 37 months: €1,089.71 rate · balance €11,089.71After 38 months: €1,121.13 rate · balance €11,121.13After 39 months: €1,152.55 rate · balance €11,152.55After 40 months: €1,183.98 rate · balance €11,183.98After 41 months: €1,215.40 rate · balance €11,215.40After 42 months: €1,246.82 rate · balance €11,246.82After 43 months: €1,278.25 rate · balance €11,278.25After 44 months: €1,309.67 rate · balance €11,309.67After 45 months: €1,341.10 rate · balance €11,341.10After 46 months: €1,372.52 rate · balance €11,372.52After 47 months: €1,403.94 rate · balance €11,403.94After 48 months: €1,435.37 rate · balance €11,435.37After 49 months: €1,467.86 rate · balance €11,467.86After 50 months: €1,500.36 rate · balance €11,500.36After 51 months: €1,532.85 rate · balance €11,532.85After 52 months: €1,565.35 rate · balance €11,565.35After 53 months: €1,597.85 rate · balance €11,597.85After 54 months: €1,630.34 rate · balance €11,630.34After 55 months: €1,662.84 rate · balance €11,662.84After 56 months: €1,695.33 rate · balance €11,695.33After 57 months: €1,727.83 rate · balance €11,727.83After 58 months: €1,760.32 rate · balance €11,760.32After 59 months: €1,792.82 rate · balance €11,792.82After 60 months: €1,825.31 rate · balance €11,825.31
Per year
AfterInterest up to thenBalance
1 year€341€10,341
2 years€694€10,694
3 years€1,058€11,058
4 years€1,435€11,435
5 years€1,825€11,825

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

From
Rate
Until
17 Sep 20263.41%current
2 Sep 20263.40%17 Sep 2026

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

  • 17 Sep 2026HoistSpar – Termijndeposito (60 mo): 3.40% → 3.41%
  • 2 Sep 2026New: HoistSpar – Termijndeposito (60 mo) 3.40%

Rate checked on 18 Sep 2026.