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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 €16,800
€573
per year, annualised · €3,067 total over 5 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 5 years: €3,067.
Interest built up over 5 years
€ 0€ 2kstart2 yrs4 yrs€3,067After 1 month: €47.74 rate · balance €16,847.74

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

€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

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: €95.48 rate · balance €16,895.48After 3 months: €143.22 rate · balance €16,943.22After 4 months: €190.96 rate · balance €16,990.96After 5 months: €238.70 rate · balance €17,038.70After 6 months: €286.44 rate · balance €17,086.44After 7 months: €334.18 rate · balance €17,134.18After 8 months: €381.92 rate · balance €17,181.92After 9 months: €429.66 rate · balance €17,229.66After 10 months: €477.40 rate · balance €17,277.40After 11 months: €525.14 rate · balance €17,325.14After 12 months: €572.88 rate · balance €17,372.88After 13 months: €622.25 rate · balance €17,422.25After 14 months: €671.62 rate · balance €17,471.62After 15 months: €720.98 rate · balance €17,520.98After 16 months: €770.35 rate · balance €17,570.35After 17 months: €819.72 rate · balance €17,619.72After 18 months: €869.09 rate · balance €17,669.09After 19 months: €918.46 rate · balance €17,718.46After 20 months: €967.82 rate · balance €17,767.82After 21 months: €1,017.19 rate · balance €17,817.19After 22 months: €1,066.56 rate · balance €17,866.56After 23 months: €1,115.93 rate · balance €17,915.93After 24 months: €1,165.29 rate · balance €17,965.29After 25 months: €1,216.35 rate · balance €18,016.35After 26 months: €1,267.40 rate · balance €18,067.40After 27 months: €1,318.45 rate · balance €18,118.45After 28 months: €1,369.50 rate · balance €18,169.50After 29 months: €1,420.55 rate · balance €18,220.55After 30 months: €1,471.60 rate · balance €18,271.60After 31 months: €1,522.65 rate · balance €18,322.65After 32 months: €1,573.71 rate · balance €18,373.71After 33 months: €1,624.76 rate · balance €18,424.76After 34 months: €1,675.81 rate · balance €18,475.81After 35 months: €1,726.86 rate · balance €18,526.86After 36 months: €1,777.91 rate · balance €18,577.91After 37 months: €1,830.70 rate · balance €18,630.70After 38 months: €1,883.50 rate · balance €18,683.50After 39 months: €1,936.29 rate · balance €18,736.29After 40 months: €1,989.08 rate · balance €18,789.08After 41 months: €2,041.87 rate · balance €18,841.87After 42 months: €2,094.66 rate · balance €18,894.66After 43 months: €2,147.46 rate · balance €18,947.46After 44 months: €2,200.25 rate · balance €19,000.25After 45 months: €2,253.04 rate · balance €19,053.04After 46 months: €2,305.83 rate · balance €19,105.83After 47 months: €2,358.63 rate · balance €19,158.63After 48 months: €2,411.42 rate · balance €19,211.42After 49 months: €2,466.01 rate · balance €19,266.01After 50 months: €2,520.60 rate · balance €19,320.60After 51 months: €2,575.20 rate · balance €19,375.20After 52 months: €2,629.79 rate · balance €19,429.79After 53 months: €2,684.38 rate · balance €19,484.38After 54 months: €2,738.97 rate · balance €19,538.97After 55 months: €2,793.56 rate · balance €19,593.56After 56 months: €2,848.16 rate · balance €19,648.16After 57 months: €2,902.75 rate · balance €19,702.75After 58 months: €2,957.34 rate · balance €19,757.34After 59 months: €3,011.93 rate · balance €19,811.93After 60 months: €3,066.53 rate · balance €19,866.53
€ 0€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs€3,067After 1 month: €47.74 rate · balance €16,847.74After 2 months: €95.48 rate · balance €16,895.48After 3 months: €143.22 rate · balance €16,943.22After 4 months: €190.96 rate · balance €16,990.96After 5 months: €238.70 rate · balance €17,038.70After 6 months: €286.44 rate · balance €17,086.44After 7 months: €334.18 rate · balance €17,134.18After 8 months: €381.92 rate · balance €17,181.92After 9 months: €429.66 rate · balance €17,229.66After 10 months: €477.40 rate · balance €17,277.40After 11 months: €525.14 rate · balance €17,325.14After 12 months: €572.88 rate · balance €17,372.88After 13 months: €622.25 rate · balance €17,422.25After 14 months: €671.62 rate · balance €17,471.62After 15 months: €720.98 rate · balance €17,520.98After 16 months: €770.35 rate · balance €17,570.35After 17 months: €819.72 rate · balance €17,619.72After 18 months: €869.09 rate · balance €17,669.09After 19 months: €918.46 rate · balance €17,718.46After 20 months: €967.82 rate · balance €17,767.82After 21 months: €1,017.19 rate · balance €17,817.19After 22 months: €1,066.56 rate · balance €17,866.56After 23 months: €1,115.93 rate · balance €17,915.93After 24 months: €1,165.29 rate · balance €17,965.29After 25 months: €1,216.35 rate · balance €18,016.35After 26 months: €1,267.40 rate · balance €18,067.40After 27 months: €1,318.45 rate · balance €18,118.45After 28 months: €1,369.50 rate · balance €18,169.50After 29 months: €1,420.55 rate · balance €18,220.55After 30 months: €1,471.60 rate · balance €18,271.60After 31 months: €1,522.65 rate · balance €18,322.65After 32 months: €1,573.71 rate · balance €18,373.71After 33 months: €1,624.76 rate · balance €18,424.76After 34 months: €1,675.81 rate · balance €18,475.81After 35 months: €1,726.86 rate · balance €18,526.86After 36 months: €1,777.91 rate · balance €18,577.91After 37 months: €1,830.70 rate · balance €18,630.70After 38 months: €1,883.50 rate · balance €18,683.50After 39 months: €1,936.29 rate · balance €18,736.29After 40 months: €1,989.08 rate · balance €18,789.08After 41 months: €2,041.87 rate · balance €18,841.87After 42 months: €2,094.66 rate · balance €18,894.66After 43 months: €2,147.46 rate · balance €18,947.46After 44 months: €2,200.25 rate · balance €19,000.25After 45 months: €2,253.04 rate · balance €19,053.04After 46 months: €2,305.83 rate · balance €19,105.83After 47 months: €2,358.63 rate · balance €19,158.63After 48 months: €2,411.42 rate · balance €19,211.42After 49 months: €2,466.01 rate · balance €19,266.01After 50 months: €2,520.60 rate · balance €19,320.60After 51 months: €2,575.20 rate · balance €19,375.20After 52 months: €2,629.79 rate · balance €19,429.79After 53 months: €2,684.38 rate · balance €19,484.38After 54 months: €2,738.97 rate · balance €19,538.97After 55 months: €2,793.56 rate · balance €19,593.56After 56 months: €2,848.16 rate · balance €19,648.16After 57 months: €2,902.75 rate · balance €19,702.75After 58 months: €2,957.34 rate · balance €19,757.34After 59 months: €3,011.93 rate · balance €19,811.93After 60 months: €3,066.53 rate · balance €19,866.53
Per year
AfterInterest up to thenBalance
1 year€573€17,373
2 years€1,165€17,965
3 years€1,778€18,578
4 years€2,411€19,211
5 years€3,067€19,867

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.