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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 €25,000
€853
per year, annualised · €4,563 total over 5 years
Deposit guarantee
€25,000 fully protected
Swedish scheme

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

Your calculation for €25,000

Gross interest over 5 years: €4,563.
Interest built up over 5 years
€ 0€ 2k€ 4kstart2 yrs4 yrs€4,563

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

€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-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 1 month: €71.04 rate · balance €25,071.04After 2 months: €142.08 rate · balance €25,142.08After 3 months: €213.13 rate · balance €25,213.13After 4 months: €284.17 rate · balance €25,284.17After 5 months: €355.21 rate · balance €25,355.21After 6 months: €426.25 rate · balance €25,426.25After 7 months: €497.29 rate · balance €25,497.29After 8 months: €568.33 rate · balance €25,568.33After 9 months: €639.38 rate · balance €25,639.38After 10 months: €710.42 rate · balance €25,710.42After 11 months: €781.46 rate · balance €25,781.46After 12 months: €852.50 rate · balance €25,852.50After 13 months: €925.96 rate · balance €25,925.96After 14 months: €999.43 rate · balance €25,999.43After 15 months: €1,072.89 rate · balance €26,072.89After 16 months: €1,146.36 rate · balance €26,146.36After 17 months: €1,219.82 rate · balance €26,219.82After 18 months: €1,293.29 rate · balance €26,293.29After 19 months: €1,366.75 rate · balance €26,366.75After 20 months: €1,440.21 rate · balance €26,440.21After 21 months: €1,513.68 rate · balance €26,513.68After 22 months: €1,587.14 rate · balance €26,587.14After 23 months: €1,660.61 rate · balance €26,660.61After 24 months: €1,734.07 rate · balance €26,734.07After 25 months: €1,810.04 rate · balance €26,810.04After 26 months: €1,886.01 rate · balance €26,886.01After 27 months: €1,961.98 rate · balance €26,961.98After 28 months: €2,037.95 rate · balance €27,037.95After 29 months: €2,113.92 rate · balance €27,113.92After 30 months: €2,189.89 rate · balance €27,189.89After 31 months: €2,265.86 rate · balance €27,265.86After 32 months: €2,341.83 rate · balance €27,341.83After 33 months: €2,417.79 rate · balance €27,417.79After 34 months: €2,493.76 rate · balance €27,493.76After 35 months: €2,569.73 rate · balance €27,569.73After 36 months: €2,645.70 rate · balance €27,645.70After 37 months: €2,724.26 rate · balance €27,724.26After 38 months: €2,802.82 rate · balance €27,802.82After 39 months: €2,881.38 rate · balance €27,881.38After 40 months: €2,959.94 rate · balance €27,959.94After 41 months: €3,038.50 rate · balance €28,038.50After 42 months: €3,117.06 rate · balance €28,117.06After 43 months: €3,195.62 rate · balance €28,195.62After 44 months: €3,274.18 rate · balance €28,274.18After 45 months: €3,352.74 rate · balance €28,352.74After 46 months: €3,431.30 rate · balance €28,431.30After 47 months: €3,509.86 rate · balance €28,509.86After 48 months: €3,588.42 rate · balance €28,588.42After 49 months: €3,669.66 rate · balance €28,669.66After 50 months: €3,750.90 rate · balance €28,750.90After 51 months: €3,832.14 rate · balance €28,832.14After 52 months: €3,913.38 rate · balance €28,913.38After 53 months: €3,994.62 rate · balance €28,994.62After 54 months: €4,075.85 rate · balance €29,075.85After 55 months: €4,157.09 rate · balance €29,157.09After 56 months: €4,238.33 rate · balance €29,238.33After 57 months: €4,319.57 rate · balance €29,319.57After 58 months: €4,400.81 rate · balance €29,400.81After 59 months: €4,482.05 rate · balance €29,482.05After 60 months: €4,563.29 rate · balance €29,563.29
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs€4,563After 1 month: €71.04 rate · balance €25,071.04After 2 months: €142.08 rate · balance €25,142.08After 3 months: €213.13 rate · balance €25,213.13After 4 months: €284.17 rate · balance €25,284.17After 5 months: €355.21 rate · balance €25,355.21After 6 months: €426.25 rate · balance €25,426.25After 7 months: €497.29 rate · balance €25,497.29After 8 months: €568.33 rate · balance €25,568.33After 9 months: €639.38 rate · balance €25,639.38After 10 months: €710.42 rate · balance €25,710.42After 11 months: €781.46 rate · balance €25,781.46After 12 months: €852.50 rate · balance €25,852.50After 13 months: €925.96 rate · balance €25,925.96After 14 months: €999.43 rate · balance €25,999.43After 15 months: €1,072.89 rate · balance €26,072.89After 16 months: €1,146.36 rate · balance €26,146.36After 17 months: €1,219.82 rate · balance €26,219.82After 18 months: €1,293.29 rate · balance €26,293.29After 19 months: €1,366.75 rate · balance €26,366.75After 20 months: €1,440.21 rate · balance €26,440.21After 21 months: €1,513.68 rate · balance €26,513.68After 22 months: €1,587.14 rate · balance €26,587.14After 23 months: €1,660.61 rate · balance €26,660.61After 24 months: €1,734.07 rate · balance €26,734.07After 25 months: €1,810.04 rate · balance €26,810.04After 26 months: €1,886.01 rate · balance €26,886.01After 27 months: €1,961.98 rate · balance €26,961.98After 28 months: €2,037.95 rate · balance €27,037.95After 29 months: €2,113.92 rate · balance €27,113.92After 30 months: €2,189.89 rate · balance €27,189.89After 31 months: €2,265.86 rate · balance €27,265.86After 32 months: €2,341.83 rate · balance €27,341.83After 33 months: €2,417.79 rate · balance €27,417.79After 34 months: €2,493.76 rate · balance €27,493.76After 35 months: €2,569.73 rate · balance €27,569.73After 36 months: €2,645.70 rate · balance €27,645.70After 37 months: €2,724.26 rate · balance €27,724.26After 38 months: €2,802.82 rate · balance €27,802.82After 39 months: €2,881.38 rate · balance €27,881.38After 40 months: €2,959.94 rate · balance €27,959.94After 41 months: €3,038.50 rate · balance €28,038.50After 42 months: €3,117.06 rate · balance €28,117.06After 43 months: €3,195.62 rate · balance €28,195.62After 44 months: €3,274.18 rate · balance €28,274.18After 45 months: €3,352.74 rate · balance €28,352.74After 46 months: €3,431.30 rate · balance €28,431.30After 47 months: €3,509.86 rate · balance €28,509.86After 48 months: €3,588.42 rate · balance €28,588.42After 49 months: €3,669.66 rate · balance €28,669.66After 50 months: €3,750.90 rate · balance €28,750.90After 51 months: €3,832.14 rate · balance €28,832.14After 52 months: €3,913.38 rate · balance €28,913.38After 53 months: €3,994.62 rate · balance €28,994.62After 54 months: €4,075.85 rate · balance €29,075.85After 55 months: €4,157.09 rate · balance €29,157.09After 56 months: €4,238.33 rate · balance €29,238.33After 57 months: €4,319.57 rate · balance €29,319.57After 58 months: €4,400.81 rate · balance €29,400.81After 59 months: €4,482.05 rate · balance €29,482.05After 60 months: €4,563.29 rate · balance €29,563.29
Per year
AfterInterest up to thenBalance
1 year€853€25,853
2 years€1,734€26,734
3 years€2,646€27,646
4 years€3,588€28,588
5 years€4,563€29,563

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.