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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 Inbank
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InbankTermijndeposito

Deposit · 4 years · Inbank AS · Estonia · via Raisin
Open an account at Inbank
Rate
3.21%
4 years fixed
since 14 Sep 2026
Your return on €25,000
€803
per year, annualised · €3,368 total over 4 years
Deposit guarantee
€25,000 fully protected
Estonian scheme

Inbank AS · Tagatisfond – Hoiuste tagamise osafond · €100,000 per person per bank

Your calculation for €25,000

Gross interest over 4 years: €3,368.
Interest built up over 4 years
€ 0€ 2kstart2 yrs4 yrs€3,368After 1 month: €66.88 rate · balance €25,066.88After 2 months: €133.75 rate · balance €25,133.75After 3 months: €200.63 rate · balance €25,200.63After 4 months: €267.50 rate · balance €25,267.50

Rate and conditions

BalanceRate
€0 – and up3.21%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
14 Sep 2026
Access
4 years fixed · no early withdrawal
Term
4 years
Minimum deposit
€500
Maximum deposit
€100,000
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
Estonian scheme

Inbank AS · Tagatisfond – Hoiuste tagamise osafond · €100,000 per person per bank

Licence and verification
Institution
Inbank AS
Status
Verified European deposit guarantee scheme
Scheme
Tagatisfond – Hoiuste tagamise osafond (Estonia)
Guarantee
€100,000 per person per institution
Verification
Raisin wettelijke DGS-disclosure
detailsTagatisfond ("TF")
source ↗ · 18 Sep 2026
Taxes
Country
Estonia
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Estland heft geen bronbelasting op spaarrente van niet-ingezetenen.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Read on:

Rate history

2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.21%3.06% from 2 Sep 2026 until 14 Sep 20263.21% from 14 Sep 2026 until now
2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now3.21%3.06% from 2 Sep 2026 until 14 Sep 20263.21% from 14 Sep 2026 until now

Other offers from Inbank

Instant access · 2.20% · Raisin6 months · 2.51% · Raisin1 year · 2.53% · Raisin2 years · 3.36% · Raisin3 years · 3.19% · Raisin5 years · 3.41% · Raisin
After 5 months: €334.38 rate · balance €25,334.38After 6 months: €401.25 rate · balance €25,401.25After 7 months: €468.13 rate · balance €25,468.13After 8 months: €535 rate · balance €25,535After 9 months: €601.88 rate · balance €25,601.88After 10 months: €668.75 rate · balance €25,668.75After 11 months: €735.63 rate · balance €25,735.63After 12 months: €802.50 rate · balance €25,802.50After 13 months: €871.52 rate · balance €25,871.52After 14 months: €940.54 rate · balance €25,940.54After 15 months: €1,009.57 rate · balance €26,009.57After 16 months: €1,078.59 rate · balance €26,078.59After 17 months: €1,147.61 rate · balance €26,147.61After 18 months: €1,216.63 rate · balance €26,216.63After 19 months: €1,285.65 rate · balance €26,285.65After 20 months: €1,354.67 rate · balance €26,354.67After 21 months: €1,423.70 rate · balance €26,423.70After 22 months: €1,492.72 rate · balance €26,492.72After 23 months: €1,561.74 rate · balance €26,561.74After 24 months: €1,630.76 rate · balance €26,630.76After 25 months: €1,702.00 rate · balance €26,702.00After 26 months: €1,773.24 rate · balance €26,773.24After 27 months: €1,844.47 rate · balance €26,844.47After 28 months: €1,915.71 rate · balance €26,915.71After 29 months: €1,986.95 rate · balance €26,986.95After 30 months: €2,058.18 rate · balance €27,058.18After 31 months: €2,129.42 rate · balance €27,129.42After 32 months: €2,200.66 rate · balance €27,200.66After 33 months: €2,271.90 rate · balance €27,271.90After 34 months: €2,343.13 rate · balance €27,343.13After 35 months: €2,414.37 rate · balance €27,414.37After 36 months: €2,485.61 rate · balance €27,485.61After 37 months: €2,559.13 rate · balance €27,559.13After 38 months: €2,632.66 rate · balance €27,632.66After 39 months: €2,706.18 rate · balance €27,706.18After 40 months: €2,779.70 rate · balance €27,779.70After 41 months: €2,853.23 rate · balance €27,853.23After 42 months: €2,926.75 rate · balance €27,926.75After 43 months: €3,000.28 rate · balance €28,000.28After 44 months: €3,073.80 rate · balance €28,073.80After 45 months: €3,147.32 rate · balance €28,147.32After 46 months: €3,220.85 rate · balance €28,220.85After 47 months: €3,294.37 rate · balance €28,294.37After 48 months: €3,367.90 rate · balance €28,367.90
€ 0€ 2kstart1 yr2 yrs3 yrs4 yrs€3,368After 1 month: €66.88 rate · balance €25,066.88After 2 months: €133.75 rate · balance €25,133.75After 3 months: €200.63 rate · balance €25,200.63After 4 months: €267.50 rate · balance €25,267.50After 5 months: €334.38 rate · balance €25,334.38After 6 months: €401.25 rate · balance €25,401.25After 7 months: €468.13 rate · balance €25,468.13After 8 months: €535 rate · balance €25,535After 9 months: €601.88 rate · balance €25,601.88After 10 months: €668.75 rate · balance €25,668.75After 11 months: €735.63 rate · balance €25,735.63After 12 months: €802.50 rate · balance €25,802.50After 13 months: €871.52 rate · balance €25,871.52After 14 months: €940.54 rate · balance €25,940.54After 15 months: €1,009.57 rate · balance €26,009.57After 16 months: €1,078.59 rate · balance €26,078.59After 17 months: €1,147.61 rate · balance €26,147.61After 18 months: €1,216.63 rate · balance €26,216.63After 19 months: €1,285.65 rate · balance €26,285.65After 20 months: €1,354.67 rate · balance €26,354.67After 21 months: €1,423.70 rate · balance €26,423.70After 22 months: €1,492.72 rate · balance €26,492.72After 23 months: €1,561.74 rate · balance €26,561.74After 24 months: €1,630.76 rate · balance €26,630.76After 25 months: €1,702.00 rate · balance €26,702.00After 26 months: €1,773.24 rate · balance €26,773.24After 27 months: €1,844.47 rate · balance €26,844.47After 28 months: €1,915.71 rate · balance €26,915.71After 29 months: €1,986.95 rate · balance €26,986.95After 30 months: €2,058.18 rate · balance €27,058.18After 31 months: €2,129.42 rate · balance €27,129.42After 32 months: €2,200.66 rate · balance €27,200.66After 33 months: €2,271.90 rate · balance €27,271.90After 34 months: €2,343.13 rate · balance €27,343.13After 35 months: €2,414.37 rate · balance €27,414.37After 36 months: €2,485.61 rate · balance €27,485.61After 37 months: €2,559.13 rate · balance €27,559.13After 38 months: €2,632.66 rate · balance €27,632.66After 39 months: €2,706.18 rate · balance €27,706.18After 40 months: €2,779.70 rate · balance €27,779.70After 41 months: €2,853.23 rate · balance €27,853.23After 42 months: €2,926.75 rate · balance €27,926.75After 43 months: €3,000.28 rate · balance €28,000.28After 44 months: €3,073.80 rate · balance €28,073.80After 45 months: €3,147.32 rate · balance €28,147.32After 46 months: €3,220.85 rate · balance €28,220.85After 47 months: €3,294.37 rate · balance €28,294.37After 48 months: €3,367.90 rate · balance €28,367.90
Per year
AfterInterest up to thenBalance
1 year€803€25,803
2 years€1,631€26,631
3 years€2,486€27,486
4 years€3,368€28,368
Is saving at a foreign bank safe? How the deposit guarantee works in Europe
From
Rate
Until
14 Sep 20263.21%current
2 Sep 20263.06%14 Sep 2026

All historic rates of Inbank →All savings products of Inbank →

  • 14 Sep 2026Inbank – Termijndeposito (48 mo): 3.06% → 3.21%
  • 2 Sep 2026New: Inbank – Termijndeposito (48 mo) 3.06%

Rate checked on 18 Sep 2026.