ProCredit BankTermijndeposito
Deposit · 6 months · Procredit Bank S.A. · Romania · via Raisin
- Rate
- 3.17%
- 6 months fixed
- since 2 Nov 2026
- EffectiveThe effective annual rate for €25,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 3.20%
- for €25,000
- Your return on €25,000
- €799
- per year, annualised · €396 total over 6 months
- Deposit guarantee
- €25,000 fully protectedRomanian scheme
Procredit Bank S.A. · Fondul de Garantare a Depozitelor Bancare (FGDB) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 6 months: €396.
Interest built up over 6 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.17% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 2 Nov 2026
- Access
- 6 months fixed · no early withdrawal
- Term
- 6 months
- Minimum deposit
- €20,000
- 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
- Einde looptijd
Deposit guarantee
€25,000 fully protected
Romanian scheme
Procredit Bank S.A. · Fondul de Garantare a Depozitelor Bancare (FGDB) · €100,000 per person per bank
Licence and verification
- Institution
- Procredit Bank S.A.
- Status
- Verified European deposit guarantee scheme
- Scheme
- Fondul de Garantare a Depozitelor Bancare (FGDB) (Romania)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Fondul de Garantare a Depozitelor Bancare (FGDB)
Taxes
- Country
- Romania
- Withholding tax
- Reducible to 0%
- Standard rate
- 10.00%
- For a Dutch saver
- 0.00% (after paperwork)
- Notes
- Romania withholds by default 10% tax at source. With a certificate of residence (through the bank or Raisin) that becomes 0% for a Dutch saver; what was already withheld can be reclaimed.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Withholding tax on foreign savings interest: what do you really keep?
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 |
|---|---|---|
| 2 Nov 2026 | 3.17% | current |
| 15 Oct 2026 | 3.11% | 2 Nov 2026 |
| 8 Oct 2026 | 2.93% | 15 Oct 2026 |
| 29 Sep 2026 | 2.88% | 8 Oct 2026 |
| 15 Sep 2026 | 2.87% | 29 Sep 2026 |
| 14 Sep 2026 | 2.86% | 15 Sep 2026 |
| 2 Sep 2026 | 2.76% | 14 Sep 2026 |
All historic rates of ProCredit Bank →All savings products of ProCredit Bank →
- 2 Nov 2026ProCredit Bank – Termijndeposito (6 mo): 3.11% → 3.17%
- 15 Oct 2026ProCredit Bank – Termijndeposito (6 mo): 2.93% → 3.11%
- 8 Oct 2026ProCredit Bank – Termijndeposito (6 mo): 2.88% → 2.93%
- 29 Sep 2026ProCredit Bank – Termijndeposito (6 mo): 2.87% → 2.88%
- 15 Sep 2026ProCredit Bank – Termijndeposito (6 mo): 2.86% → 2.87%
- 14 Sep 2026ProCredit Bank – Termijndeposito (6 mo): 2.76% → 2.86%
- 2 Sep 2026New: ProCredit Bank – Termijndeposito (6 mo) 2.76%
Rate checked on 2 Nov 2026.