Get a rate of 1,50 % AER when you save with BankB for 1 Year
Start saving from 5.000 €
Interest booked annually
No fees or hidden charges
Bélgica
Rate
Term
Currency
Product Type
1/6
This number gives an indication of the risk profile of the product. 1/6 indicates a lower level of risk while risk and 6/6 indicates the highest level of risk.
BankB is a member of the Deposit Guarantee Fund of Bélgica guaranteeing deposits up to a limit of 100.000 EUR per customer.
Early sale or cancellation is not possible or may involve significant losses.
Intereses
1,50%
1,50%
Sí
1 año
Disponible sólo al vencimiento
TAE
Al vencimiento
Tipo de interés fijo durante el plazo
Ejemplo para un depósito a plazo a 12 meses al 1,50 % TAE (1,50 % TIN) con abono de intereses al vencimiento.
La renovación no es posible / aplicable en este caso.
Características
EUR
5.000 € - 100.000 €
Ninguno
Bélgica tiene una retención fiscal estándar de un 30%, pero debido a los acuerdos de doble imposición entre Bélgica y España, con la documentación facilitada durante el proceso de apertura se reducirá esta retención hasta el 0%. Por ello, no será necesario presentar ningún documento adicional.
Para abrir este producto, el banco requiere uno o varios documentos (ver Hoja Informativa del Producto). Puedes subir los documentos fácilmente a través de tu área de cliente, o enviarlos por correo electrónico a servicio@raisin.es
Get a rate of 1,50 % AER when you save with BankB for 1 Year
Get more from your money and start to make your savings work for you today.
1. Open a Raisin Account
Sign up for a Raisin Account and complete our straightforward online indentification process to get started.
2. Choose a savings account
Choose a savings account, decide the amount you wish to deposit, and submit your application. With over 100 savings accounts from more than 20 banks across Europe, there's something for everyone.
3. Start saving!
Then, securely transfer the amount you wish to save to your Raisin Account, and we’ll take care of the rest. Start making your savings work for you today!
Our offers
Rate
Term
Currency
Product Type
About the Bank
BankB, con sede en Waregem (Bélgica), fue fundado en 1956 y es una institución financiera que no cotiza en bolsa. BankB ofrece una amplia gama de servicios bancarios y productos de inversión para particulares y empresas. En los últimos años, el volumen crediticio de BankB ha aumentado progresivamente hasta los 106 millones de euros (año 2016). En la actualidad, el Banco tiene un ratio de capital básico del 15,27%, que supera claramente los requisitos reglamentarios.
Deposit Guarantee Scheme
Los depósitos, incluidos los intereses, están legalmente protegidos por el Fondo de Garantía de Depósitos de Bélgica hasta 100.000€ por cliente y por banco. Esta protección cubre los depósitos de todas las personas físicas, y no sólo de los ciudadanos de Bélgica y se refiere a la totalidad de los depósitos y cuentas de un cliente en un banco. Esto es importante si el cliente tiene otros depósitos y cuentas, no solo los contratados en el respectivo banco a través de Raisin. En todos los estados miembros de la Unión Europea, los requisitos mínimos de los sistemas de garantía de depósitos están armonizados por las Directivas 94/19/CE, 2009/14/CE y 2014/49/UE.
Tax process and documentation
Bélgica tiene una retención fiscal estándar de un 30%, pero debido a los acuerdos de doble imposición entre Bélgica y España, con la documentación facilitada durante el proceso de apertura se reducirá esta retención hasta el 0%. Por ello, no será necesario presentar ningún documento adicional.
Raisin's role
With Raisin, one login gives you access to competitive savings accounts from banks across Europe, allowing your savings to work even harder. No fees, no paperwork: saving with Raisin is online and hassle-free.
Get a rate of 1,50 % AER when you save with BankB for 1 Year
Get more from your money and start to make your savings work for you today.
Frequently asked questions
How are my savings protected?
All deposits at Raisin Bank AG and our partner banks are protected by European Deposit Guarantee Schemes up to €100,000 (or the equivalent amount in the respective national currency) per customer and per bank. Our system will not allow you to put more money into one account/bank than is covered by these schemes, meaning you can save with peace of mind.
Across Europe, national Deposit Guarantee Funds must meet the minimum requirements laid out (see Directives 94/19/EC, 2009/14/EC and 2014/49/EU). You can read more here.
Across Europe, national Deposit Guarantee Funds must meet the minimum requirements laid out (see Directives 94/19/EC, 2009/14/EC and 2014/49/EU). You can read more here.
How do I register for a Raisin Account?
To become a Raisin customer you must first open a Raisin Account. The process is very simple and can be completed 100% online. You can now complete the process with the Raisin App, it's never been easier!
Click here for a step-by-step guide on the registration process.
Click here for a step-by-step guide on the registration process.
What is Raisin's role?
Raisin gives you access to deposit and savings accounts from banks across Europe. Over 1 million European customers already saved more than €40 billion with Raisin's partner banks.
To save with our partner banks, you must open a free 'Raisin Account'. From there you can open and manage as many savings accounts as you wish. Ideal if you want to spread your savings across different accounts, banks and countries!
To save with our partner banks, you must open a free 'Raisin Account'. From there you can open and manage as many savings accounts as you wish. Ideal if you want to spread your savings across different accounts, banks and countries!
What are the minimum and maximum amounts I can save?
The minimum and maximum balance vary depending on the savings account. For more information, please check the details of the savings account you wish to open and take a look at the Product Information Sheet.
Are there any fees?
Raisin's service are completely free of charge. This includes opening and maintaining your Raisin Account, managing your bank transers and sending statements. As well as a dedciated our Customer Service team for Irish customers.
What is a Deposit account?
A Deposit account is a savings product which allows you to make an investment of a certain amount for a fixed period of time and at a fixed interest rate, with all parameters being agreed to before entering into the contract.
At Raisin, we offer terms ranging from 3 months to 5 years. As a general rule, the interest you will earn will be higher the longer the period for which you deposit your money.
We also offer Demand Deposit account which allow you to access your savings whenever you need them!
At Raisin, we offer terms ranging from 3 months to 5 years. As a general rule, the interest you will earn will be higher the longer the period for which you deposit your money.
We also offer Demand Deposit account which allow you to access your savings whenever you need them!
What are the tax implications when saving in Europe?
As a resident of Ireland, you will have to declare any interest you earn from deposits. Deposit interest is liable to Deposit interest retention tax (DIRT).
Any foreign tax you may pay on interest earned in Europe can be easily deducted from your DIRT liability when making your annual tax return to Revenue.
To find out more about how the products you take out with Raisin are taxed, please take a look at our taxes guide We also encourage customers to seek independent tax advice if they are unsure about the implications.
Any foreign tax you may pay on interest earned in Europe can be easily deducted from your DIRT liability when making your annual tax return to Revenue.
To find out more about how the products you take out with Raisin are taxed, please take a look at our taxes guide We also encourage customers to seek independent tax advice if they are unsure about the implications.
Does Raisin withhold tax automatically?
No – Raisin does not withhold any taxes. You must declare interest earned in your annual tax return with Revenue. We will however provide you with documentation showing exactly how much interest you earned.
We encourage our customers to seek independent tax advice or any taxation queries.
We encourage our customers to seek independent tax advice or any taxation queries.