Complete Guide to Hoiused in Europe

Everything you need to know about Hoiused, including how they work, what to consider, and country-specific details.

Last updated: June 2026

Mis on Hoiused?

Hoiukontod on pangahoiused, kus teenite oma saldolt intressi. Euroalal on hoiused kuni 100 000 € panga kohta kaitstud riikliku hoiuste tagamise skeemiga. Need jagunevad kaheks: vabalt kasutatavad kontod (saate raha igal ajal välja võtta) ja tähtajalised hoiused (raha on lukustatud kindlaks perioodiks kõrgema intressimäära eest).

Kuidas Hoiused töötavad?

Avate konto pangas, kannate raha sisse ja teenite intressi. Tähtajaliste hoiuste puhul lukustate raha kindlaks perioodiks. Ennetähtaegne väljavõtmine võib kaasa tuua trahve. EL-i pangad peavad osalema hoiuste tagamise fondis, mis kaitseb kuni 100 000 € hoiustaja kohta.

Olulised asjaolud investoritele riigis European

Hoiuste tagatis katab kuni 100 000 € isiku ja panga kohta
Reklaamintressid langevad sageli pärast sissejuhatavat perioodi
Mõned pangad nõuavad palga suunamist või miinimumsaldot parima intressi saamiseks
Intressidelt peetakse kinni maks enamikus euroala riikides
Neopangad ja välismaised pangad võivad pakkuda kõrgemaid intresse — kontrollige EL-i hoiuste tagatist

Hoiused by Country

Compare Hoiused across different European countries to find the best option for your tax residence:

HispaaniaTax: 19% · Inflation: 3.6%

Spain applies a 19% withholding tax on the first €6,000 of interest income, rising to 21% (€6k–€50k), 23% (€50k–€200k), and 28% above €200k. Many Spanish banks (MyInvestor, Openbank, EBN) offer competitive term deposits — but the best rates usually require salary domiciliation (nómina) or linking other products. The Fondo de Garantía de Depósitos covers €100,000 per depositor per institution.

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PortugalTax: 28% · Inflation: 3.1%

Portugal applies a flat 28% withholding tax on interest income. Residents can opt for englobamento (aggregation with other income), which may result in a lower effective rate for low earners. The Fundo de Garantia de Depósitos covers €100,000 per person per institution. Portuguese banks like ActivoBank, BiG, and CGD regularly offer promotional rates for new clients or fresh money.

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SaksamaαTax: 26% · Inflation: 2.4%

Germany applies a 26.375% flat tax on interest income (25% Kapitalertragsteuer plus 5.5% Solidaritätszuschlag, and optionally Kirchensteuer). There is a Sparerpauschbetrag (saver's allowance) of €1,000 per person (€2,000 for married couples) where interest is tax-free. German neobanks like C24 and Trade Republic offer competitive rates. Foreign banks operating in Germany (Ayvens, BBVA) often top the rate tables.

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PrαntsusmααTax: 31% · Inflation: 2.0%

France offers the Livret A (tax-free, €22,950 cap, currently 2.4%) and LDDS (tax-free, €12,000 cap) — these regulated accounts should be maximized first. Beyond these, interest is taxed at the 30% Prélèvement Forfaitaire Unique (PFU), also known as flat tax. Some banks like Fortuneo and BoursoBank offer competitive savings rates for non-regulated accounts.

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ItaaliaTax: 26% · Inflation: 3.1%

Italy applies a 26% withholding tax on interest from bank deposits. Deposits up to €100,000 are covered by the Fondo Interbancario di Tutela dei Depositi (FITD). Italian banks historically offered conservative savings rates, but competition from neobanks and EU-wide deposit platforms has improved the landscape.

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MadalmaadTax: 24% · Inflation: 2.5%

The Netherlands uses a unique wealth tax system (Box 3) instead of taxing actual interest income. In 2026, a notional return is applied to your net assets above €57,000 (€114,000 for fiscal partners), taxed at 36%. This means actual interest earned is irrelevant for tax purposes — only your total wealth matters. Dutch neobanks like bunq offer competitive rates.

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BelgiaTax: 30% · Inflation: 3.0%

Belgium applies a 30% withholding tax (précompte mobilier / roerende voorheffing) on interest income, but the first €1,020 per person in interest from regulated savings accounts is tax-exempt. This makes Belgian regulated savings accounts (like those from KBC, BNP Paribas Fortis, or Belfius) attractive up to the exemption threshold. The Fonds de Garantie des Dépôts covers €100,000 per depositor per institution.

Hoiused in Belgia →

AustriaTax: 28% · Inflation: 3.1%

Austria applies a flat 25% withholding tax (KESt — Kapitalertragsteuer) on interest income. The Einlagensicherung Austria (ESA) guarantees deposits up to €100,000 per person per bank. Austrian banks like DADAT, Easybank, and bank99 compete on savings rates. Bawag PSK and Erste Bank also offer competitive term deposits for new customers.

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IirimaaTax: 33% · Inflation: 3.2%

Ireland applies DIRT (Deposit Interest Retention Tax) at 33% on savings interest — one of the highest rates in the eurozone. The Deposit Guarantee Scheme covers €100,000 per depositor per institution. Irish banks (AIB, Bank of Ireland, Permanent TSB) have historically offered low savings rates, but competition from EU-wide deposit platforms like Raisin has improved options for Irish savers.

Hoiused in Iirimaa →

EestiTax: 24% · Inflation: 2.0%

Eesti kohaldab 2026. aastast 24% tulumaksu (22% + 2% riigikaitse maks) intressituludele. Hoiuste tagamise skeem katab kuni 100 000 € hoiustaja kohta. Eesti pangandussektor on konsolideerunud — peamised tegijad on Swedbank, SEB ja LHV.

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Korduma kippuvad küsimused

Kas hoiukontod on euroalal turvalised?

Jah. Kõigis EL-i liikmesriikides on hoiuste tagamise süsteem, mis kaitseb kuni 100 000 € hoiustaja ja panga kohta vastavalt EL-i direktiivile 2014/49/EÜ.

Kas valida vabalt kasutatav konto või tähtajaline hoius?

Sõltub teie likviidsusvajadusest. Tähtajalised hoiused pakuvad tavaliselt 0,2–0,8% kõrgemat intressi, kuid raha on lukustatud.

Mis on reaaltootlus?

Reaaltootlus on tootlus pärast makse ja inflatsiooni. Näiteks 3% brutointress 24% maksuga ja 2,5% inflatsiooniga: 3%×(1−0,24)−2,5% = −0,22%.

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