Dépôts à terme BNP Paribas Fortis BNP Paribas Fortis Term
2.50% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 2,5%
Compare Fixed-Rate Deposits in Belgium
Live offers across tracked providers in Belgium — updated daily from the Giraffy database.
Live offers
17 live offers compared from 17 providers, from 2.50% brut. Updated daily.
Dépôts à terme de Bigbank Belgique Bigbank Belgium
2.75% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 2,75%
Compte à terme KBC BE Dépôts à terme KBC Term Account BE
3% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 3,0%
Dépôts à terme MeDirect Belgique MeDirect Belgium
3.15% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 3,15%
Dépôts à terme BE ING ING Term BE
3.50% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 3,5%
Dépôts à terme Keytrade Keytrade Term
3.75% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 3,75%
Dépôts à terme Raisin Belgium Raisin Belgium
3.95% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 3,95%
Dépôts à terme Belfius Belfius Term
4% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 4,0%
Bonjour Dépôts à terme BE Hello Term BE
4.25% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 4,25%
Dépôts à terme Argenta Argenta Term
4.50% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 4,5%
Dépôts à terme Crelan Crelan Term
4.75% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 4,75%
Dépôts à terme Triodos BE Triodos Term BE
4.75% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 4,75%
Dépôts à terme Nagelmackers Nagelmackers Term
5% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 5,0%
Dépôts à terme Fortuneo BE Fortuneo Term BE
5.10% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 5,1%
Dépôts à terme Beobank Beobank Term
5.25% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 5,25%
Dépôts à terme NIBC BE NIBC BE Term
5.30% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 5,3%
Dépôts à terme d'Europabank Europabank Term
5.50% brut
- Tutela del deposito: DGS de l'UE — jusqu'à 100 000 €
- taux d'intérêt: 5,5%
What is a Fixed-Rate Savings account in Belgium?
A Belgian fixed-rate savings account, or term deposit (compte à terme / termijnrekening), locks a sum of money for an agreed period at a guaranteed rate. In exchange for giving up access during the term, you typically earn more than an instant-access savings account, with market rates currently running from about 2.5% to 5.5% depending on term and provider.
Providers include Argenta Term, BNP Paribas Fortis Term, Belfius Term, Crelan Term, Europabank Term, Fortuneo Term BE, Bigbank Belgium and MeDirect Belgium.
How the Belgian market works
Term deposits fix both the rate and the maturity date, so you know your return upfront. Terms range from a few months to several years, and longer or promotional terms tend to carry the highest rates. Foreign-owned banks such as Bigbank Belgium and online players like MeDirect Belgium and Fortuneo Term BE often lead the rate tables.
Crucially, term-deposit interest does not benefit from the savings-account tax exemption. Unlike a regulated savings account, all interest on a compte à terme / termijnrekening is subject to the précompte mobilier withholding tax at 30%.
Benefits
Higher guaranteed rates — locking your money can pay up to around 5.5%, well above instant-access accounts.
Rate certainty — the rate and maturity are fixed at the outset, shielding you from later rate cuts.
Choice of term — providers like Belfius Term and Argenta Term offer a range of maturities to match your horizon.
Deposit protection — balances are covered up to €100,000 per person, per bank.
How to choose
Decide how long you can lock the money, since you generally cannot withdraw before maturity without penalty or loss of interest. Then compare the rate for that term across providers; Bigbank Belgium, MeDirect Belgium and Fortuneo Term BE are worth checking alongside Belfius Term, BNP Paribas Fortis Term, Crelan Term and Europabank Term.
Remember to compare net returns after the 30% précompte mobilier, since term-deposit interest has no exemption. A slightly lower rate on a regulated savings account can sometimes net out similarly for small balances.
Leading providers in Belgium
Belfius Term, BNP Paribas Fortis Term, Argenta Term and Crelan Term offer term deposits alongside their main banking relationships. Bigbank Belgium, MeDirect Belgium, Fortuneo Term BE and Europabank Term are known for competitive rates that often sit toward the top of the range.
What it costs
There is usually no account fee for a term deposit; the main cost is flexibility. Accessing money before maturity typically triggers a penalty or loss of interest. Tax also weighs on returns: all interest is taxed at 30% précompte mobilier with no exemption, so always compare net-of-tax yields.
Protections and regulation
Term-deposit providers are supervised by the National Bank of Belgium (NBB). Eligible deposits are protected up to €100,000 per depositor, per institution under the Belgian deposit guarantee scheme, so a locked term deposit carries the same safety net as a current or savings account.
Common questions
Can I access my money early? Generally not without penalty; the rate is offered precisely because you commit for the full term.
Is the interest taxed? Yes, at 30% précompte mobilier with no exemption, unlike a regulated savings account.
Are term deposits guaranteed? The rate is fixed for the term and the balance is protected up to €100,000 per bank.
Fixed-Rate Deposits in Belgium — FAQ
What is the best fixed deposit rate in Belgium right now?
Giraffy tracks 5 fixed-rate deposit accounts across BNP Paribas Fortis Term,Bigbank Belgium,KBC Term Account BE,MeDirect Belgium,ING Term BE banks in Belgium. Sort by highest rate and compare term lengths to see which account suits your timeline.
What is a fixed-rate deposit and how does it work?
A fixed-rate deposit (also called a fixed-term bond or term deposit) locks your money away for a set period — typically 3 months to 5 years — in exchange for a guaranteed interest rate. You agree the rate upfront, so rising or falling market rates don't change your return.
Are fixed deposits safe?
Yes — the Belgian Deposit Guarantee Scheme protects up to €100,000 per person, per bank. Fixed deposits at NBB-regulated institutions are typically among the lowest-risk savings options available. Rates are guaranteed; your principal and interest are protected up to the scheme limit.
Can I withdraw money early from a fixed deposit?
Most fixed deposits penalise early withdrawal — typically forfeiting 30–180 days of interest, depending on the institution and term length. Some accounts don't allow withdrawal at all before maturity. Check the early-exit penalty before locking in a large sum.
What is the difference between a fixed deposit and an easy-access savings account?
Fixed deposits pay a higher rate in exchange for locking your money away for a defined term. Easy-access accounts let you withdraw any time but pay a lower variable rate. If you have a cash lump sum you won't need for 6–24 months, a fixed deposit typically earns more.
What happens at the end of a fixed deposit term?
At maturity, most banks automatically roll your deposit into a new term at the prevailing rate — which may be higher or lower than your original deal. Set a diary reminder to review and re-compare rates before auto-renewal if you want to ensure you get the best rate available.
How are fixed deposit rates set in Belgium?
Fixed deposit rates are closely linked to the central bank's benchmark rate. When the National Bank of Belgium (NBB) raises rates, banks tend to offer higher deposit returns — and vice versa. Comparing regularly helps you catch rate rises before banks reduce their offers.