Nordea savings rates 2026: savings account and fixed-term deposit
In October 2026 Nordea's JoustoTalletus account is a period account that pays 2.25% for a 12-month period, 1.65% for a 3-month period and 1.45% for a 1-month period; withdrawals are possible, but interest is paid only on the lowest balance of the period. Nordea does not publish the rate of the fixed-term investment account on its website.
Nordea savings accounts
| Account | Rate | Tiering | Withdrawals | Minimum | Rate can change | Fees |
|---|---|---|---|---|---|---|
| EtuTili | 1.10% (top tier) | 0.40% for €0-9,999.99, 0.40% for €10,000-49,999.99, 0.90% for €50,000-99,999.99, 1.10% for €100,000 or more (tier by tier, Nordea Etukorko 1.90% minus a margin) | Account transfers without restrictions. | not available | Yes | Not stated on the EtuTili page; see Nordea's price list. |
- EtuTili: Interest is paid on the euro amount of each tier; always at least 0.40% and at most 3.00%. Interest is paid once a year in January.
Nordea fixed-term deposits
| Term | Rate | Minimum | Maximum | Early withdrawal |
|---|---|---|---|---|
| 1 month (JoustoTalletus account, period account) | 1.45% | €500 | €500,000 | Withdrawals at any time without a fee, but interest is paid only on the lowest balance of the period; at least €500 must remain on the account. If the account is closed during a period, no interest is paid for the current period. |
| 3 months (JoustoTalletus account, period account) | 1.65% | €500 | €500,000 | Withdrawals at any time without a fee, but interest is paid only on the lowest balance of the period; at least €500 must remain on the account. If the account is closed during a period, no interest is paid for the current period. |
| 12 months (JoustoTalletus account, period account) | 2.25% | €500 | €500,000 | Withdrawals at any time without a fee, but interest is paid only on the lowest balance of the period; at least €500 must remain on the account. If the account is closed during a period, no interest is paid for the current period. |
| 12 months (Fixed-term investment account) | shown only in online banking | €500 | €100,000 | If you withdraw during the deposit period, the bank charges a break cost: a fixed €30 (accounts opened from 18 May 2018) and a possible refinancing cost. |
- 1 month JoustoTalletus account: The JoustoTalletus (flexible deposit) account is an automatically renewing period account (1, 3 or 12 months), not an ordinary savings account: fixed rate for the period (1-month period 1.45% from 1 January 2026). Interest is paid only on the lowest balance of the period, and no interest is paid on additional deposits during the period. Deposit €500-500,000, at most 12 accounts per customer.
- 3 months JoustoTalletus account: The JoustoTalletus (flexible deposit) account is an automatically renewing period account (1, 3 or 12 months), not an ordinary savings account: fixed rate for the period (3-month period 1.65% from 1 May 2026). Interest is paid only on the lowest balance of the period, and no interest is paid on additional deposits during the period. Deposit €500-500,000, at most 12 accounts per customer.
- 12 months JoustoTalletus account: The JoustoTalletus (flexible deposit) account is an automatically renewing period account (1, 3 or 12 months), not an ordinary savings account: fixed rate for the period (12-month period 2.25% from 1 October 2026). Interest is paid only on the lowest balance of the period, and no interest is paid on additional deposits during the period. Deposit €500-500,000, at most 12 accounts per customer.
- 12 months Fixed-term investment account: Fixed-term investment account, deposit period 1-36 months and online €500-100,000. The rate depends on the deposit period and the amount and is shown only in mobile or online banking; there is no public rate. Deposits over €100,000 at a meeting.
Terms and opening an account
| Fact | Value |
|---|---|
| Head office | Finland |
| Opening online as a new customer | not available |
| Requires a current account or customer relationship | Yes |
| Information checked | 16 October 2026 |
Deposit guarantee and taxation
Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank
Withholding tax: Finnish withholding tax 30%. The bank withholds 30% withholding tax, and the interest is not declared separately. Withholding tax does not count towards the 30% / 34% capital income tax rate threshold. Read more in the guides deposit guarantee and tax on savings deposits.
Calculate the return
Enter the amount and the term in the savings rates calculator to see the gross interest, the tax and the net interest of Nordea compared with other providers. See all providers in the savings rates comparison.
See also
- Savings rates comparison
- Fixed-term deposits compared
- Savings account vs fixed-term deposit
- Nordea price list and service fees
Similar savings rates
Sources
- Nordea: JoustoTalletus-tiliretrieved 16 October 2026
- Nordea: EtuTiliretrieved 16 October 2026
- Nordea: Määräaikainen sijoitustiliretrieved 16 October 2026
- Nordea: Säästämisen tilitretrieved 16 October 2026
Information checked 16 October 2026. Always check the current rate and terms with the provider.
Frequently asked questions
How much interest does Nordea pay on a savings account?
In October 2026 Nordea savings accounts and rates: EtuTili 1.10% (top tier). Note: rate only in online banking.
What is the fixed-term deposit rate at Nordea?
In October 2026 Nordea fixed-term deposit rates: 1 month 1.45%, 3 months 1.65% and 12 months 2.25%. The terms for early withdrawal vary, and they are shown in the table on the page.
Is a deposit at Nordea safe?
Finnish deposit guarantee (Financial Stability Authority), €100,000 per depositor per bank The cover limit in the EU is €100,000 per depositor per bank.
Is withholding tax deducted from the deposit interest at Nordea?
Finnish withholding tax 30%. The bank withholds 30% withholding tax, and the interest is not declared separately. Withholding tax does not count towards the 30% / 34% capital income tax rate threshold.