Fixed Deposit Calculator — Taiwan
Calculate your fixed-deposit maturity value and interest in TWD at current rates. No signup, no account needed.
Fixed deposit rates in Taiwan (2026)
Bank of Taiwan's 1-year NTD time deposit rate is 1.70% p.a. for deposits under NT$5,000,000 (September 2026). Large deposits (NT$5,000,000+) earn less, 0.77% p.a. Compare CTBC, Cathay United, and Taiwan Business Bank.
At around 1.7%, the fixed-deposit rate in Taiwan is on the low side by international standards.
Reference figures, ~2026. FD interest is often taxable and rates vary by bank and tenure - verify the current rate before depositing.
Worked example
For every $100,000 deposited at 1.70% for 5 years (quarterly compounding):
- Maturity value: $108,852
- Interest earned: $8,852
Scale to your deposit amount. Longer tenures and higher rates grow the maturity value; compare banks before locking in.
How to get the best fixed-deposit return in Taiwan
- Compare several banks - smaller and digital banks often pay more than the big high-street names.
- Ladder your deposits across different tenures so some matures regularly and you can reinvest at new rates.
- Check how often interest compounds; more frequent compounding grows the maturity value.
- Factor in tax on the interest, and compare against short-term government bills or bonds.
A named-lender rate check: Bank of Taiwan term deposits (2026)
Bank of Taiwan’s own published NTD time-deposit rate table (checked 21 September 2026) lists 1.70% p.a. for a 1-year term on deposits under NT$5,000,000; large deposits of NT$5,000,000 or more actually earn less, at 0.77% p.a., a quirk of how Taiwanese banks price large-denomination deposits differently from retail-sized ones.
Frequently Asked Questions
How is FD maturity calculated in Taiwan?
Maturity = P × (1 + r/4)^(4n) for quarterly compounding, where P is the deposit, r the annual rate and n the years. fin·calc uses this standard method.
What is the current FD rate in Taiwan?
As a 2026 reference, fixed-deposit rates are around 1.7% per year, varying by bank and tenure. Bank of Taiwan's 1-year NTD time deposit rate is 1.70% p.a. for deposits under NT$5,000,000 (September 2026). Large deposits (NT$5,000,000+) earn less, 0.77% p.a. Compare CTBC, Cathay United, and Taiwan Business Bank.
Is FD interest taxable in Taiwan?
In Taiwan, interest income (including term deposit interest) is combined with other income and taxed under the standard progressive income tax rates, though a separate NT$270,000 annual exemption applies to combined savings/interest income for residents. Check current tax rules for the exact threshold.
Is a fixed deposit safe in Taiwan?
Fixed deposits carry no market risk. In Taiwan, deposits are protected by the Central Deposit Insurance Corporation (CDIC) up to NT$3,000,000 per depositor per institution. They trade higher safety for lower long-term returns than equities.
Should I choose a fixed deposit or invest instead in Taiwan?
A fixed deposit gives a guaranteed return and suits money you cannot afford to risk. Investing targets higher long-term growth but can fall in value. Many people keep an FD for safety and invest separately for growth.
What is the current fixed deposit rate in Taiwan?
As a September 2026 reference, Bank of Taiwan's own rate table lists 1.70% p.a. for a 1-year NTD time deposit under NT$5,000,000. Rates vary by bank, term and deposit size -- compare CTBC, Cathay United and Taiwan Business Bank.
Why do large Taiwan deposits sometimes earn a lower rate than smaller ones?
Some Taiwanese banks price large-denomination time deposits (commonly NT$5,000,000 and above) at a lower rate than smaller retail deposits -- Bank of Taiwan's own table shows 0.77% for large deposits versus 1.70% for smaller ones at the same 1-year term.
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Sources
Deposit rates are compiled from each country's central-bank publications and the typical offerings of its major banks, reviewed for 2026 and subject to change — always confirm the current rate with your bank before depositing. See our methodology and editorial policy for how we source and update this data.
Additional sources for this page
Bank of Taiwan NTD time deposit rates, checked 21 September 2026: New Taiwan Dollar Interest Rates – Bank of Taiwan. See our methodology and editorial policy for how we source and update this data.