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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Banks and deposit guarantee

Ayvens Bank

Ayvens Bank N.V. · Netherlands · supervised by DNB
Website
Offers
9
Instant access
1.85%
highest effective
Deposit
3.10%
highest effective
Deposit guarantee
Until €100,000
Netherlands scheme

Offers from Ayvens Bank

ProductTypeRateEffectiveYour return
Flexibel Sparen (Online Spaarrekening)Instant access1.85%
1.85%€185
interest per year
Details
Deposito SparenDeposit · 3 months1.30%
1.31%€131
per year, annualised
Details
Deposito SparenDeposit · 6 months1.60%
1.61%€161
per year, annualised
Details
Deposito SparenDeposit · 9 months1.60%

Saving at Ayvens Bank

Ayvens Bank is a bank from Netherlands, supervised by DNB. You open an account with the bank itself, online.

For €10,000 we list 1 instant-access account and 8 deposits from Ayvens Bank, with terms from 3 months to 5 years. The best instant-access account, Flexibel Sparen (Online Spaarrekening), pays an effective 1.85% a year. The highest instant-access rate in our comparison is 3.04% right now. The best-paying deposit runs for 4 years at an effective 3.10% a year.

The lowest minimum deposit is €1,000.

Savings at Ayvens Bank fall under Nederlandse Depositogarantie (DGS), the statutory deposit guarantee scheme of Netherlands, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Netherlands does not withhold tax on the interest of a saver who lives in the Netherlands.

What is the savings rate at Ayvens Bank?
At Ayvens Bank the highest effective annual rate for €10,000 is currently 1.85% on instant-access savings and 3.10% on a 4 years deposit. The table on this page has every offer with its rate and conditions.
Is my money safe at Ayvens Bank?
Ayvens Bank (Ayvens Bank N.V.) takes part in Nederlandse Depositogarantie (DGS). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
Do I pay withholding tax on interest from Ayvens Bank?
Netherlands does not withhold tax on the interest of a saver who lives in the Netherlands.
How do I open an account at Ayvens Bank?
You open an account with the bank itself, online.

Deposit guarantee and licence

Institution
Ayvens Bank N.V.
Status
Verified European deposit guarantee scheme
Scheme
Nederlandse Depositogarantie (DGS)
Guarantee
€100,000 per person per institution
Licence
DNB B0154
Verification
DNB-register Nederlandse depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
source ↗ · 2 Sep 2026

Recent changes

Rate historyRSS
  • 14 Sep 2026, 14:26 · Rate upAyvens Bank – Deposito Sparen (12 mo): 2.45% → 2.75%
  • 14 Sep 2026, 14:26 · Rate upAyvens Bank – Deposito Sparen (24 mo): 2.55% → 2.85%
  • 14 Sep 2026, 14:26 · Rate upAyvens Bank – Deposito Sparen (36 mo): 2.65% → 2.95%
  • 14 Sep 2026, 14:26 · Rate upAyvens Bank – Deposito Sparen (48 mo): 2.80% → 3.10%
1.60%
€160
per year, annualised
Details
Deposito SparenDeposit · 1 year2.75%
▲ 0.3014 Sep 2026Rate over the last 365 days. Raised on 14 Sep 2026 from 2.45% to 2.75%.
2.75%€275
interest per year
Details
Deposito SparenDeposit · 2 years2.85%
▲ 0.3014 Sep 2026Rate over the last 365 days. Raised on 14 Sep 2026 from 2.55% to 2.85%.
2.85%€285
per year, annualised
Details
Deposito SparenDeposit · 3 years2.95%
▲ 0.3014 Sep 2026Rate over the last 365 days. Raised on 14 Sep 2026 from 2.65% to 2.95%.
2.95%€295
per year, annualised
Details
Deposito SparenDeposit · 4 years3.10%
▲ 0.3014 Sep 2026Rate over the last 365 days. Raised on 14 Sep 2026 from 2.80% to 3.10%.
3.10%€310
per year, annualised
Details
Deposito SparenDeposit · 5 years3.00%
3.00%€300
per year, annualised
Details
  • Flexibel Sparen (Online Spaarrekening)1.85% · 1.85% effective€185interest per year
  • Deposit 3 months1.30% · 1.31% effective€131per year, annualised
  • Deposit 6 months1.60% · 1.61% effective€161per year, annualised
  • Deposit 9 months1.60% · 1.60% effective€160per year, annualised
  • Deposit 1 year2.75% · 2.75% effective · since 14 Sep 2026€275interest per year
  • Deposit 2 years2.85% · 2.85% effective · since 14 Sep 2026€285per year, annualised
  • Deposit 3 years2.95% · 2.95% effective · since 14 Sep 2026€295per year, annualised
  • Deposit 4 years3.10% · 3.10% effective · since 14 Sep 2026€310per year, annualised
  • Deposit 5 years3.00% · 3.00% effective€300per year, annualised
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