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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.

Open an account at Ayvens Bank
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Ayvens BankDeposito Sparen

Deposit · 1 year · Ayvens Bank N.V. · Netherlands · Directly at the bank
Open an account at Ayvens Bank
Rate
2.75%
1 year fixed
since 14 Sep 2026
Your return on €25,000
€688
interest per year
Deposit guarantee
€25,000 fully protected
Dutch scheme

Ayvens Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Your calculation for €25,000

Gross interest over 1 year: €688.
Interest built up over 1 year
€ 0€ 250€ 500start6 mo1 yr€688After 1 month: €57.29 rate · balance €25,057.29After 2 months: €114.58 rate · balance €25,114.58After 3 months: €171.88 rate · balance €25,171.88After 4 months: €229.17 rate · balance €25,229.17After 5 months: €286.46 rate · balance €25,286.46After 6 months: €343.75 rate · balance €25,343.75After 7 months: €401.04 rate · balance €25,401.04After 8 months: €458.33 rate · balance €25,458.33After 9 months: €515.63 rate · balance €25,515.63After 10 months: €572.92 rate · balance €25,572.92

Rate and conditions

BalanceRate
€0 – and up2.75%
Interest payout
end of term, paid out
Fees
none
Access
1 year fixed · no early withdrawal
Term
1 year
Minimum deposit
€1,000
Maximum deposit
€2,000,000
Current account required
unknown
For whom
new and existing customers
Open via
Direct · available to residents of the Netherlands
  • Termijndeposito vanaf € 1.000, maximaal € 2.000.000 voor alle termijndeposito's samen; geld wordt vanaf de Online Spaarrekening vastgezet
  • Rente wordt aan het einde van de looptijd op de Online Spaarrekening gestort

Deposit guarantee

€25,000 fully protected
Dutch scheme

Ayvens Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank

Licence and verification
Institution
Ayvens Bank N.V.
Status
Verified European deposit guarantee scheme
Scheme
Nederlandse Depositogarantie (DGS) (Netherlands)
Guarantee
€100,000 per person per institution
Verification
DNB-register Nederlandse depositogarantie
detailshandmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
source ↗ · 2 Sep 2026
Taxes
Country
Netherlands
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Nederland kent geen bronbelasting op spaarrente.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Rate history

2.00%2.25%2.50%2.75%3.00%2 Sep 202610 Sep 2026now2.75%2.45% from 2 Sep 2026 until 14 Sep 20262.75% from 14 Sep 2026 until now
2.00%2.25%2.50%2.75%3.00%2 Sep 202610 Sep 2026now2.75%2.45% from 2 Sep 2026 until 14 Sep 2026

Other offers from Ayvens Bank

Instant access · 1.85% · Direct3 months · 1.30% · Direct6 months · 1.60% · Direct9 months · 1.60% · Direct2 years · 2.85% · Direct3 years · 2.95% · Direct4 years · 3.10% · Direct5 years · 3.00% · Direct
After 11 months: €630.21 rate · balance €25,630.21After 12 months: €687.50 rate · balance €25,687.50
€ 0€ 250€ 500start3 mo6 mo9 mo1 yr€688After 1 month: €57.29 rate · balance €25,057.29After 2 months: €114.58 rate · balance €25,114.58After 3 months: €171.88 rate · balance €25,171.88After 4 months: €229.17 rate · balance €25,229.17After 5 months: €286.46 rate · balance €25,286.46After 6 months: €343.75 rate · balance €25,343.75After 7 months: €401.04 rate · balance €25,401.04After 8 months: €458.33 rate · balance €25,458.33After 9 months: €515.63 rate · balance €25,515.63After 10 months: €572.92 rate · balance €25,572.92After 11 months: €630.21 rate · balance €25,630.21After 12 months: €687.50 rate · balance €25,687.50

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe

2.75% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20262.75%current
2 Sep 20262.45%14 Sep 2026

All historic rates of Ayvens Bank →All savings products of Ayvens Bank →

  • 14 Sep 2026Ayvens Bank – Deposito Sparen (12 mo): 2.45% → 2.75%
  • 2 Sep 2026New: Ayvens Bank – Deposito Sparen (12 mo) 2.45%

Rate checked on 18 Sep 2026.