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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 · 2 years · Ayvens Bank N.V. · Netherlands · Directly at the bank
Open an account at Ayvens Bank
Rate
2.85%
2 years fixed
since 14 Sep 2026
Your return on €16,600
€473
per year, annualised · €946 total over 2 years
Deposit guarantee
€16,600 fully protected
Dutch scheme

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

Your calculation for €16,600

Gross interest over 2 years: €946.
Interest built up over 2 years
€ 0€ 500start1 yr2 yrs€946After 1 month: €39.42 rate · balance €16,639.42After 2 months: €78.85 rate · balance €16,678.85After 3 months: €118.27 rate · balance €16,718.28After 4 months: €157.70 rate · balance €16,757.70After 5 months: €197.13 rate · balance €16,797.13After 6 months: €236.55 rate · balance €16,836.55After 7 months: €275.98 rate · balance €16,875.97After 8 months: €315.40 rate · balance €16,915.40After 9 months: €354.83 rate · balance €16,954.83

Rate and conditions

BalanceRate
€0 – and up2.85%
Interest payout
yearly, paid out
Fees
none
Access
2 years fixed · no early withdrawal
Term
2 years
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 jaarlijks op de openingsdatum op de Online Spaarrekening gestort

Deposit guarantee

€16,600 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

2.25%2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now2.85%2.55% from 2 Sep 2026 until 14 Sep 20262.85% from 14 Sep 2026 until now
2.25%2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now2.85%2.55% 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% · Direct1 year · 2.75% · Direct3 years · 2.95% · Direct4 years · 3.10% · Direct5 years · 3.00% · Direct
After 10 months: €394.25 rate · balance €16,994.25After 11 months: €433.68 rate · balance €17,033.67After 12 months: €473.10 rate · balance €17,073.10After 13 months: €512.53 rate · balance €17,112.53After 14 months: €551.95 rate · balance €17,151.95After 15 months: €591.38 rate · balance €17,191.38After 16 months: €630.80 rate · balance €17,230.80After 17 months: €670.22 rate · balance €17,270.22After 18 months: €709.65 rate · balance €17,309.65After 19 months: €749.07 rate · balance €17,349.08After 20 months: €788.50 rate · balance €17,388.50After 21 months: €827.92 rate · balance €17,427.92After 22 months: €867.35 rate · balance €17,467.35After 23 months: €906.77 rate · balance €17,506.78After 24 months: €946.20 rate · balance €17,546.20
€ 0€ 500start1 yr2 yrs€946After 1 month: €39.42 rate · balance €16,639.42After 2 months: €78.85 rate · balance €16,678.85After 3 months: €118.27 rate · balance €16,718.28After 4 months: €157.70 rate · balance €16,757.70After 5 months: €197.13 rate · balance €16,797.13After 6 months: €236.55 rate · balance €16,836.55After 7 months: €275.98 rate · balance €16,875.97After 8 months: €315.40 rate · balance €16,915.40After 9 months: €354.83 rate · balance €16,954.83After 10 months: €394.25 rate · balance €16,994.25After 11 months: €433.68 rate · balance €17,033.67After 12 months: €473.10 rate · balance €17,073.10After 13 months: €512.53 rate · balance €17,112.53After 14 months: €551.95 rate · balance €17,151.95After 15 months: €591.38 rate · balance €17,191.38After 16 months: €630.80 rate · balance €17,230.80After 17 months: €670.22 rate · balance €17,270.22After 18 months: €709.65 rate · balance €17,309.65After 19 months: €749.07 rate · balance €17,349.08After 20 months: €788.50 rate · balance €17,388.50After 21 months: €827.92 rate · balance €17,427.92After 22 months: €867.35 rate · balance €17,467.35After 23 months: €906.77 rate · balance €17,506.78After 24 months: €946.20 rate · balance €17,546.20
Per year
AfterInterest up to thenBalance
1 year€473€17,073
2 years€946€17,546

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

2.85% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20262.85%current
2 Sep 20262.55%14 Sep 2026

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

  • 14 Sep 2026Ayvens Bank – Deposito Sparen (24 mo): 2.55% → 2.85%
  • 2 Sep 2026New: Ayvens Bank – Deposito Sparen (24 mo) 2.55%

Rate checked on 18 Sep 2026.