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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 €16,800
€479
per year, annualised · €958 total over 2 years
Deposit guarantee
€16,800 fully protected
Dutch scheme

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

Your calculation for €16,800

Gross interest over 2 years: €958.
Interest built up over 2 years
€ 0€ 500start1 yr2 yrs€958After 1 month: €39.90 rate · balance €16,839.90After 2 months: €79.80 rate · balance €16,879.80After 3 months: €119.70 rate · balance €16,919.70After 4 months: €159.60 rate · balance €16,959.60After 5 months: €199.50 rate · balance €16,999.50After 6 months: €239.40 rate · balance €17,039.40After 7 months: €279.30 rate · balance €17,079.30After 8 months: €319.20 rate · balance €17,119.20After 9 months: €359.10 rate · balance €17,159.10

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

€16,800 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: €399.00 rate · balance €17,199After 11 months: €438.90 rate · balance €17,238.90After 12 months: €478.80 rate · balance €17,278.80After 13 months: €518.70 rate · balance €17,318.70After 14 months: €558.60 rate · balance €17,358.60After 15 months: €598.50 rate · balance €17,398.50After 16 months: €638.40 rate · balance €17,438.40After 17 months: €678.30 rate · balance €17,478.30After 18 months: €718.20 rate · balance €17,518.20After 19 months: €758.10 rate · balance €17,558.10After 20 months: €798.00 rate · balance €17,598After 21 months: €837.90 rate · balance €17,637.90After 22 months: €877.80 rate · balance €17,677.80After 23 months: €917.70 rate · balance €17,717.70After 24 months: €957.60 rate · balance €17,757.60
€ 0€ 500start1 yr2 yrs€958After 1 month: €39.90 rate · balance €16,839.90After 2 months: €79.80 rate · balance €16,879.80After 3 months: €119.70 rate · balance €16,919.70After 4 months: €159.60 rate · balance €16,959.60After 5 months: €199.50 rate · balance €16,999.50After 6 months: €239.40 rate · balance €17,039.40After 7 months: €279.30 rate · balance €17,079.30After 8 months: €319.20 rate · balance €17,119.20After 9 months: €359.10 rate · balance €17,159.10After 10 months: €399.00 rate · balance €17,199After 11 months: €438.90 rate · balance €17,238.90After 12 months: €478.80 rate · balance €17,278.80After 13 months: €518.70 rate · balance €17,318.70After 14 months: €558.60 rate · balance €17,358.60After 15 months: €598.50 rate · balance €17,398.50After 16 months: €638.40 rate · balance €17,438.40After 17 months: €678.30 rate · balance €17,478.30After 18 months: €718.20 rate · balance €17,518.20After 19 months: €758.10 rate · balance €17,558.10After 20 months: €798.00 rate · balance €17,598After 21 months: €837.90 rate · balance €17,637.90After 22 months: €877.80 rate · balance €17,677.80After 23 months: €917.70 rate · balance €17,717.70After 24 months: €957.60 rate · balance €17,757.60
Per year
AfterInterest up to thenBalance
1 year€479€17,279
2 years€958€17,758

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.