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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 · 3 years · Ayvens Bank N.V. · Netherlands · Directly at the bank
Open an account at Ayvens Bank
Rate
2.95%
3 years fixed
since 14 Sep 2026
Your return on €10,000
€295
per year, annualised · €885 total over 3 years
Deposit guarantee
€10,000 fully protected
Dutch scheme

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

Your calculation for €10,000

Gross interest over 3 years: €885.
Interest built up over 3 years
€ 0€ 500start1 yr2 yrs3 yrs€885After 1 month: €24.58 rate · balance €10,024.58After 2 months: €49.17 rate · balance €10,049.17After 3 months: €73.75 rate · balance €10,073.75After 4 months: €98.33 rate · balance €10,098.33After 5 months: €122.92 rate · balance €10,122.92After 6 months: €147.50 rate · balance €10,147.50

Rate and conditions

BalanceRate
€0 – and up2.95%
Interest payout
yearly, paid out
Fees
none
Access
3 years fixed · no early withdrawal
Term
3 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

€10,000 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

2.25%2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now2.95%2.65% from 2 Sep 2026 until 14 Sep 20262.95% from 14 Sep 2026 until now
2.25%2.50%2.75%3.00%3.25%2 Sep 202610 Sep 2026now2.95%2.65% 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% · Direct2 years · 2.85% · Direct4 years · 3.10% · Direct5 years · 3.00% · Direct
After 7 months: €172.08 rate · balance €10,172.08After 8 months: €196.67 rate · balance €10,196.67After 9 months: €221.25 rate · balance €10,221.25After 10 months: €245.83 rate · balance €10,245.83After 11 months: €270.42 rate · balance €10,270.42After 12 months: €295.00 rate · balance €10,295.00After 13 months: €319.58 rate · balance €10,319.58After 14 months: €344.17 rate · balance €10,344.17After 15 months: €368.75 rate · balance €10,368.75After 16 months: €393.33 rate · balance €10,393.33After 17 months: €417.92 rate · balance €10,417.92After 18 months: €442.50 rate · balance €10,442.50After 19 months: €467.08 rate · balance €10,467.08After 20 months: €491.67 rate · balance €10,491.67After 21 months: €516.25 rate · balance €10,516.25After 22 months: €540.83 rate · balance €10,540.83After 23 months: €565.42 rate · balance €10,565.42After 24 months: €590.00 rate · balance €10,590.00After 25 months: €614.58 rate · balance €10,614.58After 26 months: €639.17 rate · balance €10,639.17After 27 months: €663.75 rate · balance €10,663.75After 28 months: €688.33 rate · balance €10,688.33After 29 months: €712.92 rate · balance €10,712.92After 30 months: €737.50 rate · balance €10,737.50After 31 months: €762.08 rate · balance €10,762.08After 32 months: €786.67 rate · balance €10,786.67After 33 months: €811.25 rate · balance €10,811.25After 34 months: €835.83 rate · balance €10,835.83After 35 months: €860.42 rate · balance €10,860.42After 36 months: €885.00 rate · balance €10,885.00
€ 0€ 500start1 yr2 yrs3 yrs€885After 1 month: €24.58 rate · balance €10,024.58After 2 months: €49.17 rate · balance €10,049.17After 3 months: €73.75 rate · balance €10,073.75After 4 months: €98.33 rate · balance €10,098.33After 5 months: €122.92 rate · balance €10,122.92After 6 months: €147.50 rate · balance €10,147.50After 7 months: €172.08 rate · balance €10,172.08After 8 months: €196.67 rate · balance €10,196.67After 9 months: €221.25 rate · balance €10,221.25After 10 months: €245.83 rate · balance €10,245.83After 11 months: €270.42 rate · balance €10,270.42After 12 months: €295.00 rate · balance €10,295.00After 13 months: €319.58 rate · balance €10,319.58After 14 months: €344.17 rate · balance €10,344.17After 15 months: €368.75 rate · balance €10,368.75After 16 months: €393.33 rate · balance €10,393.33After 17 months: €417.92 rate · balance €10,417.92After 18 months: €442.50 rate · balance €10,442.50After 19 months: €467.08 rate · balance €10,467.08After 20 months: €491.67 rate · balance €10,491.67After 21 months: €516.25 rate · balance €10,516.25After 22 months: €540.83 rate · balance €10,540.83After 23 months: €565.42 rate · balance €10,565.42After 24 months: €590.00 rate · balance €10,590.00After 25 months: €614.58 rate · balance €10,614.58After 26 months: €639.17 rate · balance €10,639.17After 27 months: €663.75 rate · balance €10,663.75After 28 months: €688.33 rate · balance €10,688.33After 29 months: €712.92 rate · balance €10,712.92After 30 months: €737.50 rate · balance €10,737.50After 31 months: €762.08 rate · balance €10,762.08After 32 months: €786.67 rate · balance €10,786.67After 33 months: €811.25 rate · balance €10,811.25After 34 months: €835.83 rate · balance €10,835.83After 35 months: €860.42 rate · balance €10,860.42After 36 months: €885.00 rate · balance €10,885.00
Per year
AfterInterest up to thenBalance
1 year€295€10,295
2 years€590€10,590
3 years€885€10,885

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

2.95% from 14 Sep 2026 until now
FromRateUntil
14 Sep 20262.95%current
2 Sep 20262.65%14 Sep 2026

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

  • 14 Sep 2026Ayvens Bank – Deposito Sparen (36 mo): 2.65% → 2.95%
  • 2 Sep 2026New: Ayvens Bank – Deposito Sparen (36 mo) 2.65%

Rate checked on 18 Sep 2026.