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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 €100,000
€2,950
per year, annualised · €8,850 total over 3 years
Deposit guarantee
€100,000 fully protected
Dutch scheme

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

Your calculation for €100,000

Gross interest over 3 years: €8,850.
Interest built up over 3 years
€ 0€ 5kstart1 yr2 yrs3 yrs€8,850After 1 month: €245.83 rate · balance €100,245.83After 2 months: €491.67 rate · balance €100,491.67After 3 months: €737.50 rate · balance €100,737.50After 4 months: €983.33 rate · balance €100,983.33After 5 months: €1,229.17 rate · balance €101,229.17After 6 months: €1,475.00 rate · balance €101,475.00

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

€100,000 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: €1,720.83 rate · balance €101,720.83After 8 months: €1,966.67 rate · balance €101,966.67After 9 months: €2,212.50 rate · balance €102,212.50After 10 months: €2,458.33 rate · balance €102,458.33After 11 months: €2,704.17 rate · balance €102,704.17After 12 months: €2,950.00 rate · balance €102,950.00After 13 months: €3,195.83 rate · balance €103,195.83After 14 months: €3,441.67 rate · balance €103,441.67After 15 months: €3,687.50 rate · balance €103,687.50After 16 months: €3,933.33 rate · balance €103,933.33After 17 months: €4,179.17 rate · balance €104,179.17After 18 months: €4,425.00 rate · balance €104,425.00After 19 months: €4,670.83 rate · balance €104,670.83After 20 months: €4,916.67 rate · balance €104,916.67After 21 months: €5,162.50 rate · balance €105,162.50After 22 months: €5,408.33 rate · balance €105,408.33After 23 months: €5,654.17 rate · balance €105,654.17After 24 months: €5,900.00 rate · balance €105,900.00After 25 months: €6,145.83 rate · balance €106,145.83After 26 months: €6,391.67 rate · balance €106,391.67After 27 months: €6,637.50 rate · balance €106,637.50After 28 months: €6,883.33 rate · balance €106,883.33After 29 months: €7,129.17 rate · balance €107,129.17After 30 months: €7,375.00 rate · balance €107,375.00After 31 months: €7,620.83 rate · balance €107,620.83After 32 months: €7,866.67 rate · balance €107,866.67After 33 months: €8,112.50 rate · balance €108,112.50After 34 months: €8,358.33 rate · balance €108,358.33After 35 months: €8,604.17 rate · balance €108,604.17After 36 months: €8,850.00 rate · balance €108,850.00
€ 0€ 5kstart1 yr2 yrs3 yrs€8,850After 1 month: €245.83 rate · balance €100,245.83After 2 months: €491.67 rate · balance €100,491.67After 3 months: €737.50 rate · balance €100,737.50After 4 months: €983.33 rate · balance €100,983.33After 5 months: €1,229.17 rate · balance €101,229.17After 6 months: €1,475.00 rate · balance €101,475.00After 7 months: €1,720.83 rate · balance €101,720.83After 8 months: €1,966.67 rate · balance €101,966.67After 9 months: €2,212.50 rate · balance €102,212.50After 10 months: €2,458.33 rate · balance €102,458.33After 11 months: €2,704.17 rate · balance €102,704.17After 12 months: €2,950.00 rate · balance €102,950.00After 13 months: €3,195.83 rate · balance €103,195.83After 14 months: €3,441.67 rate · balance €103,441.67After 15 months: €3,687.50 rate · balance €103,687.50After 16 months: €3,933.33 rate · balance €103,933.33After 17 months: €4,179.17 rate · balance €104,179.17After 18 months: €4,425.00 rate · balance €104,425.00After 19 months: €4,670.83 rate · balance €104,670.83After 20 months: €4,916.67 rate · balance €104,916.67After 21 months: €5,162.50 rate · balance €105,162.50After 22 months: €5,408.33 rate · balance €105,408.33After 23 months: €5,654.17 rate · balance €105,654.17After 24 months: €5,900.00 rate · balance €105,900.00After 25 months: €6,145.83 rate · balance €106,145.83After 26 months: €6,391.67 rate · balance €106,391.67After 27 months: €6,637.50 rate · balance €106,637.50After 28 months: €6,883.33 rate · balance €106,883.33After 29 months: €7,129.17 rate · balance €107,129.17After 30 months: €7,375.00 rate · balance €107,375.00After 31 months: €7,620.83 rate · balance €107,620.83After 32 months: €7,866.67 rate · balance €107,866.67After 33 months: €8,112.50 rate · balance €108,112.50After 34 months: €8,358.33 rate · balance €108,358.33After 35 months: €8,604.17 rate · balance €108,604.17After 36 months: €8,850.00 rate · balance €108,850.00
Per year
AfterInterest up to thenBalance
1 year€2,950€102,950
2 years€5,900€105,900
3 years€8,850€108,850

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 19 Sep 2026.