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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 €16,600
€490
per year, annualised · €1,469 total over 3 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 3 years: €1,469.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,469After 1 month: €40.81 rate · balance €16,640.81After 2 months: €81.62 rate · balance €16,681.62After 3 months: €122.42 rate · balance €16,722.42After 4 months: €163.23 rate · balance €16,763.23

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

€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 2026now2.95%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 5 months: €204.04 rate · balance €16,804.04After 6 months: €244.85 rate · balance €16,844.85After 7 months: €285.66 rate · balance €16,885.66After 8 months: €326.47 rate · balance €16,926.47After 9 months: €367.27 rate · balance €16,967.27After 10 months: €408.08 rate · balance €17,008.08After 11 months: €448.89 rate · balance €17,048.89After 12 months: €489.70 rate · balance €17,089.70After 13 months: €530.51 rate · balance €17,130.51After 14 months: €571.32 rate · balance €17,171.32After 15 months: €612.12 rate · balance €17,212.12After 16 months: €652.93 rate · balance €17,252.93After 17 months: €693.74 rate · balance €17,293.74After 18 months: €734.55 rate · balance €17,334.55After 19 months: €775.36 rate · balance €17,375.36After 20 months: €816.17 rate · balance €17,416.17After 21 months: €856.97 rate · balance €17,456.97After 22 months: €897.78 rate · balance €17,497.78After 23 months: €938.59 rate · balance €17,538.59After 24 months: €979.40 rate · balance €17,579.40After 25 months: €1,020.21 rate · balance €17,620.21After 26 months: €1,061.02 rate · balance €17,661.02After 27 months: €1,101.82 rate · balance €17,701.82After 28 months: €1,142.63 rate · balance €17,742.63After 29 months: €1,183.44 rate · balance €17,783.44After 30 months: €1,224.25 rate · balance €17,824.25After 31 months: €1,265.06 rate · balance €17,865.06After 32 months: €1,305.87 rate · balance €17,905.87After 33 months: €1,346.67 rate · balance €17,946.67After 34 months: €1,387.48 rate · balance €17,987.48After 35 months: €1,428.29 rate · balance €18,028.29After 36 months: €1,469.10 rate · balance €18,069.10
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,469After 1 month: €40.81 rate · balance €16,640.81After 2 months: €81.62 rate · balance €16,681.62After 3 months: €122.42 rate · balance €16,722.42After 4 months: €163.23 rate · balance €16,763.23After 5 months: €204.04 rate · balance €16,804.04After 6 months: €244.85 rate · balance €16,844.85After 7 months: €285.66 rate · balance €16,885.66After 8 months: €326.47 rate · balance €16,926.47After 9 months: €367.27 rate · balance €16,967.27After 10 months: €408.08 rate · balance €17,008.08After 11 months: €448.89 rate · balance €17,048.89After 12 months: €489.70 rate · balance €17,089.70After 13 months: €530.51 rate · balance €17,130.51After 14 months: €571.32 rate · balance €17,171.32After 15 months: €612.12 rate · balance €17,212.12After 16 months: €652.93 rate · balance €17,252.93After 17 months: €693.74 rate · balance €17,293.74After 18 months: €734.55 rate · balance €17,334.55After 19 months: €775.36 rate · balance €17,375.36After 20 months: €816.17 rate · balance €17,416.17After 21 months: €856.97 rate · balance €17,456.97After 22 months: €897.78 rate · balance €17,497.78After 23 months: €938.59 rate · balance €17,538.59After 24 months: €979.40 rate · balance €17,579.40After 25 months: €1,020.21 rate · balance €17,620.21After 26 months: €1,061.02 rate · balance €17,661.02After 27 months: €1,101.82 rate · balance €17,701.82After 28 months: €1,142.63 rate · balance €17,742.63After 29 months: €1,183.44 rate · balance €17,783.44After 30 months: €1,224.25 rate · balance €17,824.25After 31 months: €1,265.06 rate · balance €17,865.06After 32 months: €1,305.87 rate · balance €17,905.87After 33 months: €1,346.67 rate · balance €17,946.67After 34 months: €1,387.48 rate · balance €17,987.48After 35 months: €1,428.29 rate · balance €18,028.29After 36 months: €1,469.10 rate · balance €18,069.10
Per year
AfterInterest up to thenBalance
1 year€490€17,090
2 years€979€17,579
3 years€1,469€18,069

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.