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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 €16,800
€496
per year, annualised · €1,487 total over 3 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 3 years: €1,487.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,487After 1 month: €41.30 rate · balance €16,841.30After 2 months: €82.60 rate · balance €16,882.60After 3 months: €123.90 rate · balance €16,923.90After 4 months: €165.20 rate · balance €16,965.20

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

€16,800 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 2026now2.95%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: €206.50 rate · balance €17,006.50After 6 months: €247.80 rate · balance €17,047.80After 7 months: €289.10 rate · balance €17,089.10After 8 months: €330.40 rate · balance €17,130.40After 9 months: €371.70 rate · balance €17,171.70After 10 months: €413.00 rate · balance €17,213After 11 months: €454.30 rate · balance €17,254.30After 12 months: €495.60 rate · balance €17,295.60After 13 months: €536.90 rate · balance €17,336.90After 14 months: €578.20 rate · balance €17,378.20After 15 months: €619.50 rate · balance €17,419.50After 16 months: €660.80 rate · balance €17,460.80After 17 months: €702.10 rate · balance €17,502.10After 18 months: €743.40 rate · balance €17,543.40After 19 months: €784.70 rate · balance €17,584.70After 20 months: €826.00 rate · balance €17,626After 21 months: €867.30 rate · balance €17,667.30After 22 months: €908.60 rate · balance €17,708.60After 23 months: €949.90 rate · balance €17,749.90After 24 months: €991.20 rate · balance €17,791.20After 25 months: €1,032.50 rate · balance €17,832.50After 26 months: €1,073.80 rate · balance €17,873.80After 27 months: €1,115.10 rate · balance €17,915.10After 28 months: €1,156.40 rate · balance €17,956.40After 29 months: €1,197.70 rate · balance €17,997.70After 30 months: €1,239.00 rate · balance €18,039After 31 months: €1,280.30 rate · balance €18,080.30After 32 months: €1,321.60 rate · balance €18,121.60After 33 months: €1,362.90 rate · balance €18,162.90After 34 months: €1,404.20 rate · balance €18,204.20After 35 months: €1,445.50 rate · balance €18,245.50After 36 months: €1,486.80 rate · balance €18,286.80
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,487After 1 month: €41.30 rate · balance €16,841.30After 2 months: €82.60 rate · balance €16,882.60After 3 months: €123.90 rate · balance €16,923.90After 4 months: €165.20 rate · balance €16,965.20After 5 months: €206.50 rate · balance €17,006.50After 6 months: €247.80 rate · balance €17,047.80After 7 months: €289.10 rate · balance €17,089.10After 8 months: €330.40 rate · balance €17,130.40After 9 months: €371.70 rate · balance €17,171.70After 10 months: €413.00 rate · balance €17,213After 11 months: €454.30 rate · balance €17,254.30After 12 months: €495.60 rate · balance €17,295.60After 13 months: €536.90 rate · balance €17,336.90After 14 months: €578.20 rate · balance €17,378.20After 15 months: €619.50 rate · balance €17,419.50After 16 months: €660.80 rate · balance €17,460.80After 17 months: €702.10 rate · balance €17,502.10After 18 months: €743.40 rate · balance €17,543.40After 19 months: €784.70 rate · balance €17,584.70After 20 months: €826.00 rate · balance €17,626After 21 months: €867.30 rate · balance €17,667.30After 22 months: €908.60 rate · balance €17,708.60After 23 months: €949.90 rate · balance €17,749.90After 24 months: €991.20 rate · balance €17,791.20After 25 months: €1,032.50 rate · balance €17,832.50After 26 months: €1,073.80 rate · balance €17,873.80After 27 months: €1,115.10 rate · balance €17,915.10After 28 months: €1,156.40 rate · balance €17,956.40After 29 months: €1,197.70 rate · balance €17,997.70After 30 months: €1,239.00 rate · balance €18,039After 31 months: €1,280.30 rate · balance €18,080.30After 32 months: €1,321.60 rate · balance €18,121.60After 33 months: €1,362.90 rate · balance €18,162.90After 34 months: €1,404.20 rate · balance €18,204.20After 35 months: €1,445.50 rate · balance €18,245.50After 36 months: €1,486.80 rate · balance €18,286.80
Per year
AfterInterest up to thenBalance
1 year€496€17,296
2 years€991€17,791
3 years€1,487€18,287

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.