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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 €25,000
€738
per year, annualised · €2,213 total over 3 years
Deposit guarantee
€25,000 fully protected
Dutch scheme

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

Your calculation for €25,000

Gross interest over 3 years: €2,213.
Interest built up over 3 years
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,212After 1 month: €61.46 rate · balance €25,061.46After 2 months: €122.92 rate · balance €25,122.92After 3 months: €184.37 rate · balance €25,184.37After 4 months: €245.83 rate · balance €25,245.83

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

€25,000 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 5 months: €307.29 rate · balance €25,307.29After 6 months: €368.75 rate · balance €25,368.75After 7 months: €430.21 rate · balance €25,430.21After 8 months: €491.67 rate · balance €25,491.67After 9 months: €553.12 rate · balance €25,553.12After 10 months: €614.58 rate · balance €25,614.58After 11 months: €676.04 rate · balance €25,676.04After 12 months: €737.50 rate · balance €25,737.50After 13 months: €798.96 rate · balance €25,798.96After 14 months: €860.42 rate · balance €25,860.42After 15 months: €921.87 rate · balance €25,921.87After 16 months: €983.33 rate · balance €25,983.33After 17 months: €1,044.79 rate · balance €26,044.79After 18 months: €1,106.25 rate · balance €26,106.25After 19 months: €1,167.71 rate · balance €26,167.71After 20 months: €1,229.17 rate · balance €26,229.17After 21 months: €1,290.62 rate · balance €26,290.62After 22 months: €1,352.08 rate · balance €26,352.08After 23 months: €1,413.54 rate · balance €26,413.54After 24 months: €1,475.00 rate · balance €26,475.00After 25 months: €1,536.46 rate · balance €26,536.46After 26 months: €1,597.92 rate · balance €26,597.92After 27 months: €1,659.37 rate · balance €26,659.37After 28 months: €1,720.83 rate · balance €26,720.83After 29 months: €1,782.29 rate · balance €26,782.29After 30 months: €1,843.75 rate · balance €26,843.75After 31 months: €1,905.21 rate · balance €26,905.21After 32 months: €1,966.67 rate · balance €26,966.67After 33 months: €2,028.12 rate · balance €27,028.12After 34 months: €2,089.58 rate · balance €27,089.58After 35 months: €2,151.04 rate · balance €27,151.04After 36 months: €2,212.50 rate · balance €27,212.50
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,212After 1 month: €61.46 rate · balance €25,061.46After 2 months: €122.92 rate · balance €25,122.92After 3 months: €184.37 rate · balance €25,184.37After 4 months: €245.83 rate · balance €25,245.83After 5 months: €307.29 rate · balance €25,307.29After 6 months: €368.75 rate · balance €25,368.75After 7 months: €430.21 rate · balance €25,430.21After 8 months: €491.67 rate · balance €25,491.67After 9 months: €553.12 rate · balance €25,553.12After 10 months: €614.58 rate · balance €25,614.58After 11 months: €676.04 rate · balance €25,676.04After 12 months: €737.50 rate · balance €25,737.50After 13 months: €798.96 rate · balance €25,798.96After 14 months: €860.42 rate · balance €25,860.42After 15 months: €921.87 rate · balance €25,921.87After 16 months: €983.33 rate · balance €25,983.33After 17 months: €1,044.79 rate · balance €26,044.79After 18 months: €1,106.25 rate · balance €26,106.25After 19 months: €1,167.71 rate · balance €26,167.71After 20 months: €1,229.17 rate · balance €26,229.17After 21 months: €1,290.62 rate · balance €26,290.62After 22 months: €1,352.08 rate · balance €26,352.08After 23 months: €1,413.54 rate · balance €26,413.54After 24 months: €1,475.00 rate · balance €26,475.00After 25 months: €1,536.46 rate · balance €26,536.46After 26 months: €1,597.92 rate · balance €26,597.92After 27 months: €1,659.37 rate · balance €26,659.37After 28 months: €1,720.83 rate · balance €26,720.83After 29 months: €1,782.29 rate · balance €26,782.29After 30 months: €1,843.75 rate · balance €26,843.75After 31 months: €1,905.21 rate · balance €26,905.21After 32 months: €1,966.67 rate · balance €26,966.67After 33 months: €2,028.12 rate · balance €27,028.12After 34 months: €2,089.58 rate · balance €27,089.58After 35 months: €2,151.04 rate · balance €27,151.04After 36 months: €2,212.50 rate · balance €27,212.50
Per year
AfterInterest up to thenBalance
1 year€737€25,737
2 years€1,475€26,475
3 years€2,212€27,212

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.