Ayvens BankDeposito Sparen
Deposit · 4 years · Ayvens Bank N.V. · Netherlands · Directly at the bank
- Rate
- 3.40%
- 4 years fixed
- since 28 Oct 2026
- Your return on €50,000
- €1,700
- per year, annualised · €6,800 total over 4 years
- Deposit guarantee
- €50,000 fully protectedDutch scheme
Ayvens Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 4 years: €6,800.
Interest built up over 4 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €1,700 | €51,700 |
| 2 years | €3,400 | €53,400 |
| 3 years | €5,100 | €55,100 |
| 4 years | €6,800 | €56,800 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.40% |
- Interest payout
- yearly, paid out
- Fees
- none
- Access
- 4 years fixed · no early withdrawal
- Term
- 4 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
€50,000 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 depositogarantiesource ↗ · 2 Sep 2026
details
handmatig gecontroleerd in de browser op 2026-09-02; het register weigert geautomatiseerde toegang
Taxes
- Country
- Netherlands
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Netherlands withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 28 Oct 2026 | 3.40% | current |
| 14 Sep 2026 | 3.10% | 28 Oct 2026 |
| 2 Sep 2026 | 2.80% | 14 Sep 2026 |
| 17 Jul 2026 | 2.80% | 2 Sep 2026web archive |
| 17 Apr 2026 | 2.65% | 17 Jul 2026web archive |
All historic rates of Ayvens Bank →All savings products of Ayvens Bank →
- 28 Oct 2026Ayvens Bank – Deposito Sparen (48 mo): 3.10% → 3.40%
- 14 Sep 2026Ayvens Bank – Deposito Sparen (48 mo): 2.80% → 3.10%
- 2 Sep 2026New: Ayvens Bank – Deposito Sparen (48 mo) 2.80%
Rate checked on 2 Nov 2026.