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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 · 5 years · Ayvens Bank N.V. · Netherlands · Directly at the bank
Open an account at Ayvens Bank
Rate
3.00%
5 years fixed
Your return on €16,600
€498
per year, annualised · €2,490 total over 5 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 5 years: €2,490.
Interest built up over 5 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,490

Rate and conditions

BalanceRate
€0 – and up3.00%
Interest payout
yearly, paid out
Fees
none
Access
5 years fixed · no early withdrawal
Term
5 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

3.00% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Ayvens Bank →All savings products of Ayvens Bank →

  • 2 Sep 2026New: Ayvens Bank – Deposito Sparen (60 mo) 3.00%

Rate checked on 18 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% · Direct3 years · 2.95% · Direct4 years · 3.10% · Direct
After 1 month: €41.50 rate · balance €16,641.50After 2 months: €83 rate · balance €16,683After 3 months: €124.50 rate · balance €16,724.50After 4 months: €166 rate · balance €16,766After 5 months: €207.50 rate · balance €16,807.50After 6 months: €249 rate · balance €16,849After 7 months: €290.50 rate · balance €16,890.50After 8 months: €332 rate · balance €16,932After 9 months: €373.50 rate · balance €16,973.50After 10 months: €415 rate · balance €17,015After 11 months: €456.50 rate · balance €17,056.50After 12 months: €498 rate · balance €17,098After 13 months: €539.50 rate · balance €17,139.50After 14 months: €581 rate · balance €17,181After 15 months: €622.50 rate · balance €17,222.50After 16 months: €664 rate · balance €17,264After 17 months: €705.50 rate · balance €17,305.50After 18 months: €747 rate · balance €17,347After 19 months: €788.50 rate · balance €17,388.50After 20 months: €830 rate · balance €17,430After 21 months: €871.50 rate · balance €17,471.50After 22 months: €913 rate · balance €17,513After 23 months: €954.50 rate · balance €17,554.50After 24 months: €996 rate · balance €17,596After 25 months: €1,037.50 rate · balance €17,637.50After 26 months: €1,079 rate · balance €17,679After 27 months: €1,120.50 rate · balance €17,720.50After 28 months: €1,162 rate · balance €17,762After 29 months: €1,203.50 rate · balance €17,803.50After 30 months: €1,245 rate · balance €17,845After 31 months: €1,286.50 rate · balance €17,886.50After 32 months: €1,328 rate · balance €17,928After 33 months: €1,369.50 rate · balance €17,969.50After 34 months: €1,411 rate · balance €18,011After 35 months: €1,452.50 rate · balance €18,052.50After 36 months: €1,494 rate · balance €18,094After 37 months: €1,535.50 rate · balance €18,135.50After 38 months: €1,577 rate · balance €18,177After 39 months: €1,618.50 rate · balance €18,218.50After 40 months: €1,660 rate · balance €18,260After 41 months: €1,701.50 rate · balance €18,301.50After 42 months: €1,743 rate · balance €18,343After 43 months: €1,784.50 rate · balance €18,384.50After 44 months: €1,826 rate · balance €18,426After 45 months: €1,867.50 rate · balance €18,467.50After 46 months: €1,909 rate · balance €18,509After 47 months: €1,950.50 rate · balance €18,550.50After 48 months: €1,992 rate · balance €18,592After 49 months: €2,033.50 rate · balance €18,633.50After 50 months: €2,075 rate · balance €18,675After 51 months: €2,116.50 rate · balance €18,716.50After 52 months: €2,158 rate · balance €18,758After 53 months: €2,199.50 rate · balance €18,799.50After 54 months: €2,241 rate · balance €18,841After 55 months: €2,282.50 rate · balance €18,882.50After 56 months: €2,324 rate · balance €18,924After 57 months: €2,365.50 rate · balance €18,965.50After 58 months: €2,407 rate · balance €19,007After 59 months: €2,448.50 rate · balance €19,048.50After 60 months: €2,490 rate · balance €19,090
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs€2,490After 1 month: €41.50 rate · balance €16,641.50After 2 months: €83 rate · balance €16,683After 3 months: €124.50 rate · balance €16,724.50After 4 months: €166 rate · balance €16,766After 5 months: €207.50 rate · balance €16,807.50After 6 months: €249 rate · balance €16,849After 7 months: €290.50 rate · balance €16,890.50After 8 months: €332 rate · balance €16,932After 9 months: €373.50 rate · balance €16,973.50After 10 months: €415 rate · balance €17,015After 11 months: €456.50 rate · balance €17,056.50After 12 months: €498 rate · balance €17,098After 13 months: €539.50 rate · balance €17,139.50After 14 months: €581 rate · balance €17,181After 15 months: €622.50 rate · balance €17,222.50After 16 months: €664 rate · balance €17,264After 17 months: €705.50 rate · balance €17,305.50After 18 months: €747 rate · balance €17,347After 19 months: €788.50 rate · balance €17,388.50After 20 months: €830 rate · balance €17,430After 21 months: €871.50 rate · balance €17,471.50After 22 months: €913 rate · balance €17,513After 23 months: €954.50 rate · balance €17,554.50After 24 months: €996 rate · balance €17,596After 25 months: €1,037.50 rate · balance €17,637.50After 26 months: €1,079 rate · balance €17,679After 27 months: €1,120.50 rate · balance €17,720.50After 28 months: €1,162 rate · balance €17,762After 29 months: €1,203.50 rate · balance €17,803.50After 30 months: €1,245 rate · balance €17,845After 31 months: €1,286.50 rate · balance €17,886.50After 32 months: €1,328 rate · balance €17,928After 33 months: €1,369.50 rate · balance €17,969.50After 34 months: €1,411 rate · balance €18,011After 35 months: €1,452.50 rate · balance €18,052.50After 36 months: €1,494 rate · balance €18,094After 37 months: €1,535.50 rate · balance €18,135.50After 38 months: €1,577 rate · balance €18,177After 39 months: €1,618.50 rate · balance €18,218.50After 40 months: €1,660 rate · balance €18,260After 41 months: €1,701.50 rate · balance €18,301.50After 42 months: €1,743 rate · balance €18,343After 43 months: €1,784.50 rate · balance €18,384.50After 44 months: €1,826 rate · balance €18,426After 45 months: €1,867.50 rate · balance €18,467.50After 46 months: €1,909 rate · balance €18,509After 47 months: €1,950.50 rate · balance €18,550.50After 48 months: €1,992 rate · balance €18,592After 49 months: €2,033.50 rate · balance €18,633.50After 50 months: €2,075 rate · balance €18,675After 51 months: €2,116.50 rate · balance €18,716.50After 52 months: €2,158 rate · balance €18,758After 53 months: €2,199.50 rate · balance €18,799.50After 54 months: €2,241 rate · balance €18,841After 55 months: €2,282.50 rate · balance €18,882.50After 56 months: €2,324 rate · balance €18,924After 57 months: €2,365.50 rate · balance €18,965.50After 58 months: €2,407 rate · balance €19,007After 59 months: €2,448.50 rate · balance €19,048.50After 60 months: €2,490 rate · balance €19,090
Per year
AfterInterest up to thenBalance
1 year€498€17,098
2 years€996€17,596
3 years€1,494€18,094
4 years€1,992€18,592
5 years€2,490€19,090

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe