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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 €25,000
€750
per year, annualised · €3,750 total over 5 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 5 years: €3,750.
Interest built up over 5 years
€ 0€ 2kstart2 yrs4 yrs€3,750After 1 month: €62.50 rate · balance €25,062.50

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

€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

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 2 months: €125 rate · balance €25,125After 3 months: €187.50 rate · balance €25,187.50After 4 months: €250 rate · balance €25,250After 5 months: €312.50 rate · balance €25,312.50After 6 months: €375 rate · balance €25,375After 7 months: €437.50 rate · balance €25,437.50After 8 months: €500 rate · balance €25,500After 9 months: €562.50 rate · balance €25,562.50After 10 months: €625 rate · balance €25,625After 11 months: €687.50 rate · balance €25,687.50After 12 months: €750 rate · balance €25,750After 13 months: €812.50 rate · balance €25,812.50After 14 months: €875 rate · balance €25,875After 15 months: €937.50 rate · balance €25,937.50After 16 months: €1,000 rate · balance €26,000After 17 months: €1,062.50 rate · balance €26,062.50After 18 months: €1,125 rate · balance €26,125After 19 months: €1,187.50 rate · balance €26,187.50After 20 months: €1,250 rate · balance €26,250After 21 months: €1,312.50 rate · balance €26,312.50After 22 months: €1,375 rate · balance €26,375After 23 months: €1,437.50 rate · balance €26,437.50After 24 months: €1,500 rate · balance €26,500After 25 months: €1,562.50 rate · balance €26,562.50After 26 months: €1,625 rate · balance €26,625After 27 months: €1,687.50 rate · balance €26,687.50After 28 months: €1,750 rate · balance €26,750After 29 months: €1,812.50 rate · balance €26,812.50After 30 months: €1,875 rate · balance €26,875After 31 months: €1,937.50 rate · balance €26,937.50After 32 months: €2,000 rate · balance €27,000After 33 months: €2,062.50 rate · balance €27,062.50After 34 months: €2,125 rate · balance €27,125After 35 months: €2,187.50 rate · balance €27,187.50After 36 months: €2,250 rate · balance €27,250After 37 months: €2,312.50 rate · balance €27,312.50After 38 months: €2,375 rate · balance €27,375After 39 months: €2,437.50 rate · balance €27,437.50After 40 months: €2,500 rate · balance €27,500After 41 months: €2,562.50 rate · balance €27,562.50After 42 months: €2,625 rate · balance €27,625After 43 months: €2,687.50 rate · balance €27,687.50After 44 months: €2,750 rate · balance €27,750After 45 months: €2,812.50 rate · balance €27,812.50After 46 months: €2,875 rate · balance €27,875After 47 months: €2,937.50 rate · balance €27,937.50After 48 months: €3,000 rate · balance €28,000After 49 months: €3,062.50 rate · balance €28,062.50After 50 months: €3,125 rate · balance €28,125After 51 months: €3,187.50 rate · balance €28,187.50After 52 months: €3,250 rate · balance €28,250After 53 months: €3,312.50 rate · balance €28,312.50After 54 months: €3,375 rate · balance €28,375After 55 months: €3,437.50 rate · balance €28,437.50After 56 months: €3,500 rate · balance €28,500After 57 months: €3,562.50 rate · balance €28,562.50After 58 months: €3,625 rate · balance €28,625After 59 months: €3,687.50 rate · balance €28,687.50After 60 months: €3,750 rate · balance €28,750
€ 0€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs€3,750After 1 month: €62.50 rate · balance €25,062.50After 2 months: €125 rate · balance €25,125After 3 months: €187.50 rate · balance €25,187.50After 4 months: €250 rate · balance €25,250After 5 months: €312.50 rate · balance €25,312.50After 6 months: €375 rate · balance €25,375After 7 months: €437.50 rate · balance €25,437.50After 8 months: €500 rate · balance €25,500After 9 months: €562.50 rate · balance €25,562.50After 10 months: €625 rate · balance €25,625After 11 months: €687.50 rate · balance €25,687.50After 12 months: €750 rate · balance €25,750After 13 months: €812.50 rate · balance €25,812.50After 14 months: €875 rate · balance €25,875After 15 months: €937.50 rate · balance €25,937.50After 16 months: €1,000 rate · balance €26,000After 17 months: €1,062.50 rate · balance €26,062.50After 18 months: €1,125 rate · balance €26,125After 19 months: €1,187.50 rate · balance €26,187.50After 20 months: €1,250 rate · balance €26,250After 21 months: €1,312.50 rate · balance €26,312.50After 22 months: €1,375 rate · balance €26,375After 23 months: €1,437.50 rate · balance €26,437.50After 24 months: €1,500 rate · balance €26,500After 25 months: €1,562.50 rate · balance €26,562.50After 26 months: €1,625 rate · balance €26,625After 27 months: €1,687.50 rate · balance €26,687.50After 28 months: €1,750 rate · balance €26,750After 29 months: €1,812.50 rate · balance €26,812.50After 30 months: €1,875 rate · balance €26,875After 31 months: €1,937.50 rate · balance €26,937.50After 32 months: €2,000 rate · balance €27,000After 33 months: €2,062.50 rate · balance €27,062.50After 34 months: €2,125 rate · balance €27,125After 35 months: €2,187.50 rate · balance €27,187.50After 36 months: €2,250 rate · balance €27,250After 37 months: €2,312.50 rate · balance €27,312.50After 38 months: €2,375 rate · balance €27,375After 39 months: €2,437.50 rate · balance €27,437.50After 40 months: €2,500 rate · balance €27,500After 41 months: €2,562.50 rate · balance €27,562.50After 42 months: €2,625 rate · balance €27,625After 43 months: €2,687.50 rate · balance €27,687.50After 44 months: €2,750 rate · balance €27,750After 45 months: €2,812.50 rate · balance €27,812.50After 46 months: €2,875 rate · balance €27,875After 47 months: €2,937.50 rate · balance €27,937.50After 48 months: €3,000 rate · balance €28,000After 49 months: €3,062.50 rate · balance €28,062.50After 50 months: €3,125 rate · balance €28,125After 51 months: €3,187.50 rate · balance €28,187.50After 52 months: €3,250 rate · balance €28,250After 53 months: €3,312.50 rate · balance €28,312.50After 54 months: €3,375 rate · balance €28,375After 55 months: €3,437.50 rate · balance €28,437.50After 56 months: €3,500 rate · balance €28,500After 57 months: €3,562.50 rate · balance €28,562.50After 58 months: €3,625 rate · balance €28,625After 59 months: €3,687.50 rate · balance €28,687.50After 60 months: €3,750 rate · balance €28,750
Per year
AfterInterest up to thenBalance
1 year€750€25,750
2 years€1,500€26,500
3 years€2,250€27,250
4 years€3,000€28,000
5 years€3,750€28,750

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