Ayvens BankFlexibel Sparen (Online Spaarrekening)
Instant access · Ayvens Bank N.V. · Netherlands · Directly at the bank
Promotional rateNew customers only
- Promotional rate
- 3.25%
- then 1.85%
- since 13 Oct 2026
- EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The promotional rate applies for 4 months on at most €500,000; after that 1.85%.
- 2.32%
- for €16,800
- Your return on €16,800
- €389
- interest per year
- Deposit guarantee
- €16,800 fully protectedDutch scheme
Ayvens Bank N.V. · Nederlandse Depositogarantie (DGS) · €100,000 per person per bank
Your calculation for €16,800
Gross interest over 1 year: €389.
Existing customers do not get the promotional rate: 1.85% → €311 over 1 year.
In the calculation: 4 months promotional rate (€182), then the base rate.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 1.85% |
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
Promotion conditions
- Promotional rate 3.25% for 4 months on at most €500,000
- New customers only
- Actierente 3,25% op jaarbasis gedurende de eerste 4 maanden na activering van een nieuwe Online Spaarrekening (maximaal spaarbedrag € 500.000), voor wie in de 12 maanden ervoor geen klant bij Ayvens Bank was; één keer per persoon, daarna de variabele rente (nu 1,85%).
- Access
- Instant access
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- unknown
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Nominale rente op jaarbasis; geen minimuminleg
- Vrij opneembaar
- Actierente voor nieuwe klanten; bestaande klanten krijgen de variabele rente
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 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 |
|---|---|---|
| 13 Oct 2026 | 3.25% | current |
| 2 Sep 2026 | 1.85% | 13 Oct 2026 |
| 17 Apr 2026 | 1.85% | 2 Sep 2026web archive |
All historic rates of Ayvens Bank →All savings products of Ayvens Bank →
- 13 Oct 2026Ayvens Bank – Flexibel Sparen (Online Spaarrekening): promotional rate 3.25% started (base rate 1.85%)
- 2 Sep 2026New: Ayvens Bank – Flexibel Sparen (Online Spaarrekening) 1.85%
Rate checked on 2 Nov 2026.