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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 Avarda Bank
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Avarda BankTermijndeposito

Deposit · 2 years · Avarda Bank AB · Sweden · via Raisin
Open an account at Avarda Bank
Rate
2.95%
2 years fixed
Your return on €100,000
€2,950
per year, annualised · €5,987 total over 2 years
Deposit guarantee
€100,000 fully protected
Swedish scheme

Avarda Bank AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank

Your calculation for €100,000

Gross interest over 2 years: €5,987.
Interest built up over 2 years
€ 0€ 2k€ 4kstart1 yr2 yrs€5,987After 1 month: €245.83 rate · balance €100,245.83After 2 months: €491.67 rate · balance €100,491.67After 3 months: €737.50 rate · balance €100,737.50After 4 months: €983.33 rate · balance €100,983.33After 5 months: €1,229.17 rate · balance €101,229.17After 6 months: €1,475.00 rate · balance €101,475.00After 7 months: €1,720.83 rate · balance €101,720.83After 8 months: €1,966.67 rate · balance €101,966.67

Rate and conditions

BalanceRate
€0 – and up2.95%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
29 Jul 2026
Access
2 years fixed · no early withdrawal
Term
2 years
Minimum deposit
€500
Maximum deposit
€100,000
Current account required
no
For whom
new and existing customers
Open via
Raisin (Raisin) · for residents of the Netherlands via Raisin
  • Rente-op-rente. Rente wordt jaarlijks bijgeschreven op het termijndeposito

Deposit guarantee

€100,000 fully protected
Swedish scheme

Avarda Bank AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank

Licence and verification
Institution
Avarda Bank AB
Status
Verified European deposit guarantee scheme
Scheme
Insättningsgarantin (Riksgälden) (Sweden)
Guarantee
1150000.00 SEK per person per institution (≈ €104,000)
Verification
Raisin wettelijke DGS-disclosure
detailsRiksgälden
source ↗ · 18 Sep 2026
Taxes
Country
Sweden
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Zweden heft geen bronbelasting op spaarrente van niet-ingezetenen.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Read on:

Rate history

2.95% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

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

  • 2 Sep 2026New: Avarda Bank – Termijndeposito (24 mo) 2.95%

Rate checked on 18 Sep 2026.

Other offers from Avarda Bank

Instant access · 2.20% · Raisin6 months · 2.75% · Raisin1 year · 2.90% · Raisin18 months · 2.95% · Raisin3 years · 3.05% · Raisin4 years · 3.15% · Raisin5 years · 3.25% · Raisin
After 9 months: €2,212.50 rate · balance €102,212.50After 10 months: €2,458.33 rate · balance €102,458.33After 11 months: €2,704.17 rate · balance €102,704.17After 12 months: €2,950.00 rate · balance €102,950.00After 13 months: €3,203.09 rate · balance €103,203.09After 14 months: €3,456.17 rate · balance €103,456.17After 15 months: €3,709.26 rate · balance €103,709.26After 16 months: €3,962.34 rate · balance €103,962.34After 17 months: €4,215.43 rate · balance €104,215.43After 18 months: €4,468.51 rate · balance €104,468.51After 19 months: €4,721.60 rate · balance €104,721.60After 20 months: €4,974.68 rate · balance €104,974.68After 21 months: €5,227.77 rate · balance €105,227.77After 22 months: €5,480.85 rate · balance €105,480.85After 23 months: €5,733.94 rate · balance €105,733.94After 24 months: €5,987.02 rate · balance €105,987.02
€ 0€ 2k€ 4kstart1 yr2 yrs€5,987After 1 month: €245.83 rate · balance €100,245.83After 2 months: €491.67 rate · balance €100,491.67After 3 months: €737.50 rate · balance €100,737.50After 4 months: €983.33 rate · balance €100,983.33After 5 months: €1,229.17 rate · balance €101,229.17After 6 months: €1,475.00 rate · balance €101,475.00After 7 months: €1,720.83 rate · balance €101,720.83After 8 months: €1,966.67 rate · balance €101,966.67After 9 months: €2,212.50 rate · balance €102,212.50After 10 months: €2,458.33 rate · balance €102,458.33After 11 months: €2,704.17 rate · balance €102,704.17After 12 months: €2,950.00 rate · balance €102,950.00After 13 months: €3,203.09 rate · balance €103,203.09After 14 months: €3,456.17 rate · balance €103,456.17After 15 months: €3,709.26 rate · balance €103,709.26After 16 months: €3,962.34 rate · balance €103,962.34After 17 months: €4,215.43 rate · balance €104,215.43After 18 months: €4,468.51 rate · balance €104,468.51After 19 months: €4,721.60 rate · balance €104,721.60After 20 months: €4,974.68 rate · balance €104,974.68After 21 months: €5,227.77 rate · balance €105,227.77After 22 months: €5,480.85 rate · balance €105,480.85After 23 months: €5,733.94 rate · balance €105,733.94After 24 months: €5,987.02 rate · balance €105,987.02
Per year
AfterInterest up to thenBalance
1 year€2,950€102,950
2 years€5,987€105,987
Is saving at a foreign bank safe? How the deposit guarantee works in Europe