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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 €16,800
€496
per year, annualised · €1,006 total over 2 years
Deposit guarantee
€16,800 fully protected
Swedish scheme

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

Your calculation for €16,800

Gross interest over 2 years: €1,006.
Interest built up over 2 years
€ 0€ 500€ 1kstart1 yr2 yrs€1,006After 1 month: €41.30 rate · balance €16,841.30After 2 months: €82.60 rate · balance €16,882.60After 3 months: €123.90 rate · balance €16,923.90After 4 months: €165.20 rate · balance €16,965.20After 5 months: €206.50 rate · balance €17,006.50After 6 months: €247.80 rate · balance €17,047.80After 7 months: €289.10 rate · balance €17,089.10After 8 months: €330.40 rate · balance €17,130.40

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

€16,800 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: €371.70 rate · balance €17,171.70After 10 months: €413.00 rate · balance €17,213After 11 months: €454.30 rate · balance €17,254.30After 12 months: €495.60 rate · balance €17,295.60After 13 months: €538.12 rate · balance €17,338.12After 14 months: €580.64 rate · balance €17,380.64After 15 months: €623.16 rate · balance €17,423.16After 16 months: €665.67 rate · balance €17,465.67After 17 months: €708.19 rate · balance €17,508.19After 18 months: €750.71 rate · balance €17,550.71After 19 months: €793.23 rate · balance €17,593.23After 20 months: €835.75 rate · balance €17,635.75After 21 months: €878.27 rate · balance €17,678.27After 22 months: €920.78 rate · balance €17,720.78After 23 months: €963.30 rate · balance €17,763.30After 24 months: €1,005.82 rate · balance €17,805.82
€ 0€ 500€ 1kstart1 yr2 yrs€1,006After 1 month: €41.30 rate · balance €16,841.30After 2 months: €82.60 rate · balance €16,882.60After 3 months: €123.90 rate · balance €16,923.90After 4 months: €165.20 rate · balance €16,965.20After 5 months: €206.50 rate · balance €17,006.50After 6 months: €247.80 rate · balance €17,047.80After 7 months: €289.10 rate · balance €17,089.10After 8 months: €330.40 rate · balance €17,130.40After 9 months: €371.70 rate · balance €17,171.70After 10 months: €413.00 rate · balance €17,213After 11 months: €454.30 rate · balance €17,254.30After 12 months: €495.60 rate · balance €17,295.60After 13 months: €538.12 rate · balance €17,338.12After 14 months: €580.64 rate · balance €17,380.64After 15 months: €623.16 rate · balance €17,423.16After 16 months: €665.67 rate · balance €17,465.67After 17 months: €708.19 rate · balance €17,508.19After 18 months: €750.71 rate · balance €17,550.71After 19 months: €793.23 rate · balance €17,593.23After 20 months: €835.75 rate · balance €17,635.75After 21 months: €878.27 rate · balance €17,678.27After 22 months: €920.78 rate · balance €17,720.78After 23 months: €963.30 rate · balance €17,763.30After 24 months: €1,005.82 rate · balance €17,805.82
Per year
AfterInterest up to thenBalance
1 year€496€17,296
2 years€1,006€17,806
Is saving at a foreign bank safe? How the deposit guarantee works in Europe