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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 · 3 years · Avarda Bank AB · Sweden · via Raisin
Open an account at Avarda Bank
Rate
3.05%
3 years fixed
Your return on €100,000
€3,050
per year, annualised · €9,432 total over 3 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 3 years: €9,432.
Interest built up over 3 years
€ 0€ 5kstart1 yr2 yrs3 yrs€9,432After 1 month: €254.17 rate · balance €100,254.17After 2 months: €508.33 rate · balance €100,508.33After 3 months: €762.50 rate · balance €100,762.50After 4 months: €1,016.67 rate · balance €101,016.67After 5 months: €1,270.83 rate · balance €101,270.83After 6 months: €1,525.00 rate · balance €101,525.00

Rate and conditions

BalanceRate
€0 – and up3.05%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
29 Jul 2026
Access
3 years fixed · no early withdrawal
Term
3 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

3.05% 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 (36 mo) 3.05%

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% · Raisin2 years · 2.95% · Raisin4 years · 3.15% · Raisin5 years · 3.25% · Raisin
After 7 months: €1,779.17 rate · balance €101,779.17After 8 months: €2,033.33 rate · balance €102,033.33After 9 months: €2,287.50 rate · balance €102,287.50After 10 months: €2,541.67 rate · balance €102,541.67After 11 months: €2,795.83 rate · balance €102,795.83After 12 months: €3,050.00 rate · balance €103,050.00After 13 months: €3,311.92 rate · balance €103,311.92After 14 months: €3,573.84 rate · balance €103,573.84After 15 months: €3,835.76 rate · balance €103,835.76After 16 months: €4,097.68 rate · balance €104,097.68After 17 months: €4,359.59 rate · balance €104,359.59After 18 months: €4,621.51 rate · balance €104,621.51After 19 months: €4,883.43 rate · balance €104,883.43After 20 months: €5,145.35 rate · balance €105,145.35After 21 months: €5,407.27 rate · balance €105,407.27After 22 months: €5,669.19 rate · balance €105,669.19After 23 months: €5,931.11 rate · balance €105,931.11After 24 months: €6,193.03 rate · balance €106,193.03After 25 months: €6,462.93 rate · balance €106,462.93After 26 months: €6,732.84 rate · balance €106,732.84After 27 months: €7,002.75 rate · balance €107,002.75After 28 months: €7,272.66 rate · balance €107,272.66After 29 months: €7,542.56 rate · balance €107,542.56After 30 months: €7,812.47 rate · balance €107,812.47After 31 months: €8,082.38 rate · balance €108,082.38After 32 months: €8,352.28 rate · balance €108,352.28After 33 months: €8,622.19 rate · balance €108,622.19After 34 months: €8,892.10 rate · balance €108,892.10After 35 months: €9,162.01 rate · balance €109,162.01After 36 months: €9,431.91 rate · balance €109,431.91
€ 0€ 5kstart1 yr2 yrs3 yrs€9,432After 1 month: €254.17 rate · balance €100,254.17After 2 months: €508.33 rate · balance €100,508.33After 3 months: €762.50 rate · balance €100,762.50After 4 months: €1,016.67 rate · balance €101,016.67After 5 months: €1,270.83 rate · balance €101,270.83After 6 months: €1,525.00 rate · balance €101,525.00After 7 months: €1,779.17 rate · balance €101,779.17After 8 months: €2,033.33 rate · balance €102,033.33After 9 months: €2,287.50 rate · balance €102,287.50After 10 months: €2,541.67 rate · balance €102,541.67After 11 months: €2,795.83 rate · balance €102,795.83After 12 months: €3,050.00 rate · balance €103,050.00After 13 months: €3,311.92 rate · balance €103,311.92After 14 months: €3,573.84 rate · balance €103,573.84After 15 months: €3,835.76 rate · balance €103,835.76After 16 months: €4,097.68 rate · balance €104,097.68After 17 months: €4,359.59 rate · balance €104,359.59After 18 months: €4,621.51 rate · balance €104,621.51After 19 months: €4,883.43 rate · balance €104,883.43After 20 months: €5,145.35 rate · balance €105,145.35After 21 months: €5,407.27 rate · balance €105,407.27After 22 months: €5,669.19 rate · balance €105,669.19After 23 months: €5,931.11 rate · balance €105,931.11After 24 months: €6,193.03 rate · balance €106,193.03After 25 months: €6,462.93 rate · balance €106,462.93After 26 months: €6,732.84 rate · balance €106,732.84After 27 months: €7,002.75 rate · balance €107,002.75After 28 months: €7,272.66 rate · balance €107,272.66After 29 months: €7,542.56 rate · balance €107,542.56After 30 months: €7,812.47 rate · balance €107,812.47After 31 months: €8,082.38 rate · balance €108,082.38After 32 months: €8,352.28 rate · balance €108,352.28After 33 months: €8,622.19 rate · balance €108,622.19After 34 months: €8,892.10 rate · balance €108,892.10After 35 months: €9,162.01 rate · balance €109,162.01After 36 months: €9,431.91 rate · balance €109,431.91
Per year
AfterInterest up to thenBalance
1 year€3,050€103,050
2 years€6,193€106,193
3 years€9,432€109,432
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