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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 €16,600
€506
per year, annualised · €1,566 total over 3 years
Deposit guarantee
€16,600 fully protected
Swedish scheme

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

Your calculation for €16,600

Gross interest over 3 years: €1,566.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,566After 1 month: €42.19 rate · balance €16,642.19After 2 months: €84.38 rate · balance €16,684.38After 3 months: €126.58 rate · balance €16,726.58After 4 months: €168.77 rate · balance €16,768.77After 5 months: €210.96 rate · balance €16,810.96After 6 months: €253.15 rate · balance €16,853.15

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

€16,600 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: €295.34 rate · balance €16,895.34After 8 months: €337.53 rate · balance €16,937.53After 9 months: €379.73 rate · balance €16,979.73After 10 months: €421.92 rate · balance €17,021.92After 11 months: €464.11 rate · balance €17,064.11After 12 months: €506.30 rate · balance €17,106.30After 13 months: €549.78 rate · balance €17,149.78After 14 months: €593.26 rate · balance €17,193.26After 15 months: €636.74 rate · balance €17,236.74After 16 months: €680.21 rate · balance €17,280.21After 17 months: €723.69 rate · balance €17,323.69After 18 months: €767.17 rate · balance €17,367.17After 19 months: €810.65 rate · balance €17,410.65After 20 months: €854.13 rate · balance €17,454.13After 21 months: €897.61 rate · balance €17,497.61After 22 months: €941.09 rate · balance €17,541.09After 23 months: €984.56 rate · balance €17,584.56After 24 months: €1,028.04 rate · balance €17,628.04After 25 months: €1,072.85 rate · balance €17,672.85After 26 months: €1,117.65 rate · balance €17,717.65After 27 months: €1,162.46 rate · balance €17,762.46After 28 months: €1,207.26 rate · balance €17,807.26After 29 months: €1,252.07 rate · balance €17,852.07After 30 months: €1,296.87 rate · balance €17,896.87After 31 months: €1,341.67 rate · balance €17,941.67After 32 months: €1,386.48 rate · balance €17,986.48After 33 months: €1,431.28 rate · balance €18,031.28After 34 months: €1,476.09 rate · balance €18,076.09After 35 months: €1,520.89 rate · balance €18,120.89After 36 months: €1,565.70 rate · balance €18,165.70
€ 0€ 1kstart1 yr2 yrs3 yrs€1,566After 1 month: €42.19 rate · balance €16,642.19After 2 months: €84.38 rate · balance €16,684.38After 3 months: €126.58 rate · balance €16,726.58After 4 months: €168.77 rate · balance €16,768.77After 5 months: €210.96 rate · balance €16,810.96After 6 months: €253.15 rate · balance €16,853.15After 7 months: €295.34 rate · balance €16,895.34After 8 months: €337.53 rate · balance €16,937.53After 9 months: €379.73 rate · balance €16,979.73After 10 months: €421.92 rate · balance €17,021.92After 11 months: €464.11 rate · balance €17,064.11After 12 months: €506.30 rate · balance €17,106.30After 13 months: €549.78 rate · balance €17,149.78After 14 months: €593.26 rate · balance €17,193.26After 15 months: €636.74 rate · balance €17,236.74After 16 months: €680.21 rate · balance €17,280.21After 17 months: €723.69 rate · balance €17,323.69After 18 months: €767.17 rate · balance €17,367.17After 19 months: €810.65 rate · balance €17,410.65After 20 months: €854.13 rate · balance €17,454.13After 21 months: €897.61 rate · balance €17,497.61After 22 months: €941.09 rate · balance €17,541.09After 23 months: €984.56 rate · balance €17,584.56After 24 months: €1,028.04 rate · balance €17,628.04After 25 months: €1,072.85 rate · balance €17,672.85After 26 months: €1,117.65 rate · balance €17,717.65After 27 months: €1,162.46 rate · balance €17,762.46After 28 months: €1,207.26 rate · balance €17,807.26After 29 months: €1,252.07 rate · balance €17,852.07After 30 months: €1,296.87 rate · balance €17,896.87After 31 months: €1,341.67 rate · balance €17,941.67After 32 months: €1,386.48 rate · balance €17,986.48After 33 months: €1,431.28 rate · balance €18,031.28After 34 months: €1,476.09 rate · balance €18,076.09After 35 months: €1,520.89 rate · balance €18,120.89After 36 months: €1,565.70 rate · balance €18,165.70
Per year
AfterInterest up to thenBalance
1 year€506€17,106
2 years€1,028€17,628
3 years€1,566€18,166
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