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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 €25,000
€763
per year, annualised · €2,358 total over 3 years
Deposit guarantee
€25,000 fully protected
Swedish scheme

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

Your calculation for €25,000

Gross interest over 3 years: €2,358.
Interest built up over 3 years
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,358After 1 month: €63.54 rate · balance €25,063.54After 2 months: €127.08 rate · balance €25,127.08After 3 months: €190.63 rate · balance €25,190.63After 4 months: €254.17 rate · balance €25,254.17

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

€25,000 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 5 months: €317.71 rate · balance €25,317.71After 6 months: €381.25 rate · balance €25,381.25After 7 months: €444.79 rate · balance €25,444.79After 8 months: €508.33 rate · balance €25,508.33After 9 months: €571.88 rate · balance €25,571.88After 10 months: €635.42 rate · balance €25,635.42After 11 months: €698.96 rate · balance €25,698.96After 12 months: €762.50 rate · balance €25,762.50After 13 months: €827.98 rate · balance €25,827.98After 14 months: €893.46 rate · balance €25,893.46After 15 months: €958.94 rate · balance €25,958.94After 16 months: €1,024.42 rate · balance €26,024.42After 17 months: €1,089.90 rate · balance €26,089.90After 18 months: €1,155.38 rate · balance €26,155.38After 19 months: €1,220.86 rate · balance €26,220.86After 20 months: €1,286.34 rate · balance €26,286.34After 21 months: €1,351.82 rate · balance €26,351.82After 22 months: €1,417.30 rate · balance €26,417.30After 23 months: €1,482.78 rate · balance €26,482.78After 24 months: €1,548.26 rate · balance €26,548.26After 25 months: €1,615.73 rate · balance €26,615.73After 26 months: €1,683.21 rate · balance €26,683.21After 27 months: €1,750.69 rate · balance €26,750.69After 28 months: €1,818.16 rate · balance €26,818.16After 29 months: €1,885.64 rate · balance €26,885.64After 30 months: €1,953.12 rate · balance €26,953.12After 31 months: €2,020.59 rate · balance €27,020.59After 32 months: €2,088.07 rate · balance €27,088.07After 33 months: €2,155.55 rate · balance €27,155.55After 34 months: €2,223.02 rate · balance €27,223.02After 35 months: €2,290.50 rate · balance €27,290.50After 36 months: €2,357.98 rate · balance €27,357.98
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs€2,358After 1 month: €63.54 rate · balance €25,063.54After 2 months: €127.08 rate · balance €25,127.08After 3 months: €190.63 rate · balance €25,190.63After 4 months: €254.17 rate · balance €25,254.17After 5 months: €317.71 rate · balance €25,317.71After 6 months: €381.25 rate · balance €25,381.25After 7 months: €444.79 rate · balance €25,444.79After 8 months: €508.33 rate · balance €25,508.33After 9 months: €571.88 rate · balance €25,571.88After 10 months: €635.42 rate · balance €25,635.42After 11 months: €698.96 rate · balance €25,698.96After 12 months: €762.50 rate · balance €25,762.50After 13 months: €827.98 rate · balance €25,827.98After 14 months: €893.46 rate · balance €25,893.46After 15 months: €958.94 rate · balance €25,958.94After 16 months: €1,024.42 rate · balance €26,024.42After 17 months: €1,089.90 rate · balance €26,089.90After 18 months: €1,155.38 rate · balance €26,155.38After 19 months: €1,220.86 rate · balance €26,220.86After 20 months: €1,286.34 rate · balance €26,286.34After 21 months: €1,351.82 rate · balance €26,351.82After 22 months: €1,417.30 rate · balance €26,417.30After 23 months: €1,482.78 rate · balance €26,482.78After 24 months: €1,548.26 rate · balance €26,548.26After 25 months: €1,615.73 rate · balance €26,615.73After 26 months: €1,683.21 rate · balance €26,683.21After 27 months: €1,750.69 rate · balance €26,750.69After 28 months: €1,818.16 rate · balance €26,818.16After 29 months: €1,885.64 rate · balance €26,885.64After 30 months: €1,953.12 rate · balance €26,953.12After 31 months: €2,020.59 rate · balance €27,020.59After 32 months: €2,088.07 rate · balance €27,088.07After 33 months: €2,155.55 rate · balance €27,155.55After 34 months: €2,223.02 rate · balance €27,223.02After 35 months: €2,290.50 rate · balance €27,290.50After 36 months: €2,357.98 rate · balance €27,357.98
Per year
AfterInterest up to thenBalance
1 year€763€25,763
2 years€1,548€26,548
3 years€2,358€27,358
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