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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 · 4 years · Avarda Bank AB · Sweden · via Raisin
Open an account at Avarda Bank
Rate
3.15%
4 years fixed
Your return on €10,000
€315
per year, annualised · €1,321 total over 4 years
Deposit guarantee
€10,000 fully protected
Swedish scheme

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

Your calculation for €10,000

Gross interest over 4 years: €1,321.
Interest built up over 4 years
€ 0€ 500€ 1kstart2 yrs4 yrs€1,321After 1 month: €26.25 rate · balance €10,026.25After 2 months: €52.50 rate · balance €10,052.50

Rate and conditions

BalanceRate
€0 – and up3.15%
Interest payout
yearly, compounded (interest on interest)
Fees
none
Rate valid since
29 Jul 2026
Access
4 years fixed · no early withdrawal
Term
4 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

€10,000 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

3.15% 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 (48 mo) 3.15%

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% · Raisin3 years · 3.05% · Raisin5 years · 3.25% · Raisin
After 3 months: €78.75 rate · balance €10,078.75After 4 months: €105 rate · balance €10,105After 5 months: €131.25 rate · balance €10,131.25After 6 months: €157.50 rate · balance €10,157.50After 7 months: €183.75 rate · balance €10,183.75After 8 months: €210 rate · balance €10,210After 9 months: €236.25 rate · balance €10,236.25After 10 months: €262.50 rate · balance €10,262.50After 11 months: €288.75 rate · balance €10,288.75After 12 months: €315 rate · balance €10,315After 13 months: €342.08 rate · balance €10,342.08After 14 months: €369.15 rate · balance €10,369.15After 15 months: €396.23 rate · balance €10,396.23After 16 months: €423.31 rate · balance €10,423.31After 17 months: €450.38 rate · balance €10,450.38After 18 months: €477.46 rate · balance €10,477.46After 19 months: €504.54 rate · balance €10,504.54After 20 months: €531.62 rate · balance €10,531.62After 21 months: €558.69 rate · balance €10,558.69After 22 months: €585.77 rate · balance €10,585.77After 23 months: €612.85 rate · balance €10,612.85After 24 months: €639.92 rate · balance €10,639.92After 25 months: €667.85 rate · balance €10,667.85After 26 months: €695.78 rate · balance €10,695.78After 27 months: €723.71 rate · balance €10,723.71After 28 months: €751.64 rate · balance €10,751.64After 29 months: €779.57 rate · balance €10,779.57After 30 months: €807.50 rate · balance €10,807.50After 31 months: €835.43 rate · balance €10,835.43After 32 months: €863.36 rate · balance €10,863.36After 33 months: €891.29 rate · balance €10,891.29After 34 months: €919.22 rate · balance €10,919.22After 35 months: €947.15 rate · balance €10,947.15After 36 months: €975.08 rate · balance €10,975.08After 37 months: €1,003.89 rate · balance €11,003.89After 38 months: €1,032.70 rate · balance €11,032.70After 39 months: €1,061.51 rate · balance €11,061.51After 40 months: €1,090.32 rate · balance €11,090.32After 41 months: €1,119.13 rate · balance €11,119.13After 42 months: €1,147.94 rate · balance €11,147.94After 43 months: €1,176.75 rate · balance €11,176.75After 44 months: €1,205.56 rate · balance €11,205.56After 45 months: €1,234.37 rate · balance €11,234.37After 46 months: €1,263.18 rate · balance €11,263.18After 47 months: €1,291.99 rate · balance €11,291.99After 48 months: €1,320.80 rate · balance €11,320.80
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs4 yrs€1,321After 1 month: €26.25 rate · balance €10,026.25After 2 months: €52.50 rate · balance €10,052.50After 3 months: €78.75 rate · balance €10,078.75After 4 months: €105 rate · balance €10,105After 5 months: €131.25 rate · balance €10,131.25After 6 months: €157.50 rate · balance €10,157.50After 7 months: €183.75 rate · balance €10,183.75After 8 months: €210 rate · balance €10,210After 9 months: €236.25 rate · balance €10,236.25After 10 months: €262.50 rate · balance €10,262.50After 11 months: €288.75 rate · balance €10,288.75After 12 months: €315 rate · balance €10,315After 13 months: €342.08 rate · balance €10,342.08After 14 months: €369.15 rate · balance €10,369.15After 15 months: €396.23 rate · balance €10,396.23After 16 months: €423.31 rate · balance €10,423.31After 17 months: €450.38 rate · balance €10,450.38After 18 months: €477.46 rate · balance €10,477.46After 19 months: €504.54 rate · balance €10,504.54After 20 months: €531.62 rate · balance €10,531.62After 21 months: €558.69 rate · balance €10,558.69After 22 months: €585.77 rate · balance €10,585.77After 23 months: €612.85 rate · balance €10,612.85After 24 months: €639.92 rate · balance €10,639.92After 25 months: €667.85 rate · balance €10,667.85After 26 months: €695.78 rate · balance €10,695.78After 27 months: €723.71 rate · balance €10,723.71After 28 months: €751.64 rate · balance €10,751.64After 29 months: €779.57 rate · balance €10,779.57After 30 months: €807.50 rate · balance €10,807.50After 31 months: €835.43 rate · balance €10,835.43After 32 months: €863.36 rate · balance €10,863.36After 33 months: €891.29 rate · balance €10,891.29After 34 months: €919.22 rate · balance €10,919.22After 35 months: €947.15 rate · balance €10,947.15After 36 months: €975.08 rate · balance €10,975.08After 37 months: €1,003.89 rate · balance €11,003.89After 38 months: €1,032.70 rate · balance €11,032.70After 39 months: €1,061.51 rate · balance €11,061.51After 40 months: €1,090.32 rate · balance €11,090.32After 41 months: €1,119.13 rate · balance €11,119.13After 42 months: €1,147.94 rate · balance €11,147.94After 43 months: €1,176.75 rate · balance €11,176.75After 44 months: €1,205.56 rate · balance €11,205.56After 45 months: €1,234.37 rate · balance €11,234.37After 46 months: €1,263.18 rate · balance €11,263.18After 47 months: €1,291.99 rate · balance €11,291.99After 48 months: €1,320.80 rate · balance €11,320.80
Per year
AfterInterest up to thenBalance
1 year€315€10,315
2 years€640€10,640
3 years€975€10,975
4 years€1,321€11,321
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