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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 €100,000
€3,150
per year, annualised · €13,208 total over 4 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 4 years: €13,208.
Interest built up over 4 years
€ 0€ 5k€ 10kstart2 yrs4 yrs€13,208After 1 month: €262.50 rate · balance €100,262.50After 2 months: €525 rate · balance €100,525

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

€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

3.15% 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: €787.50 rate · balance €100,787.50After 4 months: €1,050 rate · balance €101,050After 5 months: €1,312.50 rate · balance €101,312.50After 6 months: €1,575 rate · balance €101,575After 7 months: €1,837.50 rate · balance €101,837.50After 8 months: €2,100 rate · balance €102,100After 9 months: €2,362.50 rate · balance €102,362.50After 10 months: €2,625 rate · balance €102,625After 11 months: €2,887.50 rate · balance €102,887.50After 12 months: €3,150 rate · balance €103,150After 13 months: €3,420.77 rate · balance €103,420.77After 14 months: €3,691.54 rate · balance €103,691.54After 15 months: €3,962.31 rate · balance €103,962.31After 16 months: €4,233.08 rate · balance €104,233.08After 17 months: €4,503.84 rate · balance €104,503.84After 18 months: €4,774.61 rate · balance €104,774.61After 19 months: €5,045.38 rate · balance €105,045.38After 20 months: €5,316.15 rate · balance €105,316.15After 21 months: €5,586.92 rate · balance €105,586.92After 22 months: €5,857.69 rate · balance €105,857.69After 23 months: €6,128.46 rate · balance €106,128.46After 24 months: €6,399.23 rate · balance €106,399.23After 25 months: €6,678.52 rate · balance €106,678.52After 26 months: €6,957.82 rate · balance €106,957.82After 27 months: €7,237.12 rate · balance €107,237.12After 28 months: €7,516.42 rate · balance €107,516.42After 29 months: €7,795.72 rate · balance €107,795.72After 30 months: €8,075.01 rate · balance €108,075.01After 31 months: €8,354.31 rate · balance €108,354.31After 32 months: €8,633.61 rate · balance €108,633.61After 33 months: €8,912.91 rate · balance €108,912.91After 34 months: €9,192.21 rate · balance €109,192.21After 35 months: €9,471.50 rate · balance €109,471.50After 36 months: €9,750.80 rate · balance €109,750.80After 37 months: €10,038.90 rate · balance €110,038.90After 38 months: €10,326.99 rate · balance €110,326.99After 39 months: €10,615.09 rate · balance €110,615.09After 40 months: €10,903.19 rate · balance €110,903.19After 41 months: €11,191.28 rate · balance €111,191.28After 42 months: €11,479.38 rate · balance €111,479.38After 43 months: €11,767.47 rate · balance €111,767.47After 44 months: €12,055.57 rate · balance €112,055.57After 45 months: €12,343.66 rate · balance €112,343.66After 46 months: €12,631.76 rate · balance €112,631.76After 47 months: €12,919.86 rate · balance €112,919.86After 48 months: €13,207.95 rate · balance €113,207.95
€ 0€ 5k€ 10kstart1 yr2 yrs3 yrs4 yrs€13,208After 1 month: €262.50 rate · balance €100,262.50After 2 months: €525 rate · balance €100,525After 3 months: €787.50 rate · balance €100,787.50After 4 months: €1,050 rate · balance €101,050After 5 months: €1,312.50 rate · balance €101,312.50After 6 months: €1,575 rate · balance €101,575After 7 months: €1,837.50 rate · balance €101,837.50After 8 months: €2,100 rate · balance €102,100After 9 months: €2,362.50 rate · balance €102,362.50After 10 months: €2,625 rate · balance €102,625After 11 months: €2,887.50 rate · balance €102,887.50After 12 months: €3,150 rate · balance €103,150After 13 months: €3,420.77 rate · balance €103,420.77After 14 months: €3,691.54 rate · balance €103,691.54After 15 months: €3,962.31 rate · balance €103,962.31After 16 months: €4,233.08 rate · balance €104,233.08After 17 months: €4,503.84 rate · balance €104,503.84After 18 months: €4,774.61 rate · balance €104,774.61After 19 months: €5,045.38 rate · balance €105,045.38After 20 months: €5,316.15 rate · balance €105,316.15After 21 months: €5,586.92 rate · balance €105,586.92After 22 months: €5,857.69 rate · balance €105,857.69After 23 months: €6,128.46 rate · balance €106,128.46After 24 months: €6,399.23 rate · balance €106,399.23After 25 months: €6,678.52 rate · balance €106,678.52After 26 months: €6,957.82 rate · balance €106,957.82After 27 months: €7,237.12 rate · balance €107,237.12After 28 months: €7,516.42 rate · balance €107,516.42After 29 months: €7,795.72 rate · balance €107,795.72After 30 months: €8,075.01 rate · balance €108,075.01After 31 months: €8,354.31 rate · balance €108,354.31After 32 months: €8,633.61 rate · balance €108,633.61After 33 months: €8,912.91 rate · balance €108,912.91After 34 months: €9,192.21 rate · balance €109,192.21After 35 months: €9,471.50 rate · balance €109,471.50After 36 months: €9,750.80 rate · balance €109,750.80After 37 months: €10,038.90 rate · balance €110,038.90After 38 months: €10,326.99 rate · balance €110,326.99After 39 months: €10,615.09 rate · balance €110,615.09After 40 months: €10,903.19 rate · balance €110,903.19After 41 months: €11,191.28 rate · balance €111,191.28After 42 months: €11,479.38 rate · balance €111,479.38After 43 months: €11,767.47 rate · balance €111,767.47After 44 months: €12,055.57 rate · balance €112,055.57After 45 months: €12,343.66 rate · balance €112,343.66After 46 months: €12,631.76 rate · balance €112,631.76After 47 months: €12,919.86 rate · balance €112,919.86After 48 months: €13,207.95 rate · balance €113,207.95
Per year
AfterInterest up to thenBalance
1 year€3,150€103,150
2 years€6,399€106,399
3 years€9,751€109,751
4 years€13,208€113,208
Is saving at a foreign bank safe? How the deposit guarantee works in Europe