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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 €16,600
€523
per year, annualised · €2,193 total over 4 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 4 years: €2,193.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,193After 1 month: €43.58 rate · balance €16,643.58After 2 months: €87.15 rate · balance €16,687.15

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

€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

3.15% 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: €130.73 rate · balance €16,730.72After 4 months: €174.30 rate · balance €16,774.30After 5 months: €217.88 rate · balance €16,817.88After 6 months: €261.45 rate · balance €16,861.45After 7 months: €305.02 rate · balance €16,905.03After 8 months: €348.60 rate · balance €16,948.60After 9 months: €392.17 rate · balance €16,992.17After 10 months: €435.75 rate · balance €17,035.75After 11 months: €479.32 rate · balance €17,079.33After 12 months: €522.90 rate · balance €17,122.90After 13 months: €567.85 rate · balance €17,167.85After 14 months: €612.80 rate · balance €17,212.80After 15 months: €657.74 rate · balance €17,257.74After 16 months: €702.69 rate · balance €17,302.69After 17 months: €747.64 rate · balance €17,347.64After 18 months: €792.59 rate · balance €17,392.59After 19 months: €837.53 rate · balance €17,437.53After 20 months: €882.48 rate · balance €17,482.48After 21 months: €927.43 rate · balance €17,527.43After 22 months: €972.38 rate · balance €17,572.38After 23 months: €1,017.32 rate · balance €17,617.32After 24 months: €1,062.27 rate · balance €17,662.27After 25 months: €1,108.63 rate · balance €17,708.63After 26 months: €1,155.00 rate · balance €17,755.00After 27 months: €1,201.36 rate · balance €17,801.36After 28 months: €1,247.73 rate · balance €17,847.73After 29 months: €1,294.09 rate · balance €17,894.09After 30 months: €1,340.45 rate · balance €17,940.45After 31 months: €1,386.82 rate · balance €17,986.82After 32 months: €1,433.18 rate · balance €18,033.18After 33 months: €1,479.54 rate · balance €18,079.54After 34 months: €1,525.91 rate · balance €18,125.91After 35 months: €1,572.27 rate · balance €18,172.27After 36 months: €1,618.63 rate · balance €18,218.63After 37 months: €1,666.46 rate · balance €18,266.46After 38 months: €1,714.28 rate · balance €18,314.28After 39 months: €1,762.10 rate · balance €18,362.10After 40 months: €1,809.93 rate · balance €18,409.93After 41 months: €1,857.75 rate · balance €18,457.75After 42 months: €1,905.58 rate · balance €18,505.58After 43 months: €1,953.40 rate · balance €18,553.40After 44 months: €2,001.22 rate · balance €18,601.22After 45 months: €2,049.05 rate · balance €18,649.05After 46 months: €2,096.87 rate · balance €18,696.87After 47 months: €2,144.70 rate · balance €18,744.70After 48 months: €2,192.52 rate · balance €18,792.52
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,193After 1 month: €43.58 rate · balance €16,643.58After 2 months: €87.15 rate · balance €16,687.15After 3 months: €130.73 rate · balance €16,730.72After 4 months: €174.30 rate · balance €16,774.30After 5 months: €217.88 rate · balance €16,817.88After 6 months: €261.45 rate · balance €16,861.45After 7 months: €305.02 rate · balance €16,905.03After 8 months: €348.60 rate · balance €16,948.60After 9 months: €392.17 rate · balance €16,992.17After 10 months: €435.75 rate · balance €17,035.75After 11 months: €479.32 rate · balance €17,079.33After 12 months: €522.90 rate · balance €17,122.90After 13 months: €567.85 rate · balance €17,167.85After 14 months: €612.80 rate · balance €17,212.80After 15 months: €657.74 rate · balance €17,257.74After 16 months: €702.69 rate · balance €17,302.69After 17 months: €747.64 rate · balance €17,347.64After 18 months: €792.59 rate · balance €17,392.59After 19 months: €837.53 rate · balance €17,437.53After 20 months: €882.48 rate · balance €17,482.48After 21 months: €927.43 rate · balance €17,527.43After 22 months: €972.38 rate · balance €17,572.38After 23 months: €1,017.32 rate · balance €17,617.32After 24 months: €1,062.27 rate · balance €17,662.27After 25 months: €1,108.63 rate · balance €17,708.63After 26 months: €1,155.00 rate · balance €17,755.00After 27 months: €1,201.36 rate · balance €17,801.36After 28 months: €1,247.73 rate · balance €17,847.73After 29 months: €1,294.09 rate · balance €17,894.09After 30 months: €1,340.45 rate · balance €17,940.45After 31 months: €1,386.82 rate · balance €17,986.82After 32 months: €1,433.18 rate · balance €18,033.18After 33 months: €1,479.54 rate · balance €18,079.54After 34 months: €1,525.91 rate · balance €18,125.91After 35 months: €1,572.27 rate · balance €18,172.27After 36 months: €1,618.63 rate · balance €18,218.63After 37 months: €1,666.46 rate · balance €18,266.46After 38 months: €1,714.28 rate · balance €18,314.28After 39 months: €1,762.10 rate · balance €18,362.10After 40 months: €1,809.93 rate · balance €18,409.93After 41 months: €1,857.75 rate · balance €18,457.75After 42 months: €1,905.58 rate · balance €18,505.58After 43 months: €1,953.40 rate · balance €18,553.40After 44 months: €2,001.22 rate · balance €18,601.22After 45 months: €2,049.05 rate · balance €18,649.05After 46 months: €2,096.87 rate · balance €18,696.87After 47 months: €2,144.70 rate · balance €18,744.70After 48 months: €2,192.52 rate · balance €18,792.52
Per year
AfterInterest up to thenBalance
1 year€523€17,123
2 years€1,062€17,662
3 years€1,619€18,219
4 years€2,193€18,793
Is saving at a foreign bank safe? How the deposit guarantee works in Europe