Avarda BankTermijndeposito
Deposit · 18 months · Avarda Bank AB · Sweden · via Raisin
- Rate
- 3.20%
- 18 months fixed
- since 22 Oct 2026
- EffectiveThe effective annual rate for €16,800: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 3.21%
- for €16,800
- Your return on €16,800
- €539
- per year, annualised · €815 total over 18 months
- Deposit guarantee
- €16,800 fully protectedSwedish scheme
Avarda Bank AB · Insättningsgarantin (Riksgälden) · €104,000 per person per bank
Your calculation for €16,800
Gross interest over 18 months: €815.
Interest built up over 18 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.20% |
- Interest payout
- yearly, compounded (interest on interest)
- Fees
- none
- Rate valid since
- 22 Oct 2026
- Access
- 18 months fixed · no early withdrawal
- Term
- 18 months
- 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
€16,800 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-disclosuresource ↗ · 2 Nov 2026
details
Riksgälden
Taxes
- Country
- Sweden
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Sweden withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 22 Oct 2026 | 3.20% | current |
| 1 Oct 2026 | 3.15% | 22 Oct 2026 |
| 14 Sep 2026 | 2.95% | 1 Oct 2026 |
| 2 Sep 2026 | 2.80% | 14 Sep 2026 |
All historic rates of Avarda Bank →All savings products of Avarda Bank →
- 22 Oct 2026Avarda Bank – Termijndeposito (18 mo): 3.15% → 3.20%
- 1 Oct 2026Avarda Bank – Termijndeposito (18 mo): 2.95% → 3.15%
- 14 Sep 2026Avarda Bank – Termijndeposito (18 mo): 2.80% → 2.95%
- 2 Sep 2026New: Avarda Bank – Termijndeposito (18 mo) 2.80%
Rate checked on 2 Nov 2026.