{"id":17705,"date":"2019-11-18T15:10:41","date_gmt":"2019-11-18T15:10:41","guid":{"rendered":"https:\/\/www.finler.nl\/sparen\/?post_type=product&#038;p=17705"},"modified":"2026-07-17T14:11:00","modified_gmt":"2026-07-17T12:11:00","slug":"leaseplan-depositosparen","status":"publish","type":"product","link":"https:\/\/www.finler.nl\/spaarrente\/ayvens-deposito-sparen\/","title":{"rendered":"Ayvens Deposito Sparen"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column woodmart_css_id=&#8221;6a43af24ea2ce&#8221; parallax_scroll=&#8221;no&#8221; woodmart_sticky_column=&#8221;false&#8221; wd_collapsible_content_switcher=&#8221;yes&#8221; wd_collapsible_content_max_height=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidW5pdCI6InB4IiwidmFsdWUiOiI0MDAifSwidGFibGV0Ijp7InVuaXQiOiJweCIsInZhbHVlIjoiIn0sIm1vYmlsZSI6eyJ1bml0IjoicHgiLCJ2YWx1ZSI6IiJ9fX0=&#8221; wd_collapsible_content_fade_out_color=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidmFsdWUiOiIjZmZmIn19fQ==&#8221; wd_column_role_offcanvas_desktop=&#8221;no&#8221; wd_column_role_offcanvas_tablet=&#8221;no&#8221; wd_column_role_offcanvas_mobile=&#8221;no&#8221; wd_column_role_content_desktop=&#8221;no&#8221; wd_column_role_content_tablet=&#8221;no&#8221; wd_column_role_content_mobile=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YTQzYWYyNGVhMmNlIiwic2hvcnRjb2RlIjoidmNfY29sdW1uIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_reset_margin=&#8221;no&#8221; tablet_reset_margin=&#8221;no&#8221; wd_z_index=&#8221;no&#8221;][vc_column_text css=&#8221;.vc_custom_1740542779620{margin-bottom: 20px !important;}&#8221; woodmart_inline=&#8221;no&#8221; text_larger=&#8221;no&#8221;]<\/p>\n<h3>Mogelijkheden<\/h3>\n<p>Ayvens Bank biedt spaardeposito&#8217;s aan met vaste rentes en looptijden tussen 3 maanden en 5 jaar. Op een <em>Ayvens Deposito Sparen<\/em> kun je min. \u20ac1.000 en max. \u20ac2.000.000 inleggen.<\/p>\n<p>Rente wordt jaarlijks uitgekeerd. Aangezien de rente niet bij het oorspronkelijke depositobedrag, maar op de tegenrekening wordt bijgeschreven, is er geen sprake van rente-op-rente.<\/p>\n<h3>Is Ayvens Bank Betrouwbaar?<\/h3>\n<p>Ayvens Bank, voorheen bekend als LeasePlan Bank, is een Nederlandse internetbank die onder toezicht valt van De Nederlandsche Bank (DNB) en de Autoriteit Financi\u00eble Markten (AFM).<\/p>\n<p>Spaargeld valt onder het Nederlandse depositogarantiestelsel. Hiermee zijn spaartegoeden tot \u20ac100.000 beschermd. Bij een eventueel faillissement van de bank word je spaarbedrag binnen <em>7 dagen<\/em> door het garantiefonds uitgekeerd.<\/p>\n<p>Het saldo op je <em>Ayvens Deposito Sparen<\/em><em>\u00a0<\/em>is in euro\u2019s, dus ook de rente die je krijgt uitgekeerd. Om een deposito te kunnen openen, is een <a href=\"https:\/\/www.finler.nl\/spaarrente\/ayvens-spaarrekening\/\">Ayvens Flexibel Sparen<\/a> als tegenrekening verplicht.<\/p>\n<h3>Tussentijds be\u00ebindigen<\/h3>\n<p>Na het openen van deze depositorekening, heb je een herroepingstermijn van 14 kalenderdagen waarin je zonder opgave van redenen kunt annuleren.<\/p>\n<p>Na deze periode is vroegtijdige be\u00ebindiging alleen in de volgende gevallen mogelijk:<\/p>\n<ul>\n<li>Je raakt werkloos;<\/li>\n<li>Je gaat failliet;<\/li>\n<li>Je wordt arbeidsongeschikt;<\/li>\n<li>Je komt in de schuldsanering;<\/li>\n<li>Je gaat scheiden \/ ontbinding partnerschap.<\/li>\n<\/ul>\n<p>De kosten voor het vroegtijdig be\u00ebindigen van een deposito bedraagt \u20ac75. In geval van overlijden kan <em>Ayvens Deposito Sparen<\/em>\u00a0worden opgezegd en worden er geen kosten in rekening gebracht.<\/p>\n<h3>Bronbelasting<\/h3>\n<p>Je opent een <em>Ayvens Deposito Sparen<\/em>\u00a0bij de Nederlandse bankvestiging in Amsterdam. Dit betekent dat er geen bronbelasting van toepassing is.<\/p>\n<h3>Belastingaangifte<\/h3>\n<p>Het saldo op je <em>Ayvens Deposito Sparen<\/em>\u00a0moet je bij de jaarlijkse aangifte inkomstenbelasting invullen in Box 3.<\/p>\n<p>Waarschijnlijk is dit bedrag al vooraf ingevuld in je aangifte. Als dat niet het geval is kun je inloggen op het internetbankieren account en aan het begin van het jaar het <em>Financieel Jaaroverzicht<\/em> downloaden.[\/vc_column_text]<div id=\"wd-67b4b83129c07\" class=\" wd-rs-67b4b83129c07  wd-button-wrapper text-center wd-collapsible-button\"><a  class=\"btn btn-style-bordered btn-shape-semi-round btn-size-default meer-content\">Lees meer over dit product<\/a><\/div>[\/vc_column][\/vc_row][vc_row woodmart_css_id=&#8221;6a32b7285dc0f&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2YTMyYjcyODVkYzBmIiwic2hvcnRjb2RlIjoidmNfcm93IiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_gradient_switch=&#8221;no&#8221; woodmart_box_shadow=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; woodmart_disable_overflow=&#8221;0&#8243; row_reverse_mobile=&#8221;0&#8243; row_reverse_tablet=&#8221;0&#8243;][vc_column][vc_separator color=&#8221;custom&#8221; 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wd_collapsible_content_fade_out_color=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidmFsdWUiOiIjZmZmIn19fQ==&#8221;]\n\t\t<ul class=\" wd-rs-67be8f1673cf0 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-rounded text-left wd-shape-icon \" id=\"wd-67be8f1673cf0\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tMinimale inleg \u20ac1.000\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tRente wordt jaarlijks uitgekeerd\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tVerlenging mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGezamenlijk deposito mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tMeerdere deposito's mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tAan elke Nederlandse betaalrekening te koppelen\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tNederlandse telefonische klantenservice\n\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t24\/7 inzicht met de Ayvens Bank Sparen App\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGeen bronbelasting\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-check\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tValt onder het depositogarantiestelsel\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t<div id=\"wd-67b1d59e68153\" class=\" wd-rs-67b1d59e68153  wd-button-wrapper text-left wd-collapsible-button\"><a  class=\"btn btn-style-link btn-shape-rectangle btn-size-default meer-pro-cons btn-icon-pos-right\">Bekijk meer voordelen<span class=\"wd-btn-icon\"><span class=\"wd-icon fas fa-angle-down\"><\/span><\/span><\/a><\/div>[\/vc_column][\/vc_row][vc_row woodmart_css_id=&#8221;67a5bb4beda5a&#8221; 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wd_collapsible_content_switcher=&#8221;yes&#8221; wd_column_role_offcanvas_desktop=&#8221;no&#8221; wd_column_role_offcanvas_tablet=&#8221;no&#8221; wd_column_role_offcanvas_mobile=&#8221;no&#8221; wd_column_role_content_desktop=&#8221;no&#8221; wd_column_role_content_tablet=&#8221;no&#8221; wd_column_role_content_mobile=&#8221;no&#8221; mobile_bg_img_hidden=&#8221;no&#8221; tablet_bg_img_hidden=&#8221;no&#8221; woodmart_parallax=&#8221;0&#8243; woodmart_box_shadow=&#8221;no&#8221; responsive_spacing=&#8221;eyJwYXJhbV90eXBlIjoid29vZG1hcnRfcmVzcG9uc2l2ZV9zcGFjaW5nIiwic2VsZWN0b3JfaWQiOiI2N2I3YzM3YTdiZDFlIiwic2hvcnRjb2RlIjoidmNfY29sdW1uIiwiZGF0YSI6eyJ0YWJsZXQiOnt9LCJtb2JpbGUiOnt9fX0=&#8221; mobile_reset_margin=&#8221;no&#8221; tablet_reset_margin=&#8221;no&#8221; wd_z_index=&#8221;no&#8221; wd_collapsible_content_max_height=&#8221;eyJkZXZpY2VzIjp7ImRlc2t0b3AiOnsidW5pdCI6InB4IiwidmFsdWUiOiIyNjAifSwidGFibGV0Ijp7InVuaXQiOiJweCIsInZhbHVlIjoiIn0sIm1vYmlsZSI6eyJ1bml0IjoicHgiLCJ2YWx1ZSI6IiJ9fX0=&#8221;]\n\t\t<ul class=\" wd-rs-67be8f31057e0 wd-list wd-wpb color-scheme- wd-fontsize-s wd-type-icon wd-style-rounded text-left wd-shape-icon \" id=\"wd-67be8f31057e0\">\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.finler.nl\/spaarrente\/ayvens-spaarrekening\/\" title=\"Ayvens Spaarrekening\">\n\t\t\t\t\t\t\t\t<u>Ayvens Spaarrekening<\/u> verplicht (gratis)\n\n\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tTussentijdse be\u00ebindiging alleen bij dwingende reden\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tNiet voor zakelijk gebruik\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tGeen duurzaam\/groen deposito\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t<span class=\"wd-icon fas fa-times\"><\/span>\n\t\t\t\t\t<span class=\"wd-list-content list-content\">\n\t\t\t\t\t\t\t\t\t\t\t\t\tDeposito op naam van kind niet mogelijk\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t<\/li>\n\t\t\t\t\t<\/ul>\n\t\t<div id=\"wd-67b1d5a7e4454\" class=\" wd-rs-67b1d5a7e4454  wd-button-wrapper text-left wd-collapsible-button\"><a  class=\"btn btn-style-link btn-shape-rectangle btn-size-default meer-pro-cons btn-icon-pos-right\">Bekijk meer nadelen<span class=\"wd-btn-icon\"><span class=\"wd-icon fas fa-angle-down\"><\/span><\/span><\/a><\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Met <em>Ayvens Deposito Sparen<\/em>\u00a0kun je een spaarbedrag voor een periode van 3 maanden tot 5 jaar vastzetten. De minimum inleg is \u20ac1.000. Bij een looptijd van meer dan een jaar wordt de rente jaarlijks uitgekeerd.<\/p>\n","protected":false},"featured_media":19794,"template":"","meta":{"_acf_changed":false},"product_brand":[],"product_cat":[1745],"product_tag":[],"class_list":["post-17705","product","type-product","status-publish","has-post-thumbnail","product_cat-spaardeposito","pa_bank-ayvens-bank","first","instock","sold-individually","shipping-taxable","purchasable","product-type-variable","has-default-attributes"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product\/17705","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product"}],"about":[{"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/types\/product"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/media\/19794"}],"wp:attachment":[{"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/media?parent=17705"}],"wp:term":[{"taxonomy":"product_brand","embeddable":true,"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product_brand?post=17705"},{"taxonomy":"product_cat","embeddable":true,"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product_cat?post=17705"},{"taxonomy":"product_tag","embeddable":true,"href":"https:\/\/www.finler.nl\/spaarrente\/wp-json\/wp\/v2\/product_tag?post=17705"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}