LeasePlan Bank

What LeasePlan Bank does

LeasePlan Bank, now operating as Ayvens Bank N.V., is a Dutch digital savings bank founded in 2010 and headquartered in Amsterdam, with a headcount of 11-50 employees. It serves Dutch individual retail savers through a branchless, self-service online platform and a mobile app (Sparen App) that allows customers to open a single Online Spaarrekening in three steps and then allocate funds between Flexibel Sparen (flexible savings paying 1.85% interest with monthly payouts and instant withdrawals) and Deposito Sparen (fixed-term deposits in eight tenors from 3 months to 5 years, paying 2.45% to 3.00% with annual payouts and a €1,000 minimum). All deposits are covered by the Dutch Depositogarantiestelsel up to €100,000 per person, and the bank differentiates from undifferentiated competitors by tying the savings proposition to parent Ayvens Group's sustainable mobility narrative. The product is functionally simple, with no payments, lending, or investment products visible in the offering.

The bank is a wholly-owned subsidiary of Ayvens Group, the mobility solutions provider formed in 2023 by the merger of LeasePlan Corporation and ALD SA, and was rebranded from LeasePlan Bank to Ayvens Bank as part of that consolidation. Revenue is generated entirely through net interest margin on the savings and deposit book, supplemented by a modest content-marketing and SEO funnel (Tips & Inspiratie blog, financial news, newsletter) targeting Dutch retail savers; there are no disclosed enterprise, B2B, or institutional customer relationships, and revenue, AUM, and customer counts are not publicly disclosed. The Sparen App adds lightweight engagement features such as spaarpotjes (goal-based savings pots) and joint account support, but the broader tech stack is described only as a standard digital banking platform with no disclosed AI, API, or ecosystem integrations.

Name

LeasePlan Bank

Legal name

Ayvens Bank N.V.

Website

https://leaseplanbank.nl

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Ayvens Bank (formerly LeasePlan Bank) is a Dutch branchless digital savings bank serving retail consumers with flexible savings accounts and fixed-term deposits, distributed via website and mobile app under Ayvens Group ownership.

Ownership category

akta.pro rank

Headquarters

HQ city

Nieuw-amsterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Personnel, Marketing or Sales, Infrastructure

Revenue model

1. Interest Spread on Savings: LeasePlan Bank generates revenue through the spread between interest paid to depositors on their savings accounts and the interest earned on loans and other investments. The bank offers competitive rates: 1.85% for flexible savings, 2.45% for 1-year deposits, 2.55% for 2-year deposits, and 3.00% for 5-year deposits.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels6 records

Core offering

LeasePlan Bank (now operating as Ayvens Bank) is a digital-first Dutch savings bank that offers consumers a free Online Spaarrekening combining Flexibel Sparen (flexible savings at 1.85%) and Deposito Sparen (fixed-term deposits from 3 months to 5 years, up to 3.00%). The bank generates revenue primarily through the interest spread between rates paid to depositors and earnings on loans and investments, with all deposits protected under the Dutch Depositogarantiestelsel up to €100,000 per person.

Product overview

Ayvens Bank (formerly LeasePlan Bank) operates as a digital savings bank offering a unified online savings platform with two primary product lines: Flexibel Sparen (flexible savings) and Deposito Sparen (fixed-term deposits). Both products are accessed through the Online Spaarrekening and managed via the Sparen App. The platform is integrated with Ayvens' sustainable mobility focus, allowing savers to contribute to sustainable mobility initiatives while earning competitive interest rates.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Spaarrekening Free online savings account enabling customers to save flexibly or through fixed-term deposits, featuring multiple savings options and a mobile app. Customers can open the account in 3 steps online.
• Flexibel Sparen (Flexible Savings) Flexible savings account with no fixed term, offering 1.85% interest rate with monthly interest payouts, protected under Dutch Deposit Guarantee, with instant withdrawal capability and no minimum deposit required.
• Deposito Sparen (Fixed-Term Deposits) Fixed-term deposit savings with terms ranging from 3 months to 5 years, minimum investment of €1,000, with annual interest payouts. Rates: 1 year at 2.45%, 2 years at 2.55%, 5 years at 3.00%.
• Sparen App (Mobile Application) Mobile application for managing savings accounts, allowing customers to save individually or jointly, track savings goals with 'spaarpotjes' (savings pots), and access accounts via smartphone.

Quantifiable outcome

• Customer satisfaction score of 7.7 out of 10 based on customer reviews

Named customers2 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• bunq: Dutch digital-first neobank offering savings features alongside payments. Directly comparable as a Dutch online-only deposit-gathering platform targeting self-service consumers via a mobile app.
• Knab: Dutch digital bank (under ASR Nederland) focused on savings and investment products for Dutch consumers and SMEs. Closely comparable business model: online deposit gathering with interest-spread economics.
• NIBC Direct: Dutch online savings and investment platform operated by NIBC Bank. Same core model — competitive deposit rates, digital self-service, no branch network — targeting Dutch retail savers.
• Brand New Day: Dutch online savings, investment, and pension provider. Highly comparable as a digital-first savings platform offering competitive deposit terms to Dutch consumers.
• Argenta: Belgian retail bank with Dutch operations emphasizing savings and mortgage products. Comparable model of deposit-focused bank competing on rate in the Dutch retail market.
• de Volksbank (SNS Bank): Dutch state-owned retail bank (SNS, ASN, RegioBank brands) with explicit savings-led value proposition. Directly comparable as a Netherlands-focused deposit-gathering institution with regulatory backing.

Emerging players

• Raisin: Pan-European savings marketplace aggregating deposit products from multiple European banks (including Dutch offerings). Comparable as a distribution layer for Dutch consumer savings products.

Broad incumbents

• ING Group: Largest Dutch bank offering savings accounts among its full-service retail portfolio. Overlaps on deposit products but operates at much larger scale with payments, lending, and investment offerings.
• ABN AMRO: Major Dutch incumbent bank with retail savings offerings. Comparable only on deposit products; broader portfolio includes mortgages, business banking, and wealth management.
• ASR Nederland: Dutch insurance and asset management group operating Knab digital savings bank. Comparable as a regulated deposit-collecting entity with a wider insurance/asset-management portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/leaseplanbank
• Facebookfacebook.com/LeasePlanBank

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about LeasePlan Bank