Morgan Stanley
Morgan Stanley Bank AG · Germany
- Offers
- 5
- Instant access
- —
- highest effective
- Deposit
- 3.35%
- highest effective
- Deposit guarantee
- Until €100,000
- Germany scheme
Offers from Morgan Stanley
- Deposit 3 months2.50% · 2.52% effective · since 13 Oct 2026€1,262per year, annualised
- Deposit 6 months2.90% · 2.92% effective · since 27 Oct 2026€1,461per year, annualised
- Deposit 9 months2.85% · 2.86% effective · since 13 Oct 2026€1,430per year, annualised
- Deposit 1 year3.20% · 3.20% effective · since 21 Oct 2026€1,600interest per year
- Deposit 2 years3.35% · 3.35% effective · since 21 Oct 2026€1,675per year, annualised
Saving at Morgan Stanley
Morgan Stanley is a bank from Germany. From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at Morgan Stanley in your name.
For €50,000 we list 5 deposits from Morgan Stanley, with terms from 3 months to 2 years. The best-paying deposit runs for 2 years at an effective 3.35% a year.
The lowest minimum deposit is €1,000.
Savings at Morgan Stanley fall under Entschädigungseinrichtung deutscher Banken GmbH (EdB), the statutory deposit guarantee scheme of Germany, up to €100,000 per person. We checked that with the supervisor or the scheme itself. Germany does not withhold tax on the interest of a saver who lives in the Netherlands.
- What is the savings rate at Morgan Stanley?
- At Morgan Stanley the highest effective annual rate for €50,000 is currently 3.35% on a 2 years deposit. The table on this page has every offer with its rate and conditions.
- Is my money safe at Morgan Stanley?
- Morgan Stanley (Morgan Stanley Bank AG) takes part in Entschädigungseinrichtung deutscher Banken GmbH (EdB). If the bank fails, that scheme repays your savings up to €100,000 per person, interest included.
- Do I pay withholding tax on interest from Morgan Stanley?
- Germany does not withhold tax on the interest of a saver who lives in the Netherlands.
- How do I open an account at Morgan Stanley?
- From the Netherlands you open an account through the savings platform Raisin: one Raisin account, with your money held at Morgan Stanley in your name.
Deposit guarantee and licence
- Institution
- Morgan Stanley Bank AG
- Status
- Verified European deposit guarantee scheme
- Scheme
- Entschädigungseinrichtung deutscher Banken GmbH (EdB)
- Guarantee
- €100,000 per person per institution
- Verification
- Raisin wettelijke DGS-disclosuresource ↗ · 2 Nov 2026
details
Entschädigungseinrichtung deutscher Banken GmbH (EdB)
Recent changes
Rate historyRSS- 27 Oct 2026, 01:13 · Rate upMorgan Stanley – Termijndeposito (6 mo): 2.80% → 2.90%
- 21 Oct 2026, 02:46 · Rate upMorgan Stanley – Termijndeposito (24 mo): 3.25% → 3.35%
- 21 Oct 2026, 02:46 · Rate upMorgan Stanley – Termijndeposito (12 mo): 3.10% → 3.20%
- 13 Oct 2026, 02:08 · Rate upMorgan Stanley – Termijndeposito (3 mo): 2.45% → 2.50%
- 13 Oct 2026, 02:08 · Rate upMorgan Stanley – Termijndeposito (24 mo): 3.20% → 3.25%
- 13 Oct 2026, 02:08 · Rate upMorgan Stanley – Termijndeposito (12 mo): 3.05% → 3.10%
- 13 Oct 2026, 02:08 · Rate upMorgan Stanley – Termijndeposito (9 mo): 2.80% → 2.85%
- 13 Oct 2026, 02:08 · Rate upMorgan Stanley – Termijndeposito (6 mo): 2.75% → 2.80%
- 6 Oct 2026, 02:31 · Rate upMorgan Stanley – Termijndeposito (24 mo): 3.10% → 3.20%
- 6 Oct 2026, 02:31 · Rate upMorgan Stanley – Termijndeposito (12 mo): 2.95% → 3.05%
- 6 Oct 2026, 02:31 · Rate upMorgan Stanley – Termijndeposito (9 mo): 2.68% → 2.80%
- 6 Oct 2026, 02:31 · Rate upMorgan Stanley – Termijndeposito (6 mo): 2.68% → 2.75%
E-mail me when this changes
As soon as a rate or offer from Morgan Stanley changes, you get one e-mail. Every mail has a one-click unsubscribe link.