Is locking money for ten years wise?

Ten years is very long. You are protected if rates fall, but if rates rise you are stuck with the old one. Only lock money you will certainly not need in that time, and consider placing part of it for a shorter term.

Can I withdraw early?

Usually not, or only for a substantial fee. Some banks allow it for special events, such as buying a home. Each deposit states what the bank allows.

Does the interest count towards the deposit guarantee?

Yes. A lot of interest accrues in ten years: at 3%, €80,000 grows to over €107,000 if the interest is credited. For large amounts, keep the limit of €100,000 per bank in mind.

10-year deposit

17 offers · 10 years deposits

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Deposit guarantee

Deutsche Bausparkasse Badenia
Termijndeposito· Deposit · 10 years· via Raisin
10 years
no early withdrawal
paid out yearly · min. €5,000 · max. €100,000
- 10 years fixed · no early withdrawal
Effective annual rate
3.91%▲

News and background

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A buffer absorbs the broken washing machine and, if need be, a few months without income. How to use your fixed costs to decide how much to keep to hand, where to put it and what to do with everything above it.

Frequently asked questions

Is locking money for ten years wise?: Ten years is very long. You are protected if rates fall, but if rates rise you are stuck with the old one. Only lock money you will certainly not need in that time, and consider placing part of it for a shorter term.
Can I withdraw early?: Usually not, or only for a substantial fee. Some banks allow it for special events, such as buying a home. Each deposit states what the bank allows.
Does the interest count towards the deposit guarantee?: Yes. A lot of interest accrues in ten years: at 3%, €80,000 grows to over €107,000 if the interest is credited. For large amounts, keep the limit of €100,000 per bank in mind.

17 offers · 10 years deposits

Sort by

Deposit guarantee

Deutsche Bausparkasse Badenia
Termijndeposito· Deposit · 10 years· via Raisin
10 years
no early withdrawal
paid out yearly · min. €5,000 · max. €100,000
- 10 years fixed · no early withdrawal
Effective annual rate
3.91%▲

News and background

All articles →

30 Oct 2026Saving for your child: in your child's name or in your own?
Do you save for your child in an account in their name or in yours? Who owns the money, what happens on their eighteenth birthday, how the deposit guarantee works and what to check when you compare.
23 Oct 2026Savings rate fixed or variable: what suits your money?
A variable savings rate can change any day, a fixed rate is set for the whole term. What makes savings rates move, why nobody can predict them and how you as a saver can deal with that uncertainty.
16 Oct 2026How much savings do you need as a buffer?
A buffer absorbs the broken washing machine and, if need be, a few months without income. How to use your fixed costs to decide how much to keep to hand, where to put it and what to do with everything above it.