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Not advice. Rates are gross, per year and as published by the provider. Variable rates can change. Outbound links may earn a commission; that never affects the order or the calculation.

Open an account at AKA
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A

AKATermijndeposito

Deposit · 3 years · AKA Ausfuhrkredit-Gesellschaft mbH · Germany · via Raisin
Open an account at AKA
Rate
3.30%
3 years fixed
since 7 Oct 2026
Your return on €50,000
€1,650
per year, annualised · €4,950 total over 3 years
Deposit guarantee
€50,000 fully protected
German scheme

AKA Ausfuhrkredit-Gesellschaft mbH · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Your calculation for €50,000

Gross interest over 3 years: €4,950.
Interest built up over 3 years
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs€4,950After 1 month: €137.50 rate · balance €50,137.50After 2 months: €275 rate · balance €50,275After 3 months: €412.50 rate · balance €50,412.50After 4 months: €550 rate · balance €50,550After 5 months: €687.50 rate · balance €50,687.50

Rate and conditions

BalanceRate
€0 – and up3.30%
Interest payout
yearly, paid out
Fees
none
Rate valid since
7 Oct 2026
Access
3 years fixed · no early withdrawal
Term
3 years
Minimum deposit
€1,000
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 wordt jaarlijks uitgekeerd op de Raisin-rekening
  • Raisin Bank houdt het deposito in trust aan bij de bank

Deposit guarantee

€50,000 fully protected
German scheme

AKA Ausfuhrkredit-Gesellschaft mbH · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Licence and verification
Institution
AKA Ausfuhrkredit-Gesellschaft mbH
Status
Verified European deposit guarantee scheme
Scheme
Entschädigungseinrichtung deutscher Banken GmbH (EdB) (Germany)
Guarantee
€100,000 per person per institution
Verification
Raisin wettelijke DGS-disclosure
detailsEntschädigungseinrichtung deutscher Banken GmbH (EdB)
source ↗ · 11 Oct 2026
Taxes
Country
Germany
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Germany withholds no tax on savings interest of non-residents: you receive the full interest.

Rate history

2.75%3.00%3.25%3.50%3.75%6 Oct 20269 Oct 2026now3.30%3.05% from 6 Oct 2026 until 7 Oct 20263.30% from 7 Oct 2026 until now
2.75%3.00%3.25%3.50%3.75%6 Oct 20269 Oct 2026now3.30%3.05% from 6 Oct 2026 until 7 Oct 2026

Other offers from AKA

1 year · 3.10% · Raisin2 years · 3.30% · Raisin
After 6 months: €825 rate · balance €50,825After 7 months: €962.50 rate · balance €50,962.50After 8 months: €1,100 rate · balance €51,100After 9 months: €1,237.50 rate · balance €51,237.50After 10 months: €1,375 rate · balance €51,375After 11 months: €1,512.50 rate · balance €51,512.50After 12 months: €1,650 rate · balance €51,650After 13 months: €1,787.50 rate · balance €51,787.50After 14 months: €1,925 rate · balance €51,925After 15 months: €2,062.50 rate · balance €52,062.50After 16 months: €2,200 rate · balance €52,200After 17 months: €2,337.50 rate · balance €52,337.50After 18 months: €2,475 rate · balance €52,475After 19 months: €2,612.50 rate · balance €52,612.50After 20 months: €2,750 rate · balance €52,750After 21 months: €2,887.50 rate · balance €52,887.50After 22 months: €3,025 rate · balance €53,025After 23 months: €3,162.50 rate · balance €53,162.50After 24 months: €3,300 rate · balance €53,300After 25 months: €3,437.50 rate · balance €53,437.50After 26 months: €3,575 rate · balance €53,575After 27 months: €3,712.50 rate · balance €53,712.50After 28 months: €3,850 rate · balance €53,850After 29 months: €3,987.50 rate · balance €53,987.50After 30 months: €4,125 rate · balance €54,125After 31 months: €4,262.50 rate · balance €54,262.50After 32 months: €4,400 rate · balance €54,400After 33 months: €4,537.50 rate · balance €54,537.50After 34 months: €4,675 rate · balance €54,675After 35 months: €4,812.50 rate · balance €54,812.50After 36 months: €4,950 rate · balance €54,950
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs€4,950After 1 month: €137.50 rate · balance €50,137.50After 2 months: €275 rate · balance €50,275After 3 months: €412.50 rate · balance €50,412.50After 4 months: €550 rate · balance €50,550After 5 months: €687.50 rate · balance €50,687.50After 6 months: €825 rate · balance €50,825After 7 months: €962.50 rate · balance €50,962.50After 8 months: €1,100 rate · balance €51,100After 9 months: €1,237.50 rate · balance €51,237.50After 10 months: €1,375 rate · balance €51,375After 11 months: €1,512.50 rate · balance €51,512.50After 12 months: €1,650 rate · balance €51,650After 13 months: €1,787.50 rate · balance €51,787.50After 14 months: €1,925 rate · balance €51,925After 15 months: €2,062.50 rate · balance €52,062.50After 16 months: €2,200 rate · balance €52,200After 17 months: €2,337.50 rate · balance €52,337.50After 18 months: €2,475 rate · balance €52,475After 19 months: €2,612.50 rate · balance €52,612.50After 20 months: €2,750 rate · balance €52,750After 21 months: €2,887.50 rate · balance €52,887.50After 22 months: €3,025 rate · balance €53,025After 23 months: €3,162.50 rate · balance €53,162.50After 24 months: €3,300 rate · balance €53,300After 25 months: €3,437.50 rate · balance €53,437.50After 26 months: €3,575 rate · balance €53,575After 27 months: €3,712.50 rate · balance €53,712.50After 28 months: €3,850 rate · balance €53,850After 29 months: €3,987.50 rate · balance €53,987.50After 30 months: €4,125 rate · balance €54,125After 31 months: €4,262.50 rate · balance €54,262.50After 32 months: €4,400 rate · balance €54,400After 33 months: €4,537.50 rate · balance €54,537.50After 34 months: €4,675 rate · balance €54,675After 35 months: €4,812.50 rate · balance €54,812.50After 36 months: €4,950 rate · balance €54,950
Per year
AfterInterest up to thenBalance
1 year€1,650€51,650
2 years€3,300€53,300
3 years€4,950€54,950

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

3.30% from 7 Oct 2026 until now
FromRateUntil
7 Oct 20263.30%current
6 Oct 20263.05%7 Oct 2026

All historic rates of AKA →All savings products of AKA →

  • 7 Oct 2026AKA – Termijndeposito (36 mo): 3.05% → 3.30%
  • 6 Oct 2026New: AKA – Termijndeposito (36 mo) 3.05%

Rate checked on 11 Oct 2026.