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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 Aareal Bank
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Aareal BankTermijndeposito

Deposit · 2 years · Aareal Bank AG · Germany · via Raisin
Open an account at Aareal Bank
Rate
2.00%
2 years fixed
Your return on €16,600
€332
per year, annualised · €664 total over 2 years
Deposit guarantee
€16,600 fully protected
German scheme

Aareal Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Your calculation for €16,600

Gross interest over 2 years: €664.
Interest built up over 2 years
€ 0€ 250€ 500start1 yr2 yrs€664After 1 month: €27.67 rate · balance €16,627.67After 2 months: €55.33 rate · balance €16,655.33After 3 months: €83.00 rate · balance €16,683.00After 4 months: €110.67 rate · balance €16,710.67After 5 months: €138.33 rate · balance €16,738.33After 6 months: €166.00 rate · balance €16,766.00After 7 months: €193.67 rate · balance €16,793.67After 8 months: €221.33 rate · balance €16,821.33

Rate and conditions

BalanceRate
€0 – and up2.00%
Interest payout
yearly, paid out
Fees
none
Rate valid since
4 Aug 2025
Access
2 years fixed · no early withdrawal
Term
2 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

€16,600 fully protected
German scheme

Aareal Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Licence and verification
Institution
Aareal Bank AG
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 ↗ · 18 Sep 2026
Taxes
Country
Germany
Withholding tax
No withholding tax
Standard rate
0.00%
For a Dutch saver
0.00%
Notes
Duitsland heft geen bronbelasting op spaarrente van niet-ingezetenen.

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

Rate history

2.00% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Aareal Bank →All savings products of Aareal Bank →

  • 2 Sep 2026New: Aareal Bank – Termijndeposito (24 mo) 2.00%

Rate checked on 18 Sep 2026.

Other offers from Aareal Bank

3 years · 2.15% · Raisin4 years · 2.35% · Raisin5 years · 3.50% · Raisin7 years · 3.42% · Raisin
After 9 months: €249.00 rate · balance €16,849.00After 10 months: €276.67 rate · balance €16,876.67After 11 months: €304.33 rate · balance €16,904.33After 12 months: €332.00 rate · balance €16,932.00After 13 months: €359.67 rate · balance €16,959.67After 14 months: €387.33 rate · balance €16,987.33After 15 months: €415.00 rate · balance €17,015.00After 16 months: €442.67 rate · balance €17,042.67After 17 months: €470.33 rate · balance €17,070.33After 18 months: €498.00 rate · balance €17,098.00After 19 months: €525.67 rate · balance €17,125.67After 20 months: €553.33 rate · balance €17,153.33After 21 months: €581.00 rate · balance €17,181.00After 22 months: €608.67 rate · balance €17,208.67After 23 months: €636.33 rate · balance €17,236.33After 24 months: €664.00 rate · balance €17,264.00
€ 0€ 250€ 500start1 yr2 yrs€664After 1 month: €27.67 rate · balance €16,627.67After 2 months: €55.33 rate · balance €16,655.33After 3 months: €83.00 rate · balance €16,683.00After 4 months: €110.67 rate · balance €16,710.67After 5 months: €138.33 rate · balance €16,738.33After 6 months: €166.00 rate · balance €16,766.00After 7 months: €193.67 rate · balance €16,793.67After 8 months: €221.33 rate · balance €16,821.33After 9 months: €249.00 rate · balance €16,849.00After 10 months: €276.67 rate · balance €16,876.67After 11 months: €304.33 rate · balance €16,904.33After 12 months: €332.00 rate · balance €16,932.00After 13 months: €359.67 rate · balance €16,959.67After 14 months: €387.33 rate · balance €16,987.33After 15 months: €415.00 rate · balance €17,015.00After 16 months: €442.67 rate · balance €17,042.67After 17 months: €470.33 rate · balance €17,070.33After 18 months: €498.00 rate · balance €17,098.00After 19 months: €525.67 rate · balance €17,125.67After 20 months: €553.33 rate · balance €17,153.33After 21 months: €581.00 rate · balance €17,181.00After 22 months: €608.67 rate · balance €17,208.67After 23 months: €636.33 rate · balance €17,236.33After 24 months: €664.00 rate · balance €17,264.00
Per year
AfterInterest up to thenBalance
1 year€332€16,932
2 years€664€17,264

Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe