Spaarradar
CompareDepositsGuided choice
News
NL
Spaarradar

Independent: the order follows only from the rate, your amount and the deposit guarantee, never from fees paid by banks.

Last check 2 minutes ago·570 offers from 88 institutions

Compare
  • Highest savings rate
  • Deposits by term
  • Notice accounts
  • No withholding tax
  • Saving via Raisin
  • Directly at the bank
  • Banks & deposit guarantee
Tools
  • Guided choice
  • Interest calculator
  • Switch check
  • Deposit ladder
  • My list
  • Widget for your site
Market data
  • Rate changes
  • Rate history
  • ECB rate
  • Savings rate index
  • News
  • API
About this site
  • Glossary
  • Methodology
  • About & contact
  • Press
  • Privacy
  • Disclaimer

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
Back to the comparison

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 €25,000
€500
per year, annualised · €1,000 total over 2 years
Deposit guarantee
€25,000 fully protected
German scheme

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

Your calculation for €25,000

Gross interest over 2 years: €1,000.
Interest built up over 2 years
€ 0€ 500€ 1kstart1 yr2 yrs€1,000After 1 month: €41.67 rate · balance €25,041.67After 2 months: €83.33 rate · balance €25,083.33After 3 months: €125.00 rate · balance €25,125.00After 4 months: €166.67 rate · balance €25,166.67After 5 months: €208.33 rate · balance €25,208.33After 6 months: €250.00 rate · balance €25,250.00After 7 months: €291.67 rate · balance €25,291.67After 8 months: €333.33 rate · balance €25,333.33

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

€25,000 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: €375.00 rate · balance €25,375.00After 10 months: €416.67 rate · balance €25,416.67After 11 months: €458.33 rate · balance €25,458.33After 12 months: €500.00 rate · balance €25,500.00After 13 months: €541.67 rate · balance €25,541.67After 14 months: €583.33 rate · balance €25,583.33After 15 months: €625.00 rate · balance €25,625.00After 16 months: €666.67 rate · balance €25,666.67After 17 months: €708.33 rate · balance €25,708.33After 18 months: €750.00 rate · balance €25,750.00After 19 months: €791.67 rate · balance €25,791.67After 20 months: €833.33 rate · balance €25,833.33After 21 months: €875.00 rate · balance €25,875.00After 22 months: €916.67 rate · balance €25,916.67After 23 months: €958.33 rate · balance €25,958.33After 24 months: €1,000.00 rate · balance €26,000.00
€ 0€ 500€ 1kstart1 yr2 yrs€1,000After 1 month: €41.67 rate · balance €25,041.67After 2 months: €83.33 rate · balance €25,083.33After 3 months: €125.00 rate · balance €25,125.00After 4 months: €166.67 rate · balance €25,166.67After 5 months: €208.33 rate · balance €25,208.33After 6 months: €250.00 rate · balance €25,250.00After 7 months: €291.67 rate · balance €25,291.67After 8 months: €333.33 rate · balance €25,333.33After 9 months: €375.00 rate · balance €25,375.00After 10 months: €416.67 rate · balance €25,416.67After 11 months: €458.33 rate · balance €25,458.33After 12 months: €500.00 rate · balance €25,500.00After 13 months: €541.67 rate · balance €25,541.67After 14 months: €583.33 rate · balance €25,583.33After 15 months: €625.00 rate · balance €25,625.00After 16 months: €666.67 rate · balance €25,666.67After 17 months: €708.33 rate · balance €25,708.33After 18 months: €750.00 rate · balance €25,750.00After 19 months: €791.67 rate · balance €25,791.67After 20 months: €833.33 rate · balance €25,833.33After 21 months: €875.00 rate · balance €25,875.00After 22 months: €916.67 rate · balance €25,916.67After 23 months: €958.33 rate · balance €25,958.33After 24 months: €1,000.00 rate · balance €26,000.00
Per year
AfterInterest up to thenBalance
1 year€500€25,500
2 years€1,000€26,000

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