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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 · 3 years · Aareal Bank AG · Germany · via Raisin
Open an account at Aareal Bank
Rate
2.15%
3 years fixed
Your return on €100,000
€2,150
per year, annualised · €6,450 total over 3 years
Deposit guarantee
€100,000 fully protected
German scheme

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

Your calculation for €100,000

Gross interest over 3 years: €6,450.
Interest built up over 3 years
€ 0€ 2,5k€ 5kstart1 yr2 yrs3 yrs€6,450After 1 month: €179.17 rate · balance €100,179.17After 2 months: €358.33 rate · balance €100,358.33After 3 months: €537.50 rate · balance €100,537.50After 4 months: €716.67 rate · balance €100,716.67

Rate and conditions

BalanceRate
€0 – and up2.15%
Interest payout
yearly, paid out
Fees
none
Rate valid since
4 Dec 2025
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

€100,000 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

2.15% 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 (36 mo) 2.15%

Rate checked on 18 Sep 2026.

Other offers from Aareal Bank

2 years · 2.00% · Raisin4 years · 2.35% · Raisin5 years · 3.50% · Raisin7 years · 3.42% · Raisin
After 5 months: €895.83 rate · balance €100,895.83After 6 months: €1,075.00 rate · balance €101,075.00After 7 months: €1,254.17 rate · balance €101,254.17After 8 months: €1,433.33 rate · balance €101,433.33After 9 months: €1,612.50 rate · balance €101,612.50After 10 months: €1,791.67 rate · balance €101,791.67After 11 months: €1,970.83 rate · balance €101,970.83After 12 months: €2,150.00 rate · balance €102,150.00After 13 months: €2,329.17 rate · balance €102,329.17After 14 months: €2,508.33 rate · balance €102,508.33After 15 months: €2,687.50 rate · balance €102,687.50After 16 months: €2,866.67 rate · balance €102,866.67After 17 months: €3,045.83 rate · balance €103,045.83After 18 months: €3,225.00 rate · balance €103,225.00After 19 months: €3,404.17 rate · balance €103,404.17After 20 months: €3,583.33 rate · balance €103,583.33After 21 months: €3,762.50 rate · balance €103,762.50After 22 months: €3,941.67 rate · balance €103,941.67After 23 months: €4,120.83 rate · balance €104,120.83After 24 months: €4,300.00 rate · balance €104,300.00After 25 months: €4,479.17 rate · balance €104,479.17After 26 months: €4,658.33 rate · balance €104,658.33After 27 months: €4,837.50 rate · balance €104,837.50After 28 months: €5,016.67 rate · balance €105,016.67After 29 months: €5,195.83 rate · balance €105,195.83After 30 months: €5,375.00 rate · balance €105,375.00After 31 months: €5,554.17 rate · balance €105,554.17After 32 months: €5,733.33 rate · balance €105,733.33After 33 months: €5,912.50 rate · balance €105,912.50After 34 months: €6,091.67 rate · balance €106,091.67After 35 months: €6,270.83 rate · balance €106,270.83After 36 months: €6,450.00 rate · balance €106,450.00
€ 0€ 2,5k€ 5kstart1 yr2 yrs3 yrs€6,450After 1 month: €179.17 rate · balance €100,179.17After 2 months: €358.33 rate · balance €100,358.33After 3 months: €537.50 rate · balance €100,537.50After 4 months: €716.67 rate · balance €100,716.67After 5 months: €895.83 rate · balance €100,895.83After 6 months: €1,075.00 rate · balance €101,075.00After 7 months: €1,254.17 rate · balance €101,254.17After 8 months: €1,433.33 rate · balance €101,433.33After 9 months: €1,612.50 rate · balance €101,612.50After 10 months: €1,791.67 rate · balance €101,791.67After 11 months: €1,970.83 rate · balance €101,970.83After 12 months: €2,150.00 rate · balance €102,150.00After 13 months: €2,329.17 rate · balance €102,329.17After 14 months: €2,508.33 rate · balance €102,508.33After 15 months: €2,687.50 rate · balance €102,687.50After 16 months: €2,866.67 rate · balance €102,866.67After 17 months: €3,045.83 rate · balance €103,045.83After 18 months: €3,225.00 rate · balance €103,225.00After 19 months: €3,404.17 rate · balance €103,404.17After 20 months: €3,583.33 rate · balance €103,583.33After 21 months: €3,762.50 rate · balance €103,762.50After 22 months: €3,941.67 rate · balance €103,941.67After 23 months: €4,120.83 rate · balance €104,120.83After 24 months: €4,300.00 rate · balance €104,300.00After 25 months: €4,479.17 rate · balance €104,479.17After 26 months: €4,658.33 rate · balance €104,658.33After 27 months: €4,837.50 rate · balance €104,837.50After 28 months: €5,016.67 rate · balance €105,016.67After 29 months: €5,195.83 rate · balance €105,195.83After 30 months: €5,375.00 rate · balance €105,375.00After 31 months: €5,554.17 rate · balance €105,554.17After 32 months: €5,733.33 rate · balance €105,733.33After 33 months: €5,912.50 rate · balance €105,912.50After 34 months: €6,091.67 rate · balance €106,091.67After 35 months: €6,270.83 rate · balance €106,270.83After 36 months: €6,450.00 rate · balance €106,450.00
Per year
AfterInterest up to thenBalance
1 year€2,150€102,150
2 years€4,300€104,300
3 years€6,450€106,450

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