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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 €16,600
€357
per year, annualised · €1,071 total over 3 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 3 years: €1,071.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,071After 1 month: €29.74 rate · balance €16,629.74After 2 months: €59.48 rate · balance €16,659.48After 3 months: €89.23 rate · balance €16,689.23After 4 months: €118.97 rate · balance €16,718.97

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

€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

2.15% 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: €148.71 rate · balance €16,748.71After 6 months: €178.45 rate · balance €16,778.45After 7 months: €208.19 rate · balance €16,808.19After 8 months: €237.93 rate · balance €16,837.93After 9 months: €267.68 rate · balance €16,867.68After 10 months: €297.42 rate · balance €16,897.42After 11 months: €327.16 rate · balance €16,927.16After 12 months: €356.90 rate · balance €16,956.90After 13 months: €386.64 rate · balance €16,986.64After 14 months: €416.38 rate · balance €17,016.38After 15 months: €446.13 rate · balance €17,046.13After 16 months: €475.87 rate · balance €17,075.87After 17 months: €505.61 rate · balance €17,105.61After 18 months: €535.35 rate · balance €17,135.35After 19 months: €565.09 rate · balance €17,165.09After 20 months: €594.83 rate · balance €17,194.83After 21 months: €624.58 rate · balance €17,224.58After 22 months: €654.32 rate · balance €17,254.32After 23 months: €684.06 rate · balance €17,284.06After 24 months: €713.80 rate · balance €17,313.80After 25 months: €743.54 rate · balance €17,343.54After 26 months: €773.28 rate · balance €17,373.28After 27 months: €803.03 rate · balance €17,403.03After 28 months: €832.77 rate · balance €17,432.77After 29 months: €862.51 rate · balance €17,462.51After 30 months: €892.25 rate · balance €17,492.25After 31 months: €921.99 rate · balance €17,521.99After 32 months: €951.73 rate · balance €17,551.73After 33 months: €981.48 rate · balance €17,581.48After 34 months: €1,011.22 rate · balance €17,611.22After 35 months: €1,040.96 rate · balance €17,640.96After 36 months: €1,070.70 rate · balance €17,670.70
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,071After 1 month: €29.74 rate · balance €16,629.74After 2 months: €59.48 rate · balance €16,659.48After 3 months: €89.23 rate · balance €16,689.23After 4 months: €118.97 rate · balance €16,718.97After 5 months: €148.71 rate · balance €16,748.71After 6 months: €178.45 rate · balance €16,778.45After 7 months: €208.19 rate · balance €16,808.19After 8 months: €237.93 rate · balance €16,837.93After 9 months: €267.68 rate · balance €16,867.68After 10 months: €297.42 rate · balance €16,897.42After 11 months: €327.16 rate · balance €16,927.16After 12 months: €356.90 rate · balance €16,956.90After 13 months: €386.64 rate · balance €16,986.64After 14 months: €416.38 rate · balance €17,016.38After 15 months: €446.13 rate · balance €17,046.13After 16 months: €475.87 rate · balance €17,075.87After 17 months: €505.61 rate · balance €17,105.61After 18 months: €535.35 rate · balance €17,135.35After 19 months: €565.09 rate · balance €17,165.09After 20 months: €594.83 rate · balance €17,194.83After 21 months: €624.58 rate · balance €17,224.58After 22 months: €654.32 rate · balance €17,254.32After 23 months: €684.06 rate · balance €17,284.06After 24 months: €713.80 rate · balance €17,313.80After 25 months: €743.54 rate · balance €17,343.54After 26 months: €773.28 rate · balance €17,373.28After 27 months: €803.03 rate · balance €17,403.03After 28 months: €832.77 rate · balance €17,432.77After 29 months: €862.51 rate · balance €17,462.51After 30 months: €892.25 rate · balance €17,492.25After 31 months: €921.99 rate · balance €17,521.99After 32 months: €951.73 rate · balance €17,551.73After 33 months: €981.48 rate · balance €17,581.48After 34 months: €1,011.22 rate · balance €17,611.22After 35 months: €1,040.96 rate · balance €17,640.96After 36 months: €1,070.70 rate · balance €17,670.70
Per year
AfterInterest up to thenBalance
1 year€357€16,957
2 years€714€17,314
3 years€1,071€17,671

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