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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 €16,800
€361
per year, annualised · €1,084 total over 3 years
Deposit guarantee
€16,800 fully protected
German scheme

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

Your calculation for €16,800

Gross interest over 3 years: €1,084.
Interest built up over 3 years
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,084After 1 month: €30.10 rate · balance €16,830.10After 2 months: €60.20 rate · balance €16,860.20After 3 months: €90.30 rate · balance €16,890.30After 4 months: €120.40 rate · balance €16,920.40

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

€16,800 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: €150.50 rate · balance €16,950.50After 6 months: €180.60 rate · balance €16,980.60After 7 months: €210.70 rate · balance €17,010.70After 8 months: €240.80 rate · balance €17,040.80After 9 months: €270.90 rate · balance €17,070.90After 10 months: €301 rate · balance €17,101After 11 months: €331.10 rate · balance €17,131.10After 12 months: €361.20 rate · balance €17,161.20After 13 months: €391.30 rate · balance €17,191.30After 14 months: €421.40 rate · balance €17,221.40After 15 months: €451.50 rate · balance €17,251.50After 16 months: €481.60 rate · balance €17,281.60After 17 months: €511.70 rate · balance €17,311.70After 18 months: €541.80 rate · balance €17,341.80After 19 months: €571.90 rate · balance €17,371.90After 20 months: €602.00 rate · balance €17,402After 21 months: €632.10 rate · balance €17,432.10After 22 months: €662.20 rate · balance €17,462.20After 23 months: €692.30 rate · balance €17,492.30After 24 months: €722.40 rate · balance €17,522.40After 25 months: €752.50 rate · balance €17,552.50After 26 months: €782.60 rate · balance €17,582.60After 27 months: €812.70 rate · balance €17,612.70After 28 months: €842.80 rate · balance €17,642.80After 29 months: €872.90 rate · balance €17,672.90After 30 months: €903.00 rate · balance €17,703After 31 months: €933.10 rate · balance €17,733.10After 32 months: €963.20 rate · balance €17,763.20After 33 months: €993.30 rate · balance €17,793.30After 34 months: €1,023.40 rate · balance €17,823.40After 35 months: €1,053.50 rate · balance €17,853.50After 36 months: €1,083.60 rate · balance €17,883.60
€ 0€ 500€ 1kstart1 yr2 yrs3 yrs€1,084After 1 month: €30.10 rate · balance €16,830.10After 2 months: €60.20 rate · balance €16,860.20After 3 months: €90.30 rate · balance €16,890.30After 4 months: €120.40 rate · balance €16,920.40After 5 months: €150.50 rate · balance €16,950.50After 6 months: €180.60 rate · balance €16,980.60After 7 months: €210.70 rate · balance €17,010.70After 8 months: €240.80 rate · balance €17,040.80After 9 months: €270.90 rate · balance €17,070.90After 10 months: €301 rate · balance €17,101After 11 months: €331.10 rate · balance €17,131.10After 12 months: €361.20 rate · balance €17,161.20After 13 months: €391.30 rate · balance €17,191.30After 14 months: €421.40 rate · balance €17,221.40After 15 months: €451.50 rate · balance €17,251.50After 16 months: €481.60 rate · balance €17,281.60After 17 months: €511.70 rate · balance €17,311.70After 18 months: €541.80 rate · balance €17,341.80After 19 months: €571.90 rate · balance €17,371.90After 20 months: €602.00 rate · balance €17,402After 21 months: €632.10 rate · balance €17,432.10After 22 months: €662.20 rate · balance €17,462.20After 23 months: €692.30 rate · balance €17,492.30After 24 months: €722.40 rate · balance €17,522.40After 25 months: €752.50 rate · balance €17,552.50After 26 months: €782.60 rate · balance €17,582.60After 27 months: €812.70 rate · balance €17,612.70After 28 months: €842.80 rate · balance €17,642.80After 29 months: €872.90 rate · balance €17,672.90After 30 months: €903.00 rate · balance €17,703After 31 months: €933.10 rate · balance €17,733.10After 32 months: €963.20 rate · balance €17,763.20After 33 months: €993.30 rate · balance €17,793.30After 34 months: €1,023.40 rate · balance €17,823.40After 35 months: €1,053.50 rate · balance €17,853.50After 36 months: €1,083.60 rate · balance €17,883.60
Per year
AfterInterest up to thenBalance
1 year€361€17,161
2 years€722€17,522
3 years€1,084€17,884

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