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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 · 4 years · Aareal Bank AG · Germany · via Raisin
Open an account at Aareal Bank
Rate
2.35%
4 years fixed
Your return on €10,000
€235
per year, annualised · €940 total over 4 years
Deposit guarantee
€10,000 fully protected
German scheme

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

Your calculation for €10,000

Gross interest over 4 years: €940.
Interest built up over 4 years
€ 0€ 500start2 yrs4 yrs€940After 1 month: €19.58 rate · balance €10,019.58After 2 months: €39.17 rate · balance €10,039.17After 3 months: €58.75 rate · balance €10,058.75After 4 months: €78.33 rate · balance €10,078.33

Rate and conditions

BalanceRate
€0 – and up2.35%
Interest payout
yearly, paid out
Fees
none
Rate valid since
4 Aug 2025
Access
4 years fixed · no early withdrawal
Term
4 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

€10,000 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

2.35% 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 (48 mo) 2.35%

Rate checked on 18 Sep 2026.

Other offers from Aareal Bank

2 years · 2.00% · Raisin3 years · 2.15% · Raisin5 years · 3.50% · Raisin7 years · 3.42% · Raisin
After 5 months: €97.92 rate · balance €10,097.92After 6 months: €117.50 rate · balance €10,117.50After 7 months: €137.08 rate · balance €10,137.08After 8 months: €156.67 rate · balance €10,156.67After 9 months: €176.25 rate · balance €10,176.25After 10 months: €195.83 rate · balance €10,195.83After 11 months: €215.42 rate · balance €10,215.42After 12 months: €235.00 rate · balance €10,235.00After 13 months: €254.58 rate · balance €10,254.58After 14 months: €274.17 rate · balance €10,274.17After 15 months: €293.75 rate · balance €10,293.75After 16 months: €313.33 rate · balance €10,313.33After 17 months: €332.92 rate · balance €10,332.92After 18 months: €352.50 rate · balance €10,352.50After 19 months: €372.08 rate · balance €10,372.08After 20 months: €391.67 rate · balance €10,391.67After 21 months: €411.25 rate · balance €10,411.25After 22 months: €430.83 rate · balance €10,430.83After 23 months: €450.42 rate · balance €10,450.42After 24 months: €470.00 rate · balance €10,470.00After 25 months: €489.58 rate · balance €10,489.58After 26 months: €509.17 rate · balance €10,509.17After 27 months: €528.75 rate · balance €10,528.75After 28 months: €548.33 rate · balance €10,548.33After 29 months: €567.92 rate · balance €10,567.92After 30 months: €587.50 rate · balance €10,587.50After 31 months: €607.08 rate · balance €10,607.08After 32 months: €626.67 rate · balance €10,626.67After 33 months: €646.25 rate · balance €10,646.25After 34 months: €665.83 rate · balance €10,665.83After 35 months: €685.42 rate · balance €10,685.42After 36 months: €705.00 rate · balance €10,705.00After 37 months: €724.58 rate · balance €10,724.58After 38 months: €744.17 rate · balance €10,744.17After 39 months: €763.75 rate · balance €10,763.75After 40 months: €783.33 rate · balance €10,783.33After 41 months: €802.92 rate · balance €10,802.92After 42 months: €822.50 rate · balance €10,822.50After 43 months: €842.08 rate · balance €10,842.08After 44 months: €861.67 rate · balance €10,861.67After 45 months: €881.25 rate · balance €10,881.25After 46 months: €900.83 rate · balance €10,900.83After 47 months: €920.42 rate · balance €10,920.42After 48 months: €940.00 rate · balance €10,940.00
€ 0€ 500start1 yr2 yrs3 yrs4 yrs€940After 1 month: €19.58 rate · balance €10,019.58After 2 months: €39.17 rate · balance €10,039.17After 3 months: €58.75 rate · balance €10,058.75After 4 months: €78.33 rate · balance €10,078.33After 5 months: €97.92 rate · balance €10,097.92After 6 months: €117.50 rate · balance €10,117.50After 7 months: €137.08 rate · balance €10,137.08After 8 months: €156.67 rate · balance €10,156.67After 9 months: €176.25 rate · balance €10,176.25After 10 months: €195.83 rate · balance €10,195.83After 11 months: €215.42 rate · balance €10,215.42After 12 months: €235.00 rate · balance €10,235.00After 13 months: €254.58 rate · balance €10,254.58After 14 months: €274.17 rate · balance €10,274.17After 15 months: €293.75 rate · balance €10,293.75After 16 months: €313.33 rate · balance €10,313.33After 17 months: €332.92 rate · balance €10,332.92After 18 months: €352.50 rate · balance €10,352.50After 19 months: €372.08 rate · balance €10,372.08After 20 months: €391.67 rate · balance €10,391.67After 21 months: €411.25 rate · balance €10,411.25After 22 months: €430.83 rate · balance €10,430.83After 23 months: €450.42 rate · balance €10,450.42After 24 months: €470.00 rate · balance €10,470.00After 25 months: €489.58 rate · balance €10,489.58After 26 months: €509.17 rate · balance €10,509.17After 27 months: €528.75 rate · balance €10,528.75After 28 months: €548.33 rate · balance €10,548.33After 29 months: €567.92 rate · balance €10,567.92After 30 months: €587.50 rate · balance €10,587.50After 31 months: €607.08 rate · balance €10,607.08After 32 months: €626.67 rate · balance €10,626.67After 33 months: €646.25 rate · balance €10,646.25After 34 months: €665.83 rate · balance €10,665.83After 35 months: €685.42 rate · balance €10,685.42After 36 months: €705.00 rate · balance €10,705.00After 37 months: €724.58 rate · balance €10,724.58After 38 months: €744.17 rate · balance €10,744.17After 39 months: €763.75 rate · balance €10,763.75After 40 months: €783.33 rate · balance €10,783.33After 41 months: €802.92 rate · balance €10,802.92After 42 months: €822.50 rate · balance €10,822.50After 43 months: €842.08 rate · balance €10,842.08After 44 months: €861.67 rate · balance €10,861.67After 45 months: €881.25 rate · balance €10,881.25After 46 months: €900.83 rate · balance €10,900.83After 47 months: €920.42 rate · balance €10,920.42After 48 months: €940.00 rate · balance €10,940.00
Per year
AfterInterest up to thenBalance
1 year€235€10,235
2 years€470€10,470
3 years€705€10,705
4 years€940€10,940

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