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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 €100,000
€2,350
per year, annualised · €9,400 total over 4 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 4 years: €9,400.
Interest built up over 4 years
€ 0€ 5kstart2 yrs4 yrs€9,400After 1 month: €195.83 rate · balance €100,195.83After 2 months: €391.67 rate · balance €100,391.67After 3 months: €587.50 rate · balance €100,587.50After 4 months: €783.33 rate · balance €100,783.33

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

€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

2.35% 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: €979.17 rate · balance €100,979.17After 6 months: €1,175.00 rate · balance €101,175.00After 7 months: €1,370.83 rate · balance €101,370.83After 8 months: €1,566.67 rate · balance €101,566.67After 9 months: €1,762.50 rate · balance €101,762.50After 10 months: €1,958.33 rate · balance €101,958.33After 11 months: €2,154.17 rate · balance €102,154.17After 12 months: €2,350.00 rate · balance €102,350.00After 13 months: €2,545.83 rate · balance €102,545.83After 14 months: €2,741.67 rate · balance €102,741.67After 15 months: €2,937.50 rate · balance €102,937.50After 16 months: €3,133.33 rate · balance €103,133.33After 17 months: €3,329.17 rate · balance €103,329.17After 18 months: €3,525.00 rate · balance €103,525.00After 19 months: €3,720.83 rate · balance €103,720.83After 20 months: €3,916.67 rate · balance €103,916.67After 21 months: €4,112.50 rate · balance €104,112.50After 22 months: €4,308.33 rate · balance €104,308.33After 23 months: €4,504.17 rate · balance €104,504.17After 24 months: €4,700.00 rate · balance €104,700.00After 25 months: €4,895.83 rate · balance €104,895.83After 26 months: €5,091.67 rate · balance €105,091.67After 27 months: €5,287.50 rate · balance €105,287.50After 28 months: €5,483.33 rate · balance €105,483.33After 29 months: €5,679.17 rate · balance €105,679.17After 30 months: €5,875.00 rate · balance €105,875.00After 31 months: €6,070.83 rate · balance €106,070.83After 32 months: €6,266.67 rate · balance €106,266.67After 33 months: €6,462.50 rate · balance €106,462.50After 34 months: €6,658.33 rate · balance €106,658.33After 35 months: €6,854.17 rate · balance €106,854.17After 36 months: €7,050.00 rate · balance €107,050.00After 37 months: €7,245.83 rate · balance €107,245.83After 38 months: €7,441.67 rate · balance €107,441.67After 39 months: €7,637.50 rate · balance €107,637.50After 40 months: €7,833.33 rate · balance €107,833.33After 41 months: €8,029.17 rate · balance €108,029.17After 42 months: €8,225.00 rate · balance €108,225.00After 43 months: €8,420.83 rate · balance €108,420.83After 44 months: €8,616.67 rate · balance €108,616.67After 45 months: €8,812.50 rate · balance €108,812.50After 46 months: €9,008.33 rate · balance €109,008.33After 47 months: €9,204.17 rate · balance €109,204.17After 48 months: €9,400.00 rate · balance €109,400.00
€ 0€ 5kstart1 yr2 yrs3 yrs4 yrs€9,400After 1 month: €195.83 rate · balance €100,195.83After 2 months: €391.67 rate · balance €100,391.67After 3 months: €587.50 rate · balance €100,587.50After 4 months: €783.33 rate · balance €100,783.33After 5 months: €979.17 rate · balance €100,979.17After 6 months: €1,175.00 rate · balance €101,175.00After 7 months: €1,370.83 rate · balance €101,370.83After 8 months: €1,566.67 rate · balance €101,566.67After 9 months: €1,762.50 rate · balance €101,762.50After 10 months: €1,958.33 rate · balance €101,958.33After 11 months: €2,154.17 rate · balance €102,154.17After 12 months: €2,350.00 rate · balance €102,350.00After 13 months: €2,545.83 rate · balance €102,545.83After 14 months: €2,741.67 rate · balance €102,741.67After 15 months: €2,937.50 rate · balance €102,937.50After 16 months: €3,133.33 rate · balance €103,133.33After 17 months: €3,329.17 rate · balance €103,329.17After 18 months: €3,525.00 rate · balance €103,525.00After 19 months: €3,720.83 rate · balance €103,720.83After 20 months: €3,916.67 rate · balance €103,916.67After 21 months: €4,112.50 rate · balance €104,112.50After 22 months: €4,308.33 rate · balance €104,308.33After 23 months: €4,504.17 rate · balance €104,504.17After 24 months: €4,700.00 rate · balance €104,700.00After 25 months: €4,895.83 rate · balance €104,895.83After 26 months: €5,091.67 rate · balance €105,091.67After 27 months: €5,287.50 rate · balance €105,287.50After 28 months: €5,483.33 rate · balance €105,483.33After 29 months: €5,679.17 rate · balance €105,679.17After 30 months: €5,875.00 rate · balance €105,875.00After 31 months: €6,070.83 rate · balance €106,070.83After 32 months: €6,266.67 rate · balance €106,266.67After 33 months: €6,462.50 rate · balance €106,462.50After 34 months: €6,658.33 rate · balance €106,658.33After 35 months: €6,854.17 rate · balance €106,854.17After 36 months: €7,050.00 rate · balance €107,050.00After 37 months: €7,245.83 rate · balance €107,245.83After 38 months: €7,441.67 rate · balance €107,441.67After 39 months: €7,637.50 rate · balance €107,637.50After 40 months: €7,833.33 rate · balance €107,833.33After 41 months: €8,029.17 rate · balance €108,029.17After 42 months: €8,225.00 rate · balance €108,225.00After 43 months: €8,420.83 rate · balance €108,420.83After 44 months: €8,616.67 rate · balance €108,616.67After 45 months: €8,812.50 rate · balance €108,812.50After 46 months: €9,008.33 rate · balance €109,008.33After 47 months: €9,204.17 rate · balance €109,204.17After 48 months: €9,400.00 rate · balance €109,400.00
Per year
AfterInterest up to thenBalance
1 year€2,350€102,350
2 years€4,700€104,700
3 years€7,050€107,050
4 years€9,400€109,400

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