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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 €16,600
€390
per year, annualised · €1,560 total over 4 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 4 years: €1,560.
Interest built up over 4 years
€ 0€ 1kstart2 yrs4 yrs€1,560After 1 month: €32.51 rate · balance €16,632.51After 2 months: €65.02 rate · balance €16,665.02After 3 months: €97.52 rate · balance €16,697.52After 4 months: €130.03 rate · balance €16,730.03

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

€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

2.35% 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: €162.54 rate · balance €16,762.54After 6 months: €195.05 rate · balance €16,795.05After 7 months: €227.56 rate · balance €16,827.56After 8 months: €260.07 rate · balance €16,860.07After 9 months: €292.57 rate · balance €16,892.57After 10 months: €325.08 rate · balance €16,925.08After 11 months: €357.59 rate · balance €16,957.59After 12 months: €390.10 rate · balance €16,990.10After 13 months: €422.61 rate · balance €17,022.61After 14 months: €455.12 rate · balance €17,055.12After 15 months: €487.62 rate · balance €17,087.62After 16 months: €520.13 rate · balance €17,120.13After 17 months: €552.64 rate · balance €17,152.64After 18 months: €585.15 rate · balance €17,185.15After 19 months: €617.66 rate · balance €17,217.66After 20 months: €650.17 rate · balance €17,250.17After 21 months: €682.67 rate · balance €17,282.67After 22 months: €715.18 rate · balance €17,315.18After 23 months: €747.69 rate · balance €17,347.69After 24 months: €780.20 rate · balance €17,380.20After 25 months: €812.71 rate · balance €17,412.71After 26 months: €845.22 rate · balance €17,445.22After 27 months: €877.72 rate · balance €17,477.72After 28 months: €910.23 rate · balance €17,510.23After 29 months: €942.74 rate · balance €17,542.74After 30 months: €975.25 rate · balance €17,575.25After 31 months: €1,007.76 rate · balance €17,607.76After 32 months: €1,040.27 rate · balance €17,640.27After 33 months: €1,072.77 rate · balance €17,672.77After 34 months: €1,105.28 rate · balance €17,705.28After 35 months: €1,137.79 rate · balance €17,737.79After 36 months: €1,170.30 rate · balance €17,770.30After 37 months: €1,202.81 rate · balance €17,802.81After 38 months: €1,235.32 rate · balance €17,835.32After 39 months: €1,267.82 rate · balance €17,867.82After 40 months: €1,300.33 rate · balance €17,900.33After 41 months: €1,332.84 rate · balance €17,932.84After 42 months: €1,365.35 rate · balance €17,965.35After 43 months: €1,397.86 rate · balance €17,997.86After 44 months: €1,430.37 rate · balance €18,030.37After 45 months: €1,462.87 rate · balance €18,062.87After 46 months: €1,495.38 rate · balance €18,095.38After 47 months: €1,527.89 rate · balance €18,127.89After 48 months: €1,560.40 rate · balance €18,160.40
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs€1,560After 1 month: €32.51 rate · balance €16,632.51After 2 months: €65.02 rate · balance €16,665.02After 3 months: €97.52 rate · balance €16,697.52After 4 months: €130.03 rate · balance €16,730.03After 5 months: €162.54 rate · balance €16,762.54After 6 months: €195.05 rate · balance €16,795.05After 7 months: €227.56 rate · balance €16,827.56After 8 months: €260.07 rate · balance €16,860.07After 9 months: €292.57 rate · balance €16,892.57After 10 months: €325.08 rate · balance €16,925.08After 11 months: €357.59 rate · balance €16,957.59After 12 months: €390.10 rate · balance €16,990.10After 13 months: €422.61 rate · balance €17,022.61After 14 months: €455.12 rate · balance €17,055.12After 15 months: €487.62 rate · balance €17,087.62After 16 months: €520.13 rate · balance €17,120.13After 17 months: €552.64 rate · balance €17,152.64After 18 months: €585.15 rate · balance €17,185.15After 19 months: €617.66 rate · balance €17,217.66After 20 months: €650.17 rate · balance €17,250.17After 21 months: €682.67 rate · balance €17,282.67After 22 months: €715.18 rate · balance €17,315.18After 23 months: €747.69 rate · balance €17,347.69After 24 months: €780.20 rate · balance €17,380.20After 25 months: €812.71 rate · balance €17,412.71After 26 months: €845.22 rate · balance €17,445.22After 27 months: €877.72 rate · balance €17,477.72After 28 months: €910.23 rate · balance €17,510.23After 29 months: €942.74 rate · balance €17,542.74After 30 months: €975.25 rate · balance €17,575.25After 31 months: €1,007.76 rate · balance €17,607.76After 32 months: €1,040.27 rate · balance €17,640.27After 33 months: €1,072.77 rate · balance €17,672.77After 34 months: €1,105.28 rate · balance €17,705.28After 35 months: €1,137.79 rate · balance €17,737.79After 36 months: €1,170.30 rate · balance €17,770.30After 37 months: €1,202.81 rate · balance €17,802.81After 38 months: €1,235.32 rate · balance €17,835.32After 39 months: €1,267.82 rate · balance €17,867.82After 40 months: €1,300.33 rate · balance €17,900.33After 41 months: €1,332.84 rate · balance €17,932.84After 42 months: €1,365.35 rate · balance €17,965.35After 43 months: €1,397.86 rate · balance €17,997.86After 44 months: €1,430.37 rate · balance €18,030.37After 45 months: €1,462.87 rate · balance €18,062.87After 46 months: €1,495.38 rate · balance €18,095.38After 47 months: €1,527.89 rate · balance €18,127.89After 48 months: €1,560.40 rate · balance €18,160.40
Per year
AfterInterest up to thenBalance
1 year€390€16,990
2 years€780€17,380
3 years€1,170€17,770
4 years€1,560€18,160

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