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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 €16,800
€395
per year, annualised · €1,579 total over 4 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 4 years: €1,579.
Interest built up over 4 years
€ 0€ 1kstart2 yrs4 yrs€1,579After 1 month: €32.90 rate · balance €16,832.90After 2 months: €65.80 rate · balance €16,865.80After 3 months: €98.70 rate · balance €16,898.70After 4 months: €131.60 rate · balance €16,931.60

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

€16,800 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

2.35% 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: €164.50 rate · balance €16,964.50After 6 months: €197.40 rate · balance €16,997.40After 7 months: €230.30 rate · balance €17,030.30After 8 months: €263.20 rate · balance €17,063.20After 9 months: €296.10 rate · balance €17,096.10After 10 months: €329.00 rate · balance €17,129After 11 months: €361.90 rate · balance €17,161.90After 12 months: €394.80 rate · balance €17,194.80After 13 months: €427.70 rate · balance €17,227.70After 14 months: €460.60 rate · balance €17,260.60After 15 months: €493.50 rate · balance €17,293.50After 16 months: €526.40 rate · balance €17,326.40After 17 months: €559.30 rate · balance €17,359.30After 18 months: €592.20 rate · balance €17,392.20After 19 months: €625.10 rate · balance €17,425.10After 20 months: €658.00 rate · balance €17,458After 21 months: €690.90 rate · balance €17,490.90After 22 months: €723.80 rate · balance €17,523.80After 23 months: €756.70 rate · balance €17,556.70After 24 months: €789.60 rate · balance €17,589.60After 25 months: €822.50 rate · balance €17,622.50After 26 months: €855.40 rate · balance €17,655.40After 27 months: €888.30 rate · balance €17,688.30After 28 months: €921.20 rate · balance €17,721.20After 29 months: €954.10 rate · balance €17,754.10After 30 months: €987.00 rate · balance €17,787After 31 months: €1,019.90 rate · balance €17,819.90After 32 months: €1,052.80 rate · balance €17,852.80After 33 months: €1,085.70 rate · balance €17,885.70After 34 months: €1,118.60 rate · balance €17,918.60After 35 months: €1,151.50 rate · balance €17,951.50After 36 months: €1,184.40 rate · balance €17,984.40After 37 months: €1,217.30 rate · balance €18,017.30After 38 months: €1,250.20 rate · balance €18,050.20After 39 months: €1,283.10 rate · balance €18,083.10After 40 months: €1,316.00 rate · balance €18,116After 41 months: €1,348.90 rate · balance €18,148.90After 42 months: €1,381.80 rate · balance €18,181.80After 43 months: €1,414.70 rate · balance €18,214.70After 44 months: €1,447.60 rate · balance €18,247.60After 45 months: €1,480.50 rate · balance €18,280.50After 46 months: €1,513.40 rate · balance €18,313.40After 47 months: €1,546.30 rate · balance €18,346.30After 48 months: €1,579.20 rate · balance €18,379.20
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs€1,579After 1 month: €32.90 rate · balance €16,832.90After 2 months: €65.80 rate · balance €16,865.80After 3 months: €98.70 rate · balance €16,898.70After 4 months: €131.60 rate · balance €16,931.60After 5 months: €164.50 rate · balance €16,964.50After 6 months: €197.40 rate · balance €16,997.40After 7 months: €230.30 rate · balance €17,030.30After 8 months: €263.20 rate · balance €17,063.20After 9 months: €296.10 rate · balance €17,096.10After 10 months: €329.00 rate · balance €17,129After 11 months: €361.90 rate · balance €17,161.90After 12 months: €394.80 rate · balance €17,194.80After 13 months: €427.70 rate · balance €17,227.70After 14 months: €460.60 rate · balance €17,260.60After 15 months: €493.50 rate · balance €17,293.50After 16 months: €526.40 rate · balance €17,326.40After 17 months: €559.30 rate · balance €17,359.30After 18 months: €592.20 rate · balance €17,392.20After 19 months: €625.10 rate · balance €17,425.10After 20 months: €658.00 rate · balance €17,458After 21 months: €690.90 rate · balance €17,490.90After 22 months: €723.80 rate · balance €17,523.80After 23 months: €756.70 rate · balance €17,556.70After 24 months: €789.60 rate · balance €17,589.60After 25 months: €822.50 rate · balance €17,622.50After 26 months: €855.40 rate · balance €17,655.40After 27 months: €888.30 rate · balance €17,688.30After 28 months: €921.20 rate · balance €17,721.20After 29 months: €954.10 rate · balance €17,754.10After 30 months: €987.00 rate · balance €17,787After 31 months: €1,019.90 rate · balance €17,819.90After 32 months: €1,052.80 rate · balance €17,852.80After 33 months: €1,085.70 rate · balance €17,885.70After 34 months: €1,118.60 rate · balance €17,918.60After 35 months: €1,151.50 rate · balance €17,951.50After 36 months: €1,184.40 rate · balance €17,984.40After 37 months: €1,217.30 rate · balance €18,017.30After 38 months: €1,250.20 rate · balance €18,050.20After 39 months: €1,283.10 rate · balance €18,083.10After 40 months: €1,316.00 rate · balance €18,116After 41 months: €1,348.90 rate · balance €18,148.90After 42 months: €1,381.80 rate · balance €18,181.80After 43 months: €1,414.70 rate · balance €18,214.70After 44 months: €1,447.60 rate · balance €18,247.60After 45 months: €1,480.50 rate · balance €18,280.50After 46 months: €1,513.40 rate · balance €18,313.40After 47 months: €1,546.30 rate · balance €18,346.30After 48 months: €1,579.20 rate · balance €18,379.20
Per year
AfterInterest up to thenBalance
1 year€395€17,195
2 years€790€17,590
3 years€1,184€17,984
4 years€1,579€18,379

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