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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 €25,000
€588
per year, annualised · €2,350 total over 4 years
Deposit guarantee
€25,000 fully protected
German scheme

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

Your calculation for €25,000

Gross interest over 4 years: €2,350.
Interest built up over 4 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,350After 1 month: €48.96 rate · balance €25,048.96After 2 months: €97.92 rate · balance €25,097.92

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

€25,000 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 3 months: €146.87 rate · balance €25,146.87After 4 months: €195.83 rate · balance €25,195.83After 5 months: €244.79 rate · balance €25,244.79After 6 months: €293.75 rate · balance €25,293.75After 7 months: €342.71 rate · balance €25,342.71After 8 months: €391.67 rate · balance €25,391.67After 9 months: €440.62 rate · balance €25,440.62After 10 months: €489.58 rate · balance €25,489.58After 11 months: €538.54 rate · balance €25,538.54After 12 months: €587.50 rate · balance €25,587.50After 13 months: €636.46 rate · balance €25,636.46After 14 months: €685.42 rate · balance €25,685.42After 15 months: €734.37 rate · balance €25,734.37After 16 months: €783.33 rate · balance €25,783.33After 17 months: €832.29 rate · balance €25,832.29After 18 months: €881.25 rate · balance €25,881.25After 19 months: €930.21 rate · balance €25,930.21After 20 months: €979.17 rate · balance €25,979.17After 21 months: €1,028.12 rate · balance €26,028.12After 22 months: €1,077.08 rate · balance €26,077.08After 23 months: €1,126.04 rate · balance €26,126.04After 24 months: €1,175.00 rate · balance €26,175.00After 25 months: €1,223.96 rate · balance €26,223.96After 26 months: €1,272.92 rate · balance €26,272.92After 27 months: €1,321.87 rate · balance €26,321.87After 28 months: €1,370.83 rate · balance €26,370.83After 29 months: €1,419.79 rate · balance €26,419.79After 30 months: €1,468.75 rate · balance €26,468.75After 31 months: €1,517.71 rate · balance €26,517.71After 32 months: €1,566.67 rate · balance €26,566.67After 33 months: €1,615.62 rate · balance €26,615.62After 34 months: €1,664.58 rate · balance €26,664.58After 35 months: €1,713.54 rate · balance €26,713.54After 36 months: €1,762.50 rate · balance €26,762.50After 37 months: €1,811.46 rate · balance €26,811.46After 38 months: €1,860.42 rate · balance €26,860.42After 39 months: €1,909.37 rate · balance €26,909.37After 40 months: €1,958.33 rate · balance €26,958.33After 41 months: €2,007.29 rate · balance €27,007.29After 42 months: €2,056.25 rate · balance €27,056.25After 43 months: €2,105.21 rate · balance €27,105.21After 44 months: €2,154.17 rate · balance €27,154.17After 45 months: €2,203.12 rate · balance €27,203.12After 46 months: €2,252.08 rate · balance €27,252.08After 47 months: €2,301.04 rate · balance €27,301.04After 48 months: €2,350.00 rate · balance €27,350.00
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs€2,350After 1 month: €48.96 rate · balance €25,048.96After 2 months: €97.92 rate · balance €25,097.92After 3 months: €146.87 rate · balance €25,146.87After 4 months: €195.83 rate · balance €25,195.83After 5 months: €244.79 rate · balance €25,244.79After 6 months: €293.75 rate · balance €25,293.75After 7 months: €342.71 rate · balance €25,342.71After 8 months: €391.67 rate · balance €25,391.67After 9 months: €440.62 rate · balance €25,440.62After 10 months: €489.58 rate · balance €25,489.58After 11 months: €538.54 rate · balance €25,538.54After 12 months: €587.50 rate · balance €25,587.50After 13 months: €636.46 rate · balance €25,636.46After 14 months: €685.42 rate · balance €25,685.42After 15 months: €734.37 rate · balance €25,734.37After 16 months: €783.33 rate · balance €25,783.33After 17 months: €832.29 rate · balance €25,832.29After 18 months: €881.25 rate · balance €25,881.25After 19 months: €930.21 rate · balance €25,930.21After 20 months: €979.17 rate · balance €25,979.17After 21 months: €1,028.12 rate · balance €26,028.12After 22 months: €1,077.08 rate · balance €26,077.08After 23 months: €1,126.04 rate · balance €26,126.04After 24 months: €1,175.00 rate · balance €26,175.00After 25 months: €1,223.96 rate · balance €26,223.96After 26 months: €1,272.92 rate · balance €26,272.92After 27 months: €1,321.87 rate · balance €26,321.87After 28 months: €1,370.83 rate · balance €26,370.83After 29 months: €1,419.79 rate · balance €26,419.79After 30 months: €1,468.75 rate · balance €26,468.75After 31 months: €1,517.71 rate · balance €26,517.71After 32 months: €1,566.67 rate · balance €26,566.67After 33 months: €1,615.62 rate · balance €26,615.62After 34 months: €1,664.58 rate · balance €26,664.58After 35 months: €1,713.54 rate · balance €26,713.54After 36 months: €1,762.50 rate · balance €26,762.50After 37 months: €1,811.46 rate · balance €26,811.46After 38 months: €1,860.42 rate · balance €26,860.42After 39 months: €1,909.37 rate · balance €26,909.37After 40 months: €1,958.33 rate · balance €26,958.33After 41 months: €2,007.29 rate · balance €27,007.29After 42 months: €2,056.25 rate · balance €27,056.25After 43 months: €2,105.21 rate · balance €27,105.21After 44 months: €2,154.17 rate · balance €27,154.17After 45 months: €2,203.12 rate · balance €27,203.12After 46 months: €2,252.08 rate · balance €27,252.08After 47 months: €2,301.04 rate · balance €27,301.04After 48 months: €2,350.00 rate · balance €27,350.00
Per year
AfterInterest up to thenBalance
1 year€587€25,587
2 years€1,175€26,175
3 years€1,762€26,762
4 years€2,350€27,350

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