Aareal BankTermijndeposito
Deposit · 4 years · Aareal Bank AG · Germany · via Raisin
- Rate
- 2.35%
- 4 years fixed
- Your return on €50,000
- €1,175
- per year, annualised · €4,700 total over 4 years
- Deposit guarantee
- €50,000 fully protectedGerman scheme
Aareal Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 4 years: €4,700.
Interest built up over 4 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €1,175 | €51,175 |
| 2 years | €2,350 | €52,350 |
| 3 years | €3,525 | €53,525 |
| 4 years | €4,700 | €54,700 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.35% |
- 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
€50,000 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-disclosuresource ↗ · 2 Nov 2026
details
Entschädigungseinrichtung deutscher Banken GmbH (EdB)
Taxes
- Country
- Germany
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Germany withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
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 2 Nov 2026.