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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 · 5 years · Aareal Bank AG · Germany · via Raisin
Open an account at Aareal Bank
Rate
3.50%
5 years fixed
since 15 Sep 2026
Your return on €10,000
€350
per year, annualised · €1,750 total over 5 years
Deposit guarantee
€10,000 fully protected
German scheme

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

Your calculation for €10,000

Gross interest over 5 years: €1,750.
Interest built up over 5 years
€ 0€ 1kstart2 yrs4 yrs€1,750After 1 month: €29.17 rate · balance €10,029.17

Rate and conditions

BalanceRate
€0 – and up3.50%
Interest payout
yearly, paid out
Fees
none
Rate valid since
15 Sep 2026
Access
5 years fixed · no early withdrawal
Term
5 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

€10,000 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

3.00%3.25%3.50%3.75%2 Sep 202610 Sep 2026now3.50%3.32% from 2 Sep 2026 until 15 Sep 20263.50% from 15 Sep 2026 until now
3.00%3.25%3.50%3.75%2 Sep 202610 Sep 2026now3.50%3.32% from 2 Sep 2026 until 15 Sep 20263.50% from 15 Sep 2026 until now

Other offers from Aareal Bank

2 years · 2.00% · Raisin3 years · 2.15% · Raisin4 years · 2.35% · Raisin7 years · 3.42% · Raisin
After 2 months: €58.33 rate · balance €10,058.33After 3 months: €87.50 rate · balance €10,087.50After 4 months: €116.67 rate · balance €10,116.67After 5 months: €145.83 rate · balance €10,145.83After 6 months: €175.00 rate · balance €10,175.00After 7 months: €204.17 rate · balance €10,204.17After 8 months: €233.33 rate · balance €10,233.33After 9 months: €262.50 rate · balance €10,262.50After 10 months: €291.67 rate · balance €10,291.67After 11 months: €320.83 rate · balance €10,320.83After 12 months: €350.00 rate · balance €10,350.00After 13 months: €379.17 rate · balance €10,379.17After 14 months: €408.33 rate · balance €10,408.33After 15 months: €437.50 rate · balance €10,437.50After 16 months: €466.67 rate · balance €10,466.67After 17 months: €495.83 rate · balance €10,495.83After 18 months: €525.00 rate · balance €10,525.00After 19 months: €554.17 rate · balance €10,554.17After 20 months: €583.33 rate · balance €10,583.33After 21 months: €612.50 rate · balance €10,612.50After 22 months: €641.67 rate · balance €10,641.67After 23 months: €670.83 rate · balance €10,670.83After 24 months: €700.00 rate · balance €10,700.00After 25 months: €729.17 rate · balance €10,729.17After 26 months: €758.33 rate · balance €10,758.33After 27 months: €787.50 rate · balance €10,787.50After 28 months: €816.67 rate · balance €10,816.67After 29 months: €845.83 rate · balance €10,845.83After 30 months: €875.00 rate · balance €10,875.00After 31 months: €904.17 rate · balance €10,904.17After 32 months: €933.33 rate · balance €10,933.33After 33 months: €962.50 rate · balance €10,962.50After 34 months: €991.67 rate · balance €10,991.67After 35 months: €1,020.83 rate · balance €11,020.83After 36 months: €1,050.00 rate · balance €11,050.00After 37 months: €1,079.17 rate · balance €11,079.17After 38 months: €1,108.33 rate · balance €11,108.33After 39 months: €1,137.50 rate · balance €11,137.50After 40 months: €1,166.67 rate · balance €11,166.67After 41 months: €1,195.83 rate · balance €11,195.83After 42 months: €1,225.00 rate · balance €11,225.00After 43 months: €1,254.17 rate · balance €11,254.17After 44 months: €1,283.33 rate · balance €11,283.33After 45 months: €1,312.50 rate · balance €11,312.50After 46 months: €1,341.67 rate · balance €11,341.67After 47 months: €1,370.83 rate · balance €11,370.83After 48 months: €1,400.00 rate · balance €11,400.00After 49 months: €1,429.17 rate · balance €11,429.17After 50 months: €1,458.33 rate · balance €11,458.33After 51 months: €1,487.50 rate · balance €11,487.50After 52 months: €1,516.67 rate · balance €11,516.67After 53 months: €1,545.84 rate · balance €11,545.84After 54 months: €1,575.00 rate · balance €11,575.00After 55 months: €1,604.17 rate · balance €11,604.17After 56 months: €1,633.34 rate · balance €11,633.34After 57 months: €1,662.50 rate · balance €11,662.50After 58 months: €1,691.67 rate · balance €11,691.67After 59 months: €1,720.84 rate · balance €11,720.84After 60 months: €1,750.00 rate · balance €11,750.00
€ 0€ 1kstart1 yr2 yrs3 yrs4 yrs5 yrs€1,750After 1 month: €29.17 rate · balance €10,029.17After 2 months: €58.33 rate · balance €10,058.33After 3 months: €87.50 rate · balance €10,087.50After 4 months: €116.67 rate · balance €10,116.67After 5 months: €145.83 rate · balance €10,145.83After 6 months: €175.00 rate · balance €10,175.00After 7 months: €204.17 rate · balance €10,204.17After 8 months: €233.33 rate · balance €10,233.33After 9 months: €262.50 rate · balance €10,262.50After 10 months: €291.67 rate · balance €10,291.67After 11 months: €320.83 rate · balance €10,320.83After 12 months: €350.00 rate · balance €10,350.00After 13 months: €379.17 rate · balance €10,379.17After 14 months: €408.33 rate · balance €10,408.33After 15 months: €437.50 rate · balance €10,437.50After 16 months: €466.67 rate · balance €10,466.67After 17 months: €495.83 rate · balance €10,495.83After 18 months: €525.00 rate · balance €10,525.00After 19 months: €554.17 rate · balance €10,554.17After 20 months: €583.33 rate · balance €10,583.33After 21 months: €612.50 rate · balance €10,612.50After 22 months: €641.67 rate · balance €10,641.67After 23 months: €670.83 rate · balance €10,670.83After 24 months: €700.00 rate · balance €10,700.00After 25 months: €729.17 rate · balance €10,729.17After 26 months: €758.33 rate · balance €10,758.33After 27 months: €787.50 rate · balance €10,787.50After 28 months: €816.67 rate · balance €10,816.67After 29 months: €845.83 rate · balance €10,845.83After 30 months: €875.00 rate · balance €10,875.00After 31 months: €904.17 rate · balance €10,904.17After 32 months: €933.33 rate · balance €10,933.33After 33 months: €962.50 rate · balance €10,962.50After 34 months: €991.67 rate · balance €10,991.67After 35 months: €1,020.83 rate · balance €11,020.83After 36 months: €1,050.00 rate · balance €11,050.00After 37 months: €1,079.17 rate · balance €11,079.17After 38 months: €1,108.33 rate · balance €11,108.33After 39 months: €1,137.50 rate · balance €11,137.50After 40 months: €1,166.67 rate · balance €11,166.67After 41 months: €1,195.83 rate · balance €11,195.83After 42 months: €1,225.00 rate · balance €11,225.00After 43 months: €1,254.17 rate · balance €11,254.17After 44 months: €1,283.33 rate · balance €11,283.33After 45 months: €1,312.50 rate · balance €11,312.50After 46 months: €1,341.67 rate · balance €11,341.67After 47 months: €1,370.83 rate · balance €11,370.83After 48 months: €1,400.00 rate · balance €11,400.00After 49 months: €1,429.17 rate · balance €11,429.17After 50 months: €1,458.33 rate · balance €11,458.33After 51 months: €1,487.50 rate · balance €11,487.50After 52 months: €1,516.67 rate · balance €11,516.67After 53 months: €1,545.84 rate · balance €11,545.84After 54 months: €1,575.00 rate · balance €11,575.00After 55 months: €1,604.17 rate · balance €11,604.17After 56 months: €1,633.34 rate · balance €11,633.34After 57 months: €1,662.50 rate · balance €11,662.50After 58 months: €1,691.67 rate · balance €11,691.67After 59 months: €1,720.84 rate · balance €11,720.84After 60 months: €1,750.00 rate · balance €11,750.00
Per year
AfterInterest up to thenBalance
1 year€350€10,350
2 years€700€10,700
3 years€1,050€11,050
4 years€1,400€11,400
5 years€1,750€11,750

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

From
Rate
Until
15 Sep 20263.50%current
2 Sep 20263.32%15 Sep 2026

All historic rates of Aareal Bank →All savings products of Aareal Bank →

  • 15 Sep 2026Aareal Bank – Termijndeposito (60 mo): 3.32% → 3.50%
  • 2 Sep 2026New: Aareal Bank – Termijndeposito (60 mo) 3.32%

Rate checked on 18 Sep 2026.