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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 €100,000
€3,500
per year, annualised · €17,500 total over 5 years
Deposit guarantee
€100,000 fully protected
German scheme

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

Your calculation for €100,000

Gross interest over 5 years: €17,500.
Interest built up over 5 years
€ 0€ 10kstart2 yrs4 yrs€17,500After 1 month: €291.67 rate · balance €100,291.67

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

€100,000 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: €583.33 rate · balance €100,583.33After 3 months: €875.00 rate · balance €100,875.00After 4 months: €1,166.67 rate · balance €101,166.67After 5 months: €1,458.33 rate · balance €101,458.33After 6 months: €1,750.00 rate · balance €101,750.00After 7 months: €2,041.67 rate · balance €102,041.67After 8 months: €2,333.33 rate · balance €102,333.33After 9 months: €2,625.00 rate · balance €102,625.00After 10 months: €2,916.67 rate · balance €102,916.67After 11 months: €3,208.33 rate · balance €103,208.33After 12 months: €3,500.00 rate · balance €103,500.00After 13 months: €3,791.67 rate · balance €103,791.67After 14 months: €4,083.33 rate · balance €104,083.33After 15 months: €4,375.00 rate · balance €104,375.00After 16 months: €4,666.67 rate · balance €104,666.67After 17 months: €4,958.33 rate · balance €104,958.33After 18 months: €5,250.00 rate · balance €105,250.00After 19 months: €5,541.67 rate · balance €105,541.67After 20 months: €5,833.33 rate · balance €105,833.33After 21 months: €6,125.00 rate · balance €106,125.00After 22 months: €6,416.67 rate · balance €106,416.67After 23 months: €6,708.33 rate · balance €106,708.33After 24 months: €7,000.00 rate · balance €107,000.00After 25 months: €7,291.67 rate · balance €107,291.67After 26 months: €7,583.33 rate · balance €107,583.33After 27 months: €7,875.00 rate · balance €107,875.00After 28 months: €8,166.67 rate · balance €108,166.67After 29 months: €8,458.33 rate · balance €108,458.33After 30 months: €8,750.00 rate · balance €108,750.00After 31 months: €9,041.67 rate · balance €109,041.67After 32 months: €9,333.33 rate · balance €109,333.33After 33 months: €9,625.00 rate · balance €109,625.00After 34 months: €9,916.67 rate · balance €109,916.67After 35 months: €10,208.33 rate · balance €110,208.33After 36 months: €10,500.00 rate · balance €110,500.00After 37 months: €10,791.67 rate · balance €110,791.67After 38 months: €11,083.33 rate · balance €111,083.33After 39 months: €11,375.00 rate · balance €111,375.00After 40 months: €11,666.67 rate · balance €111,666.67After 41 months: €11,958.33 rate · balance €111,958.33After 42 months: €12,250.00 rate · balance €112,250.00After 43 months: €12,541.67 rate · balance €112,541.67After 44 months: €12,833.33 rate · balance €112,833.33After 45 months: €13,125.00 rate · balance €113,125.00After 46 months: €13,416.67 rate · balance €113,416.67After 47 months: €13,708.33 rate · balance €113,708.33After 48 months: €14,000.00 rate · balance €114,000.00After 49 months: €14,291.67 rate · balance €114,291.67After 50 months: €14,583.33 rate · balance €114,583.33After 51 months: €14,875.00 rate · balance €114,875.00After 52 months: €15,166.67 rate · balance €115,166.67After 53 months: €15,458.34 rate · balance €115,458.34After 54 months: €15,750.00 rate · balance €115,750.00After 55 months: €16,041.67 rate · balance €116,041.67After 56 months: €16,333.34 rate · balance €116,333.34After 57 months: €16,625.00 rate · balance €116,625.00After 58 months: €16,916.67 rate · balance €116,916.67After 59 months: €17,208.34 rate · balance €117,208.34After 60 months: €17,500.00 rate · balance €117,500.00
€ 0€ 10kstart1 yr2 yrs3 yrs4 yrs5 yrs€17,500After 1 month: €291.67 rate · balance €100,291.67After 2 months: €583.33 rate · balance €100,583.33After 3 months: €875.00 rate · balance €100,875.00After 4 months: €1,166.67 rate · balance €101,166.67After 5 months: €1,458.33 rate · balance €101,458.33After 6 months: €1,750.00 rate · balance €101,750.00After 7 months: €2,041.67 rate · balance €102,041.67After 8 months: €2,333.33 rate · balance €102,333.33After 9 months: €2,625.00 rate · balance €102,625.00After 10 months: €2,916.67 rate · balance €102,916.67After 11 months: €3,208.33 rate · balance €103,208.33After 12 months: €3,500.00 rate · balance €103,500.00After 13 months: €3,791.67 rate · balance €103,791.67After 14 months: €4,083.33 rate · balance €104,083.33After 15 months: €4,375.00 rate · balance €104,375.00After 16 months: €4,666.67 rate · balance €104,666.67After 17 months: €4,958.33 rate · balance €104,958.33After 18 months: €5,250.00 rate · balance €105,250.00After 19 months: €5,541.67 rate · balance €105,541.67After 20 months: €5,833.33 rate · balance €105,833.33After 21 months: €6,125.00 rate · balance €106,125.00After 22 months: €6,416.67 rate · balance €106,416.67After 23 months: €6,708.33 rate · balance €106,708.33After 24 months: €7,000.00 rate · balance €107,000.00After 25 months: €7,291.67 rate · balance €107,291.67After 26 months: €7,583.33 rate · balance €107,583.33After 27 months: €7,875.00 rate · balance €107,875.00After 28 months: €8,166.67 rate · balance €108,166.67After 29 months: €8,458.33 rate · balance €108,458.33After 30 months: €8,750.00 rate · balance €108,750.00After 31 months: €9,041.67 rate · balance €109,041.67After 32 months: €9,333.33 rate · balance €109,333.33After 33 months: €9,625.00 rate · balance €109,625.00After 34 months: €9,916.67 rate · balance €109,916.67After 35 months: €10,208.33 rate · balance €110,208.33After 36 months: €10,500.00 rate · balance €110,500.00After 37 months: €10,791.67 rate · balance €110,791.67After 38 months: €11,083.33 rate · balance €111,083.33After 39 months: €11,375.00 rate · balance €111,375.00After 40 months: €11,666.67 rate · balance €111,666.67After 41 months: €11,958.33 rate · balance €111,958.33After 42 months: €12,250.00 rate · balance €112,250.00After 43 months: €12,541.67 rate · balance €112,541.67After 44 months: €12,833.33 rate · balance €112,833.33After 45 months: €13,125.00 rate · balance €113,125.00After 46 months: €13,416.67 rate · balance €113,416.67After 47 months: €13,708.33 rate · balance €113,708.33After 48 months: €14,000.00 rate · balance €114,000.00After 49 months: €14,291.67 rate · balance €114,291.67After 50 months: €14,583.33 rate · balance €114,583.33After 51 months: €14,875.00 rate · balance €114,875.00After 52 months: €15,166.67 rate · balance €115,166.67After 53 months: €15,458.34 rate · balance €115,458.34After 54 months: €15,750.00 rate · balance €115,750.00After 55 months: €16,041.67 rate · balance €116,041.67After 56 months: €16,333.34 rate · balance €116,333.34After 57 months: €16,625.00 rate · balance €116,625.00After 58 months: €16,916.67 rate · balance €116,916.67After 59 months: €17,208.34 rate · balance €117,208.34After 60 months: €17,500.00 rate · balance €117,500.00
Per year
AfterInterest up to thenBalance
1 year€3,500€103,500
2 years€7,000€107,000
3 years€10,500€110,500
4 years€14,000€114,000
5 years€17,500€117,500

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.