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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 €16,800
€588
per year, annualised · €2,940 total over 5 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 5 years: €2,940.
Interest built up over 5 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,940

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

€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

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 1 month: €49 rate · balance €16,849After 2 months: €98 rate · balance €16,898After 3 months: €147 rate · balance €16,947After 4 months: €196 rate · balance €16,996After 5 months: €245 rate · balance €17,045After 6 months: €294 rate · balance €17,094After 7 months: €343 rate · balance €17,143After 8 months: €392 rate · balance €17,192After 9 months: €441 rate · balance €17,241After 10 months: €490 rate · balance €17,290After 11 months: €539 rate · balance €17,339After 12 months: €588 rate · balance €17,388After 13 months: €637 rate · balance €17,437After 14 months: €686 rate · balance €17,486After 15 months: €735 rate · balance €17,535After 16 months: €784 rate · balance €17,584After 17 months: €833 rate · balance €17,633After 18 months: €882 rate · balance €17,682After 19 months: €931 rate · balance €17,731After 20 months: €980 rate · balance €17,780After 21 months: €1,029 rate · balance €17,829After 22 months: €1,078 rate · balance €17,878After 23 months: €1,127 rate · balance €17,927After 24 months: €1,176 rate · balance €17,976After 25 months: €1,225 rate · balance €18,025After 26 months: €1,274 rate · balance €18,074After 27 months: €1,323 rate · balance €18,123After 28 months: €1,372 rate · balance €18,172After 29 months: €1,421 rate · balance €18,221After 30 months: €1,470 rate · balance €18,270After 31 months: €1,519 rate · balance €18,319After 32 months: €1,568 rate · balance €18,368After 33 months: €1,617 rate · balance €18,417After 34 months: €1,666 rate · balance €18,466After 35 months: €1,715 rate · balance €18,515After 36 months: €1,764 rate · balance €18,564After 37 months: €1,813 rate · balance €18,613After 38 months: €1,862 rate · balance €18,662After 39 months: €1,911 rate · balance €18,711After 40 months: €1,960 rate · balance €18,760After 41 months: €2,009 rate · balance €18,809After 42 months: €2,058 rate · balance €18,858After 43 months: €2,107 rate · balance €18,907After 44 months: €2,156 rate · balance €18,956After 45 months: €2,205 rate · balance €19,005After 46 months: €2,254 rate · balance €19,054After 47 months: €2,303 rate · balance €19,103After 48 months: €2,352 rate · balance €19,152After 49 months: €2,401 rate · balance €19,201After 50 months: €2,450 rate · balance €19,250After 51 months: €2,499 rate · balance €19,299After 52 months: €2,548 rate · balance €19,348After 53 months: €2,597 rate · balance €19,397After 54 months: €2,646 rate · balance €19,446After 55 months: €2,695 rate · balance €19,495After 56 months: €2,744 rate · balance €19,544After 57 months: €2,793 rate · balance €19,593After 58 months: €2,842 rate · balance €19,642After 59 months: €2,891 rate · balance €19,691After 60 months: €2,940 rate · balance €19,740
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs€2,940After 1 month: €49 rate · balance €16,849After 2 months: €98 rate · balance €16,898After 3 months: €147 rate · balance €16,947After 4 months: €196 rate · balance €16,996After 5 months: €245 rate · balance €17,045After 6 months: €294 rate · balance €17,094After 7 months: €343 rate · balance €17,143After 8 months: €392 rate · balance €17,192After 9 months: €441 rate · balance €17,241After 10 months: €490 rate · balance €17,290After 11 months: €539 rate · balance €17,339After 12 months: €588 rate · balance €17,388After 13 months: €637 rate · balance €17,437After 14 months: €686 rate · balance €17,486After 15 months: €735 rate · balance €17,535After 16 months: €784 rate · balance €17,584After 17 months: €833 rate · balance €17,633After 18 months: €882 rate · balance €17,682After 19 months: €931 rate · balance €17,731After 20 months: €980 rate · balance €17,780After 21 months: €1,029 rate · balance €17,829After 22 months: €1,078 rate · balance €17,878After 23 months: €1,127 rate · balance €17,927After 24 months: €1,176 rate · balance €17,976After 25 months: €1,225 rate · balance €18,025After 26 months: €1,274 rate · balance €18,074After 27 months: €1,323 rate · balance €18,123After 28 months: €1,372 rate · balance €18,172After 29 months: €1,421 rate · balance €18,221After 30 months: €1,470 rate · balance €18,270After 31 months: €1,519 rate · balance €18,319After 32 months: €1,568 rate · balance €18,368After 33 months: €1,617 rate · balance €18,417After 34 months: €1,666 rate · balance €18,466After 35 months: €1,715 rate · balance €18,515After 36 months: €1,764 rate · balance €18,564After 37 months: €1,813 rate · balance €18,613After 38 months: €1,862 rate · balance €18,662After 39 months: €1,911 rate · balance €18,711After 40 months: €1,960 rate · balance €18,760After 41 months: €2,009 rate · balance €18,809After 42 months: €2,058 rate · balance €18,858After 43 months: €2,107 rate · balance €18,907After 44 months: €2,156 rate · balance €18,956After 45 months: €2,205 rate · balance €19,005After 46 months: €2,254 rate · balance €19,054After 47 months: €2,303 rate · balance €19,103After 48 months: €2,352 rate · balance €19,152After 49 months: €2,401 rate · balance €19,201After 50 months: €2,450 rate · balance €19,250After 51 months: €2,499 rate · balance €19,299After 52 months: €2,548 rate · balance €19,348After 53 months: €2,597 rate · balance €19,397After 54 months: €2,646 rate · balance €19,446After 55 months: €2,695 rate · balance €19,495After 56 months: €2,744 rate · balance €19,544After 57 months: €2,793 rate · balance €19,593After 58 months: €2,842 rate · balance €19,642After 59 months: €2,891 rate · balance €19,691After 60 months: €2,940 rate · balance €19,740
Per year
AfterInterest up to thenBalance
1 year€588€17,388
2 years€1,176€17,976
3 years€1,764€18,564
4 years€2,352€19,152
5 years€2,940€19,740

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.