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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 €25,000
€875
per year, annualised · €4,375 total over 5 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 5 years: €4,375.
Interest built up over 5 years
€ 0€ 2k€ 4kstart2 yrs4 yrs€4,375

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

€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

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: €72.92 rate · balance €25,072.92After 2 months: €145.83 rate · balance €25,145.83After 3 months: €218.75 rate · balance €25,218.75After 4 months: €291.67 rate · balance €25,291.67After 5 months: €364.58 rate · balance €25,364.58After 6 months: €437.50 rate · balance €25,437.50After 7 months: €510.42 rate · balance €25,510.42After 8 months: €583.33 rate · balance €25,583.33After 9 months: €656.25 rate · balance €25,656.25After 10 months: €729.17 rate · balance €25,729.17After 11 months: €802.08 rate · balance €25,802.08After 12 months: €875.00 rate · balance €25,875.00After 13 months: €947.92 rate · balance €25,947.92After 14 months: €1,020.83 rate · balance €26,020.83After 15 months: €1,093.75 rate · balance €26,093.75After 16 months: €1,166.67 rate · balance €26,166.67After 17 months: €1,239.58 rate · balance €26,239.58After 18 months: €1,312.50 rate · balance €26,312.50After 19 months: €1,385.42 rate · balance €26,385.42After 20 months: €1,458.33 rate · balance €26,458.33After 21 months: €1,531.25 rate · balance €26,531.25After 22 months: €1,604.17 rate · balance €26,604.17After 23 months: €1,677.08 rate · balance €26,677.08After 24 months: €1,750.00 rate · balance €26,750.00After 25 months: €1,822.92 rate · balance €26,822.92After 26 months: €1,895.83 rate · balance €26,895.83After 27 months: €1,968.75 rate · balance €26,968.75After 28 months: €2,041.67 rate · balance €27,041.67After 29 months: €2,114.58 rate · balance €27,114.58After 30 months: €2,187.50 rate · balance €27,187.50After 31 months: €2,260.42 rate · balance €27,260.42After 32 months: €2,333.33 rate · balance €27,333.33After 33 months: €2,406.25 rate · balance €27,406.25After 34 months: €2,479.17 rate · balance €27,479.17After 35 months: €2,552.08 rate · balance €27,552.08After 36 months: €2,625.00 rate · balance €27,625.00After 37 months: €2,697.92 rate · balance €27,697.92After 38 months: €2,770.83 rate · balance €27,770.83After 39 months: €2,843.75 rate · balance €27,843.75After 40 months: €2,916.67 rate · balance €27,916.67After 41 months: €2,989.58 rate · balance €27,989.58After 42 months: €3,062.50 rate · balance €28,062.50After 43 months: €3,135.42 rate · balance €28,135.42After 44 months: €3,208.33 rate · balance €28,208.33After 45 months: €3,281.25 rate · balance €28,281.25After 46 months: €3,354.17 rate · balance €28,354.17After 47 months: €3,427.08 rate · balance €28,427.08After 48 months: €3,500.00 rate · balance €28,500.00After 49 months: €3,572.92 rate · balance €28,572.92After 50 months: €3,645.84 rate · balance €28,645.84After 51 months: €3,718.75 rate · balance €28,718.75After 52 months: €3,791.67 rate · balance €28,791.67After 53 months: €3,864.59 rate · balance €28,864.59After 54 months: €3,937.50 rate · balance €28,937.50After 55 months: €4,010.42 rate · balance €29,010.42After 56 months: €4,083.34 rate · balance €29,083.34After 57 months: €4,156.25 rate · balance €29,156.25After 58 months: €4,229.17 rate · balance €29,229.17After 59 months: €4,302.09 rate · balance €29,302.09After 60 months: €4,375.00 rate · balance €29,375.00
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs€4,375After 1 month: €72.92 rate · balance €25,072.92After 2 months: €145.83 rate · balance €25,145.83After 3 months: €218.75 rate · balance €25,218.75After 4 months: €291.67 rate · balance €25,291.67After 5 months: €364.58 rate · balance €25,364.58After 6 months: €437.50 rate · balance €25,437.50After 7 months: €510.42 rate · balance €25,510.42After 8 months: €583.33 rate · balance €25,583.33After 9 months: €656.25 rate · balance €25,656.25After 10 months: €729.17 rate · balance €25,729.17After 11 months: €802.08 rate · balance €25,802.08After 12 months: €875.00 rate · balance €25,875.00After 13 months: €947.92 rate · balance €25,947.92After 14 months: €1,020.83 rate · balance €26,020.83After 15 months: €1,093.75 rate · balance €26,093.75After 16 months: €1,166.67 rate · balance €26,166.67After 17 months: €1,239.58 rate · balance €26,239.58After 18 months: €1,312.50 rate · balance €26,312.50After 19 months: €1,385.42 rate · balance €26,385.42After 20 months: €1,458.33 rate · balance €26,458.33After 21 months: €1,531.25 rate · balance €26,531.25After 22 months: €1,604.17 rate · balance €26,604.17After 23 months: €1,677.08 rate · balance €26,677.08After 24 months: €1,750.00 rate · balance €26,750.00After 25 months: €1,822.92 rate · balance €26,822.92After 26 months: €1,895.83 rate · balance €26,895.83After 27 months: €1,968.75 rate · balance €26,968.75After 28 months: €2,041.67 rate · balance €27,041.67After 29 months: €2,114.58 rate · balance €27,114.58After 30 months: €2,187.50 rate · balance €27,187.50After 31 months: €2,260.42 rate · balance €27,260.42After 32 months: €2,333.33 rate · balance €27,333.33After 33 months: €2,406.25 rate · balance €27,406.25After 34 months: €2,479.17 rate · balance €27,479.17After 35 months: €2,552.08 rate · balance €27,552.08After 36 months: €2,625.00 rate · balance €27,625.00After 37 months: €2,697.92 rate · balance €27,697.92After 38 months: €2,770.83 rate · balance €27,770.83After 39 months: €2,843.75 rate · balance €27,843.75After 40 months: €2,916.67 rate · balance €27,916.67After 41 months: €2,989.58 rate · balance €27,989.58After 42 months: €3,062.50 rate · balance €28,062.50After 43 months: €3,135.42 rate · balance €28,135.42After 44 months: €3,208.33 rate · balance €28,208.33After 45 months: €3,281.25 rate · balance €28,281.25After 46 months: €3,354.17 rate · balance €28,354.17After 47 months: €3,427.08 rate · balance €28,427.08After 48 months: €3,500.00 rate · balance €28,500.00After 49 months: €3,572.92 rate · balance €28,572.92After 50 months: €3,645.84 rate · balance €28,645.84After 51 months: €3,718.75 rate · balance €28,718.75After 52 months: €3,791.67 rate · balance €28,791.67After 53 months: €3,864.59 rate · balance €28,864.59After 54 months: €3,937.50 rate · balance €28,937.50After 55 months: €4,010.42 rate · balance €29,010.42After 56 months: €4,083.34 rate · balance €29,083.34After 57 months: €4,156.25 rate · balance €29,156.25After 58 months: €4,229.17 rate · balance €29,229.17After 59 months: €4,302.09 rate · balance €29,302.09After 60 months: €4,375.00 rate · balance €29,375.00
Per year
AfterInterest up to thenBalance
1 year€875€25,875
2 years€1,750€26,750
3 years€2,625€27,625
4 years€3,500€28,500
5 years€4,375€29,375

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.