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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 · 7 years · Aareal Bank AG · Germany · via Raisin
Open an account at Aareal Bank
Rate
3.42%
7 years fixed
Your return on €100,000
€3,420
per year, annualised · €23,940 total over 7 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 7 years: €23,940.
Interest built up over 7 years
€ 0€ 10k€ 20kstart2 yrs4 yrs6 yrs

Rate and conditions

BalanceRate
€0 – and up3.42%
Interest payout
yearly, paid out
Fees
none
Rate valid since
24 Aug 2026
Access
7 years fixed · no early withdrawal
Term
7 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

3.42% 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 (84 mo) 3.42%

Rate checked on 18 Sep 2026.

Other offers from Aareal Bank

2 years · 2.00% · Raisin3 years · 2.15% · Raisin4 years · 2.35% · Raisin5 years · 3.50% · Raisin
€23,940After 1 month: €285 rate · balance €100,285After 2 months: €570 rate · balance €100,570After 3 months: €855 rate · balance €100,855After 4 months: €1,140 rate · balance €101,140After 5 months: €1,425 rate · balance €101,425After 6 months: €1,710 rate · balance €101,710After 7 months: €1,995 rate · balance €101,995After 8 months: €2,280 rate · balance €102,280After 9 months: €2,565 rate · balance €102,565After 10 months: €2,850 rate · balance €102,850After 11 months: €3,135 rate · balance €103,135After 12 months: €3,420 rate · balance €103,420After 13 months: €3,705 rate · balance €103,705After 14 months: €3,990 rate · balance €103,990After 15 months: €4,275 rate · balance €104,275After 16 months: €4,560 rate · balance €104,560After 17 months: €4,845 rate · balance €104,845After 18 months: €5,130 rate · balance €105,130After 19 months: €5,415 rate · balance €105,415After 20 months: €5,700 rate · balance €105,700After 21 months: €5,985 rate · balance €105,985After 22 months: €6,270 rate · balance €106,270After 23 months: €6,555 rate · balance €106,555After 24 months: €6,840 rate · balance €106,840After 25 months: €7,125 rate · balance €107,125After 26 months: €7,410 rate · balance €107,410After 27 months: €7,695 rate · balance €107,695After 28 months: €7,980 rate · balance €107,980After 29 months: €8,265 rate · balance €108,265After 30 months: €8,550 rate · balance €108,550After 31 months: €8,835 rate · balance €108,835After 32 months: €9,120 rate · balance €109,120After 33 months: €9,405 rate · balance €109,405After 34 months: €9,690 rate · balance €109,690After 35 months: €9,975 rate · balance €109,975After 36 months: €10,260 rate · balance €110,260After 37 months: €10,545 rate · balance €110,545After 38 months: €10,830 rate · balance €110,830After 39 months: €11,115 rate · balance €111,115After 40 months: €11,400 rate · balance €111,400After 41 months: €11,685 rate · balance €111,685After 42 months: €11,970 rate · balance €111,970After 43 months: €12,255 rate · balance €112,255After 44 months: €12,540 rate · balance €112,540After 45 months: €12,825 rate · balance €112,825After 46 months: €13,110 rate · balance €113,110After 47 months: €13,395 rate · balance €113,395After 48 months: €13,680 rate · balance €113,680After 49 months: €13,965 rate · balance €113,965After 50 months: €14,250 rate · balance €114,250After 51 months: €14,535 rate · balance €114,535After 52 months: €14,820 rate · balance €114,820After 53 months: €15,105 rate · balance €115,105After 54 months: €15,390 rate · balance €115,390After 55 months: €15,675 rate · balance €115,675After 56 months: €15,960 rate · balance €115,960After 57 months: €16,245 rate · balance €116,245After 58 months: €16,530 rate · balance €116,530After 59 months: €16,815 rate · balance €116,815After 60 months: €17,100 rate · balance €117,100After 61 months: €17,385 rate · balance €117,385After 62 months: €17,670 rate · balance €117,670After 63 months: €17,955 rate · balance €117,955After 64 months: €18,240 rate · balance €118,240After 65 months: €18,525 rate · balance €118,525After 66 months: €18,810 rate · balance €118,810After 67 months: €19,095 rate · balance €119,095After 68 months: €19,380 rate · balance €119,380After 69 months: €19,665 rate · balance €119,665After 70 months: €19,950 rate · balance €119,950After 71 months: €20,235 rate · balance €120,235After 72 months: €20,520 rate · balance €120,520After 73 months: €20,805 rate · balance €120,805After 74 months: €21,090 rate · balance €121,090After 75 months: €21,375 rate · balance €121,375After 76 months: €21,660 rate · balance €121,660After 77 months: €21,945 rate · balance €121,945After 78 months: €22,230 rate · balance €122,230After 79 months: €22,515 rate · balance €122,515After 80 months: €22,800 rate · balance €122,800After 81 months: €23,085 rate · balance €123,085After 82 months: €23,370 rate · balance €123,370After 83 months: €23,655 rate · balance €123,655After 84 months: €23,940 rate · balance €123,940
€ 0€ 10k€ 20kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs€23,940After 1 month: €285 rate · balance €100,285After 2 months: €570 rate · balance €100,570After 3 months: €855 rate · balance €100,855After 4 months: €1,140 rate · balance €101,140After 5 months: €1,425 rate · balance €101,425After 6 months: €1,710 rate · balance €101,710After 7 months: €1,995 rate · balance €101,995After 8 months: €2,280 rate · balance €102,280After 9 months: €2,565 rate · balance €102,565After 10 months: €2,850 rate · balance €102,850After 11 months: €3,135 rate · balance €103,135After 12 months: €3,420 rate · balance €103,420After 13 months: €3,705 rate · balance €103,705After 14 months: €3,990 rate · balance €103,990After 15 months: €4,275 rate · balance €104,275After 16 months: €4,560 rate · balance €104,560After 17 months: €4,845 rate · balance €104,845After 18 months: €5,130 rate · balance €105,130After 19 months: €5,415 rate · balance €105,415After 20 months: €5,700 rate · balance €105,700After 21 months: €5,985 rate · balance €105,985After 22 months: €6,270 rate · balance €106,270After 23 months: €6,555 rate · balance €106,555After 24 months: €6,840 rate · balance €106,840After 25 months: €7,125 rate · balance €107,125After 26 months: €7,410 rate · balance €107,410After 27 months: €7,695 rate · balance €107,695After 28 months: €7,980 rate · balance €107,980After 29 months: €8,265 rate · balance €108,265After 30 months: €8,550 rate · balance €108,550After 31 months: €8,835 rate · balance €108,835After 32 months: €9,120 rate · balance €109,120After 33 months: €9,405 rate · balance €109,405After 34 months: €9,690 rate · balance €109,690After 35 months: €9,975 rate · balance €109,975After 36 months: €10,260 rate · balance €110,260After 37 months: €10,545 rate · balance €110,545After 38 months: €10,830 rate · balance €110,830After 39 months: €11,115 rate · balance €111,115After 40 months: €11,400 rate · balance €111,400After 41 months: €11,685 rate · balance €111,685After 42 months: €11,970 rate · balance €111,970After 43 months: €12,255 rate · balance €112,255After 44 months: €12,540 rate · balance €112,540After 45 months: €12,825 rate · balance €112,825After 46 months: €13,110 rate · balance €113,110After 47 months: €13,395 rate · balance €113,395After 48 months: €13,680 rate · balance €113,680After 49 months: €13,965 rate · balance €113,965After 50 months: €14,250 rate · balance €114,250After 51 months: €14,535 rate · balance €114,535After 52 months: €14,820 rate · balance €114,820After 53 months: €15,105 rate · balance €115,105After 54 months: €15,390 rate · balance €115,390After 55 months: €15,675 rate · balance €115,675After 56 months: €15,960 rate · balance €115,960After 57 months: €16,245 rate · balance €116,245After 58 months: €16,530 rate · balance €116,530After 59 months: €16,815 rate · balance €116,815After 60 months: €17,100 rate · balance €117,100After 61 months: €17,385 rate · balance €117,385After 62 months: €17,670 rate · balance €117,670After 63 months: €17,955 rate · balance €117,955After 64 months: €18,240 rate · balance €118,240After 65 months: €18,525 rate · balance €118,525After 66 months: €18,810 rate · balance €118,810After 67 months: €19,095 rate · balance €119,095After 68 months: €19,380 rate · balance €119,380After 69 months: €19,665 rate · balance €119,665After 70 months: €19,950 rate · balance €119,950After 71 months: €20,235 rate · balance €120,235After 72 months: €20,520 rate · balance €120,520After 73 months: €20,805 rate · balance €120,805After 74 months: €21,090 rate · balance €121,090After 75 months: €21,375 rate · balance €121,375After 76 months: €21,660 rate · balance €121,660After 77 months: €21,945 rate · balance €121,945After 78 months: €22,230 rate · balance €122,230After 79 months: €22,515 rate · balance €122,515After 80 months: €22,800 rate · balance €122,800After 81 months: €23,085 rate · balance €123,085After 82 months: €23,370 rate · balance €123,370After 83 months: €23,655 rate · balance €123,655After 84 months: €23,940 rate · balance €123,940
Per year
AfterInterest up to thenBalance
1 year€3,420€103,420
2 years€6,840€106,840
3 years€10,260€110,260
4 years€13,680€113,680
5 years€17,100€117,100
6 years€20,520€120,520
7 years€23,940€123,940

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