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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 €25,000
€855
per year, annualised · €5,985 total over 7 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 7 years: €5,985.
Interest built up over 7 years
€ 0€ 2k€ 4kstart2 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

€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

3.42% 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
€5,985After 1 month: €71.25 rate · balance €25,071.25After 2 months: €142.50 rate · balance €25,142.50After 3 months: €213.75 rate · balance €25,213.75After 4 months: €285 rate · balance €25,285After 5 months: €356.25 rate · balance €25,356.25After 6 months: €427.50 rate · balance €25,427.50After 7 months: €498.75 rate · balance €25,498.75After 8 months: €570 rate · balance €25,570After 9 months: €641.25 rate · balance €25,641.25After 10 months: €712.50 rate · balance €25,712.50After 11 months: €783.75 rate · balance €25,783.75After 12 months: €855 rate · balance €25,855After 13 months: €926.25 rate · balance €25,926.25After 14 months: €997.50 rate · balance €25,997.50After 15 months: €1,068.75 rate · balance €26,068.75After 16 months: €1,140 rate · balance €26,140After 17 months: €1,211.25 rate · balance €26,211.25After 18 months: €1,282.50 rate · balance €26,282.50After 19 months: €1,353.75 rate · balance €26,353.75After 20 months: €1,425 rate · balance €26,425After 21 months: €1,496.25 rate · balance €26,496.25After 22 months: €1,567.50 rate · balance €26,567.50After 23 months: €1,638.75 rate · balance €26,638.75After 24 months: €1,710 rate · balance €26,710After 25 months: €1,781.25 rate · balance €26,781.25After 26 months: €1,852.50 rate · balance €26,852.50After 27 months: €1,923.75 rate · balance €26,923.75After 28 months: €1,995 rate · balance €26,995After 29 months: €2,066.25 rate · balance €27,066.25After 30 months: €2,137.50 rate · balance €27,137.50After 31 months: €2,208.75 rate · balance €27,208.75After 32 months: €2,280 rate · balance €27,280After 33 months: €2,351.25 rate · balance €27,351.25After 34 months: €2,422.50 rate · balance €27,422.50After 35 months: €2,493.75 rate · balance €27,493.75After 36 months: €2,565 rate · balance €27,565After 37 months: €2,636.25 rate · balance €27,636.25After 38 months: €2,707.50 rate · balance €27,707.50After 39 months: €2,778.75 rate · balance €27,778.75After 40 months: €2,850 rate · balance €27,850After 41 months: €2,921.25 rate · balance €27,921.25After 42 months: €2,992.50 rate · balance €27,992.50After 43 months: €3,063.75 rate · balance €28,063.75After 44 months: €3,135 rate · balance €28,135After 45 months: €3,206.25 rate · balance €28,206.25After 46 months: €3,277.50 rate · balance €28,277.50After 47 months: €3,348.75 rate · balance €28,348.75After 48 months: €3,420 rate · balance €28,420After 49 months: €3,491.25 rate · balance €28,491.25After 50 months: €3,562.50 rate · balance €28,562.50After 51 months: €3,633.75 rate · balance €28,633.75After 52 months: €3,705 rate · balance €28,705After 53 months: €3,776.25 rate · balance €28,776.25After 54 months: €3,847.50 rate · balance €28,847.50After 55 months: €3,918.75 rate · balance €28,918.75After 56 months: €3,990 rate · balance €28,990After 57 months: €4,061.25 rate · balance €29,061.25After 58 months: €4,132.50 rate · balance €29,132.50After 59 months: €4,203.75 rate · balance €29,203.75After 60 months: €4,275 rate · balance €29,275After 61 months: €4,346.25 rate · balance €29,346.25After 62 months: €4,417.50 rate · balance €29,417.50After 63 months: €4,488.75 rate · balance €29,488.75After 64 months: €4,560 rate · balance €29,560After 65 months: €4,631.25 rate · balance €29,631.25After 66 months: €4,702.50 rate · balance €29,702.50After 67 months: €4,773.75 rate · balance €29,773.75After 68 months: €4,845 rate · balance €29,845After 69 months: €4,916.25 rate · balance €29,916.25After 70 months: €4,987.50 rate · balance €29,987.50After 71 months: €5,058.75 rate · balance €30,058.75After 72 months: €5,130 rate · balance €30,130After 73 months: €5,201.25 rate · balance €30,201.25After 74 months: €5,272.50 rate · balance €30,272.50After 75 months: €5,343.75 rate · balance €30,343.75After 76 months: €5,415 rate · balance €30,415After 77 months: €5,486.25 rate · balance €30,486.25After 78 months: €5,557.50 rate · balance €30,557.50After 79 months: €5,628.75 rate · balance €30,628.75After 80 months: €5,700 rate · balance €30,700After 81 months: €5,771.25 rate · balance €30,771.25After 82 months: €5,842.50 rate · balance €30,842.50After 83 months: €5,913.75 rate · balance €30,913.75After 84 months: €5,985 rate · balance €30,985
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs€5,985After 1 month: €71.25 rate · balance €25,071.25After 2 months: €142.50 rate · balance €25,142.50After 3 months: €213.75 rate · balance €25,213.75After 4 months: €285 rate · balance €25,285After 5 months: €356.25 rate · balance €25,356.25After 6 months: €427.50 rate · balance €25,427.50After 7 months: €498.75 rate · balance €25,498.75After 8 months: €570 rate · balance €25,570After 9 months: €641.25 rate · balance €25,641.25After 10 months: €712.50 rate · balance €25,712.50After 11 months: €783.75 rate · balance €25,783.75After 12 months: €855 rate · balance €25,855After 13 months: €926.25 rate · balance €25,926.25After 14 months: €997.50 rate · balance €25,997.50After 15 months: €1,068.75 rate · balance €26,068.75After 16 months: €1,140 rate · balance €26,140After 17 months: €1,211.25 rate · balance €26,211.25After 18 months: €1,282.50 rate · balance €26,282.50After 19 months: €1,353.75 rate · balance €26,353.75After 20 months: €1,425 rate · balance €26,425After 21 months: €1,496.25 rate · balance €26,496.25After 22 months: €1,567.50 rate · balance €26,567.50After 23 months: €1,638.75 rate · balance €26,638.75After 24 months: €1,710 rate · balance €26,710After 25 months: €1,781.25 rate · balance €26,781.25After 26 months: €1,852.50 rate · balance €26,852.50After 27 months: €1,923.75 rate · balance €26,923.75After 28 months: €1,995 rate · balance €26,995After 29 months: €2,066.25 rate · balance €27,066.25After 30 months: €2,137.50 rate · balance €27,137.50After 31 months: €2,208.75 rate · balance €27,208.75After 32 months: €2,280 rate · balance €27,280After 33 months: €2,351.25 rate · balance €27,351.25After 34 months: €2,422.50 rate · balance €27,422.50After 35 months: €2,493.75 rate · balance €27,493.75After 36 months: €2,565 rate · balance €27,565After 37 months: €2,636.25 rate · balance €27,636.25After 38 months: €2,707.50 rate · balance €27,707.50After 39 months: €2,778.75 rate · balance €27,778.75After 40 months: €2,850 rate · balance €27,850After 41 months: €2,921.25 rate · balance €27,921.25After 42 months: €2,992.50 rate · balance €27,992.50After 43 months: €3,063.75 rate · balance €28,063.75After 44 months: €3,135 rate · balance €28,135After 45 months: €3,206.25 rate · balance €28,206.25After 46 months: €3,277.50 rate · balance €28,277.50After 47 months: €3,348.75 rate · balance €28,348.75After 48 months: €3,420 rate · balance €28,420After 49 months: €3,491.25 rate · balance €28,491.25After 50 months: €3,562.50 rate · balance €28,562.50After 51 months: €3,633.75 rate · balance €28,633.75After 52 months: €3,705 rate · balance €28,705After 53 months: €3,776.25 rate · balance €28,776.25After 54 months: €3,847.50 rate · balance €28,847.50After 55 months: €3,918.75 rate · balance €28,918.75After 56 months: €3,990 rate · balance €28,990After 57 months: €4,061.25 rate · balance €29,061.25After 58 months: €4,132.50 rate · balance €29,132.50After 59 months: €4,203.75 rate · balance €29,203.75After 60 months: €4,275 rate · balance €29,275After 61 months: €4,346.25 rate · balance €29,346.25After 62 months: €4,417.50 rate · balance €29,417.50After 63 months: €4,488.75 rate · balance €29,488.75After 64 months: €4,560 rate · balance €29,560After 65 months: €4,631.25 rate · balance €29,631.25After 66 months: €4,702.50 rate · balance €29,702.50After 67 months: €4,773.75 rate · balance €29,773.75After 68 months: €4,845 rate · balance €29,845After 69 months: €4,916.25 rate · balance €29,916.25After 70 months: €4,987.50 rate · balance €29,987.50After 71 months: €5,058.75 rate · balance €30,058.75After 72 months: €5,130 rate · balance €30,130After 73 months: €5,201.25 rate · balance €30,201.25After 74 months: €5,272.50 rate · balance €30,272.50After 75 months: €5,343.75 rate · balance €30,343.75After 76 months: €5,415 rate · balance €30,415After 77 months: €5,486.25 rate · balance €30,486.25After 78 months: €5,557.50 rate · balance €30,557.50After 79 months: €5,628.75 rate · balance €30,628.75After 80 months: €5,700 rate · balance €30,700After 81 months: €5,771.25 rate · balance €30,771.25After 82 months: €5,842.50 rate · balance €30,842.50After 83 months: €5,913.75 rate · balance €30,913.75After 84 months: €5,985 rate · balance €30,985
Per year
AfterInterest up to thenBalance
1 year€855€25,855
2 years€1,710€26,710
3 years€2,565€27,565
4 years€3,420€28,420
5 years€4,275€29,275
6 years€5,130€30,130
7 years€5,985€30,985

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