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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 Deutsche Bausparkasse Badenia
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Deutsche Bausparkasse BadeniaTermijndeposito

Deposit · 9 years · Deutsche Bausparkasse Badenia AG · Germany · via Raisin
Open an account at Deutsche Bausparkasse Badenia
Rate
3.50%
9 years fixed
Your return on €100,000
€3,500
per year, annualised · €31,500 total over 9 years
Deposit guarantee
€100,000 fully protected
German scheme

Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Your calculation for €100,000

Gross interest over 9 years: €31,500.
Interest built up over 9 years
€ 0€ 20kstart3 yrs6 yrs9 yrs

Rate and conditions

BalanceRate
€0 – and up3.50%
Interest payout
yearly, paid out
Fees
none
Rate valid since
28 Aug 2026
Access
9 years fixed · no early withdrawal
Term
9 years
Minimum deposit
€5,000
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

Deutsche Bausparkasse Badenia AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Licence and verification
Institution
Deutsche Bausparkasse Badenia 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.

Rate history

3.50% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Deutsche Bausparkasse Badenia →All savings products of Deutsche Bausparkasse Badenia →

  • 2 Sep 2026New: Deutsche Bausparkasse Badenia – Termijndeposito (108 mo) 3.50%

Rate checked on 18 Sep 2026.

Other offers from Deutsche Bausparkasse Badenia

1 year · 2.61% · Raisin5 years · 3.00% · Raisin6 years · 3.40% · Raisin7 years · 3.40% · Raisin8 years · 3.50% · Raisin10 years · 3.70% · Raisin
€31,500After 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 €117,500.00After 61 months: €17,791.67 rate · balance €117,791.67After 62 months: €18,083.34 rate · balance €118,083.34After 63 months: €18,375.00 rate · balance €118,375.00After 64 months: €18,666.67 rate · balance €118,666.67After 65 months: €18,958.34 rate · balance €118,958.34After 66 months: €19,250.00 rate · balance €119,250.00After 67 months: €19,541.67 rate · balance €119,541.67After 68 months: €19,833.34 rate · balance €119,833.34After 69 months: €20,125.00 rate · balance €120,125.00After 70 months: €20,416.67 rate · balance €120,416.67After 71 months: €20,708.34 rate · balance €120,708.34After 72 months: €21,000.00 rate · balance €121,000.00After 73 months: €21,291.67 rate · balance €121,291.67After 74 months: €21,583.34 rate · balance €121,583.34After 75 months: €21,875.00 rate · balance €121,875.00After 76 months: €22,166.67 rate · balance €122,166.67After 77 months: €22,458.34 rate · balance €122,458.34After 78 months: €22,750.00 rate · balance €122,750.00After 79 months: €23,041.67 rate · balance €123,041.67After 80 months: €23,333.34 rate · balance €123,333.34After 81 months: €23,625.00 rate · balance €123,625.00After 82 months: €23,916.67 rate · balance €123,916.67After 83 months: €24,208.34 rate · balance €124,208.34After 84 months: €24,500.00 rate · balance €124,500.00After 85 months: €24,791.67 rate · balance €124,791.67After 86 months: €25,083.34 rate · balance €125,083.34After 87 months: €25,375.00 rate · balance €125,375.00After 88 months: €25,666.67 rate · balance €125,666.67After 89 months: €25,958.34 rate · balance €125,958.34After 90 months: €26,250.00 rate · balance €126,250.00After 91 months: €26,541.67 rate · balance €126,541.67After 92 months: €26,833.34 rate · balance €126,833.34After 93 months: €27,125.00 rate · balance €127,125.00After 94 months: €27,416.67 rate · balance €127,416.67After 95 months: €27,708.34 rate · balance €127,708.34After 96 months: €28,000.00 rate · balance €128,000.00After 97 months: €28,291.67 rate · balance €128,291.67After 98 months: €28,583.34 rate · balance €128,583.34After 99 months: €28,875.00 rate · balance €128,875.00After 100 months: €29,166.67 rate · balance €129,166.67After 101 months: €29,458.34 rate · balance €129,458.34After 102 months: €29,750.00 rate · balance €129,750.00After 103 months: €30,041.67 rate · balance €130,041.67After 104 months: €30,333.34 rate · balance €130,333.34After 105 months: €30,625.00 rate · balance €130,625.00After 106 months: €30,916.67 rate · balance €130,916.67After 107 months: €31,208.34 rate · balance €131,208.34After 108 months: €31,500.00 rate · balance €131,500.00
€ 0€ 20kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs9 yrs€31,500After 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 €117,500.00After 61 months: €17,791.67 rate · balance €117,791.67After 62 months: €18,083.34 rate · balance €118,083.34After 63 months: €18,375.00 rate · balance €118,375.00After 64 months: €18,666.67 rate · balance €118,666.67After 65 months: €18,958.34 rate · balance €118,958.34After 66 months: €19,250.00 rate · balance €119,250.00After 67 months: €19,541.67 rate · balance €119,541.67After 68 months: €19,833.34 rate · balance €119,833.34After 69 months: €20,125.00 rate · balance €120,125.00After 70 months: €20,416.67 rate · balance €120,416.67After 71 months: €20,708.34 rate · balance €120,708.34After 72 months: €21,000.00 rate · balance €121,000.00After 73 months: €21,291.67 rate · balance €121,291.67After 74 months: €21,583.34 rate · balance €121,583.34After 75 months: €21,875.00 rate · balance €121,875.00After 76 months: €22,166.67 rate · balance €122,166.67After 77 months: €22,458.34 rate · balance €122,458.34After 78 months: €22,750.00 rate · balance €122,750.00After 79 months: €23,041.67 rate · balance €123,041.67After 80 months: €23,333.34 rate · balance €123,333.34After 81 months: €23,625.00 rate · balance €123,625.00After 82 months: €23,916.67 rate · balance €123,916.67After 83 months: €24,208.34 rate · balance €124,208.34After 84 months: €24,500.00 rate · balance €124,500.00After 85 months: €24,791.67 rate · balance €124,791.67After 86 months: €25,083.34 rate · balance €125,083.34After 87 months: €25,375.00 rate · balance €125,375.00After 88 months: €25,666.67 rate · balance €125,666.67After 89 months: €25,958.34 rate · balance €125,958.34After 90 months: €26,250.00 rate · balance €126,250.00After 91 months: €26,541.67 rate · balance €126,541.67After 92 months: €26,833.34 rate · balance €126,833.34After 93 months: €27,125.00 rate · balance €127,125.00After 94 months: €27,416.67 rate · balance €127,416.67After 95 months: €27,708.34 rate · balance €127,708.34After 96 months: €28,000.00 rate · balance €128,000.00After 97 months: €28,291.67 rate · balance €128,291.67After 98 months: €28,583.34 rate · balance €128,583.34After 99 months: €28,875.00 rate · balance €128,875.00After 100 months: €29,166.67 rate · balance €129,166.67After 101 months: €29,458.34 rate · balance €129,458.34After 102 months: €29,750.00 rate · balance €129,750.00After 103 months: €30,041.67 rate · balance €130,041.67After 104 months: €30,333.34 rate · balance €130,333.34After 105 months: €30,625.00 rate · balance €130,625.00After 106 months: €30,916.67 rate · balance €130,916.67After 107 months: €31,208.34 rate · balance €131,208.34After 108 months: €31,500.00 rate · balance €131,500.00
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
6 years€21,000€121,000
7 years€24,500€124,500
8 years€28,000€128,000
9 years€31,500€131,500

Rates are gross. The Dutch box 3 wealth tax is separate and not included.

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