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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 €16,600
€581
per year, annualised · €5,229 total over 9 years
Deposit guarantee
€16,600 fully protected
German scheme

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

Your calculation for €16,600

Gross interest over 9 years: €5,229.
Interest built up over 9 years
€ 0€ 2k€ 4kstart3 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

€16,600 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
€5,229After 1 month: €48.42 rate · balance €16,648.42After 2 months: €96.83 rate · balance €16,696.83After 3 months: €145.25 rate · balance €16,745.25After 4 months: €193.67 rate · balance €16,793.67After 5 months: €242.08 rate · balance €16,842.08After 6 months: €290.50 rate · balance €16,890.50After 7 months: €338.92 rate · balance €16,938.92After 8 months: €387.33 rate · balance €16,987.33After 9 months: €435.75 rate · balance €17,035.75After 10 months: €484.17 rate · balance €17,084.17After 11 months: €532.58 rate · balance €17,132.58After 12 months: €581.00 rate · balance €17,181.00After 13 months: €629.42 rate · balance €17,229.42After 14 months: €677.83 rate · balance €17,277.83After 15 months: €726.25 rate · balance €17,326.25After 16 months: €774.67 rate · balance €17,374.67After 17 months: €823.08 rate · balance €17,423.08After 18 months: €871.50 rate · balance €17,471.50After 19 months: €919.92 rate · balance €17,519.92After 20 months: €968.33 rate · balance €17,568.33After 21 months: €1,016.75 rate · balance €17,616.75After 22 months: €1,065.17 rate · balance €17,665.17After 23 months: €1,113.58 rate · balance €17,713.58After 24 months: €1,162.00 rate · balance €17,762.00After 25 months: €1,210.42 rate · balance €17,810.42After 26 months: €1,258.83 rate · balance €17,858.83After 27 months: €1,307.25 rate · balance €17,907.25After 28 months: €1,355.67 rate · balance €17,955.67After 29 months: €1,404.08 rate · balance €18,004.08After 30 months: €1,452.50 rate · balance €18,052.50After 31 months: €1,500.92 rate · balance €18,100.92After 32 months: €1,549.33 rate · balance €18,149.33After 33 months: €1,597.75 rate · balance €18,197.75After 34 months: €1,646.17 rate · balance €18,246.17After 35 months: €1,694.58 rate · balance €18,294.58After 36 months: €1,743.00 rate · balance €18,343.00After 37 months: €1,791.42 rate · balance €18,391.42After 38 months: €1,839.83 rate · balance €18,439.83After 39 months: €1,888.25 rate · balance €18,488.25After 40 months: €1,936.67 rate · balance €18,536.67After 41 months: €1,985.08 rate · balance €18,585.08After 42 months: €2,033.50 rate · balance €18,633.50After 43 months: €2,081.92 rate · balance €18,681.92After 44 months: €2,130.33 rate · balance €18,730.33After 45 months: €2,178.75 rate · balance €18,778.75After 46 months: €2,227.17 rate · balance €18,827.17After 47 months: €2,275.58 rate · balance €18,875.58After 48 months: €2,324.00 rate · balance €18,924.00After 49 months: €2,372.42 rate · balance €18,972.42After 50 months: €2,420.84 rate · balance €19,020.84After 51 months: €2,469.25 rate · balance €19,069.25After 52 months: €2,517.67 rate · balance €19,117.67After 53 months: €2,566.09 rate · balance €19,166.09After 54 months: €2,614.50 rate · balance €19,214.50After 55 months: €2,662.92 rate · balance €19,262.92After 56 months: €2,711.34 rate · balance €19,311.34After 57 months: €2,759.75 rate · balance €19,359.75After 58 months: €2,808.17 rate · balance €19,408.17After 59 months: €2,856.59 rate · balance €19,456.59After 60 months: €2,905.00 rate · balance €19,505.00After 61 months: €2,953.42 rate · balance €19,553.42After 62 months: €3,001.84 rate · balance €19,601.84After 63 months: €3,050.25 rate · balance €19,650.25After 64 months: €3,098.67 rate · balance €19,698.67After 65 months: €3,147.09 rate · balance €19,747.09After 66 months: €3,195.50 rate · balance €19,795.50After 67 months: €3,243.92 rate · balance €19,843.92After 68 months: €3,292.34 rate · balance €19,892.34After 69 months: €3,340.75 rate · balance €19,940.75After 70 months: €3,389.17 rate · balance €19,989.17After 71 months: €3,437.59 rate · balance €20,037.59After 72 months: €3,486.00 rate · balance €20,086.00After 73 months: €3,534.42 rate · balance €20,134.42After 74 months: €3,582.84 rate · balance €20,182.84After 75 months: €3,631.25 rate · balance €20,231.25After 76 months: €3,679.67 rate · balance €20,279.67After 77 months: €3,728.09 rate · balance €20,328.09After 78 months: €3,776.50 rate · balance €20,376.50After 79 months: €3,824.92 rate · balance €20,424.92After 80 months: €3,873.34 rate · balance €20,473.34After 81 months: €3,921.75 rate · balance €20,521.75After 82 months: €3,970.17 rate · balance €20,570.17After 83 months: €4,018.59 rate · balance €20,618.59After 84 months: €4,067.00 rate · balance €20,667.00After 85 months: €4,115.42 rate · balance €20,715.42After 86 months: €4,163.84 rate · balance €20,763.84After 87 months: €4,212.25 rate · balance €20,812.25After 88 months: €4,260.67 rate · balance €20,860.67After 89 months: €4,309.09 rate · balance €20,909.09After 90 months: €4,357.50 rate · balance €20,957.50After 91 months: €4,405.92 rate · balance €21,005.92After 92 months: €4,454.34 rate · balance €21,054.34After 93 months: €4,502.75 rate · balance €21,102.75After 94 months: €4,551.17 rate · balance €21,151.17After 95 months: €4,599.59 rate · balance €21,199.59After 96 months: €4,648.00 rate · balance €21,248.00After 97 months: €4,696.42 rate · balance €21,296.42After 98 months: €4,744.84 rate · balance €21,344.84After 99 months: €4,793.25 rate · balance €21,393.25After 100 months: €4,841.67 rate · balance €21,441.67After 101 months: €4,890.09 rate · balance €21,490.09After 102 months: €4,938.50 rate · balance €21,538.50After 103 months: €4,986.92 rate · balance €21,586.92After 104 months: €5,035.34 rate · balance €21,635.34After 105 months: €5,083.75 rate · balance €21,683.75After 106 months: €5,132.17 rate · balance €21,732.17After 107 months: €5,180.59 rate · balance €21,780.59After 108 months: €5,229.00 rate · balance €21,829.00
€ 0€ 2k€ 4kstart1 yr2 yrs3 yrs4 yrs5 yrs6 yrs7 yrs8 yrs9 yrs€5,229After 1 month: €48.42 rate · balance €16,648.42After 2 months: €96.83 rate · balance €16,696.83After 3 months: €145.25 rate · balance €16,745.25After 4 months: €193.67 rate · balance €16,793.67After 5 months: €242.08 rate · balance €16,842.08After 6 months: €290.50 rate · balance €16,890.50After 7 months: €338.92 rate · balance €16,938.92After 8 months: €387.33 rate · balance €16,987.33After 9 months: €435.75 rate · balance €17,035.75After 10 months: €484.17 rate · balance €17,084.17After 11 months: €532.58 rate · balance €17,132.58After 12 months: €581.00 rate · balance €17,181.00After 13 months: €629.42 rate · balance €17,229.42After 14 months: €677.83 rate · balance €17,277.83After 15 months: €726.25 rate · balance €17,326.25After 16 months: €774.67 rate · balance €17,374.67After 17 months: €823.08 rate · balance €17,423.08After 18 months: €871.50 rate · balance €17,471.50After 19 months: €919.92 rate · balance €17,519.92After 20 months: €968.33 rate · balance €17,568.33After 21 months: €1,016.75 rate · balance €17,616.75After 22 months: €1,065.17 rate · balance €17,665.17After 23 months: €1,113.58 rate · balance €17,713.58After 24 months: €1,162.00 rate · balance €17,762.00After 25 months: €1,210.42 rate · balance €17,810.42After 26 months: €1,258.83 rate · balance €17,858.83After 27 months: €1,307.25 rate · balance €17,907.25After 28 months: €1,355.67 rate · balance €17,955.67After 29 months: €1,404.08 rate · balance €18,004.08After 30 months: €1,452.50 rate · balance €18,052.50After 31 months: €1,500.92 rate · balance €18,100.92After 32 months: €1,549.33 rate · balance €18,149.33After 33 months: €1,597.75 rate · balance €18,197.75After 34 months: €1,646.17 rate · balance €18,246.17After 35 months: €1,694.58 rate · balance €18,294.58After 36 months: €1,743.00 rate · balance €18,343.00After 37 months: €1,791.42 rate · balance €18,391.42After 38 months: €1,839.83 rate · balance €18,439.83After 39 months: €1,888.25 rate · balance €18,488.25After 40 months: €1,936.67 rate · balance €18,536.67After 41 months: €1,985.08 rate · balance €18,585.08After 42 months: €2,033.50 rate · balance €18,633.50After 43 months: €2,081.92 rate · balance €18,681.92After 44 months: €2,130.33 rate · balance €18,730.33After 45 months: €2,178.75 rate · balance €18,778.75After 46 months: €2,227.17 rate · balance €18,827.17After 47 months: €2,275.58 rate · balance €18,875.58After 48 months: €2,324.00 rate · balance €18,924.00After 49 months: €2,372.42 rate · balance €18,972.42After 50 months: €2,420.84 rate · balance €19,020.84After 51 months: €2,469.25 rate · balance €19,069.25After 52 months: €2,517.67 rate · balance €19,117.67After 53 months: €2,566.09 rate · balance €19,166.09After 54 months: €2,614.50 rate · balance €19,214.50After 55 months: €2,662.92 rate · balance €19,262.92After 56 months: €2,711.34 rate · balance €19,311.34After 57 months: €2,759.75 rate · balance €19,359.75After 58 months: €2,808.17 rate · balance €19,408.17After 59 months: €2,856.59 rate · balance €19,456.59After 60 months: €2,905.00 rate · balance €19,505.00After 61 months: €2,953.42 rate · balance €19,553.42After 62 months: €3,001.84 rate · balance €19,601.84After 63 months: €3,050.25 rate · balance €19,650.25After 64 months: €3,098.67 rate · balance €19,698.67After 65 months: €3,147.09 rate · balance €19,747.09After 66 months: €3,195.50 rate · balance €19,795.50After 67 months: €3,243.92 rate · balance €19,843.92After 68 months: €3,292.34 rate · balance €19,892.34After 69 months: €3,340.75 rate · balance €19,940.75After 70 months: €3,389.17 rate · balance €19,989.17After 71 months: €3,437.59 rate · balance €20,037.59After 72 months: €3,486.00 rate · balance €20,086.00After 73 months: €3,534.42 rate · balance €20,134.42After 74 months: €3,582.84 rate · balance €20,182.84After 75 months: €3,631.25 rate · balance €20,231.25After 76 months: €3,679.67 rate · balance €20,279.67After 77 months: €3,728.09 rate · balance €20,328.09After 78 months: €3,776.50 rate · balance €20,376.50After 79 months: €3,824.92 rate · balance €20,424.92After 80 months: €3,873.34 rate · balance €20,473.34After 81 months: €3,921.75 rate · balance €20,521.75After 82 months: €3,970.17 rate · balance €20,570.17After 83 months: €4,018.59 rate · balance €20,618.59After 84 months: €4,067.00 rate · balance €20,667.00After 85 months: €4,115.42 rate · balance €20,715.42After 86 months: €4,163.84 rate · balance €20,763.84After 87 months: €4,212.25 rate · balance €20,812.25After 88 months: €4,260.67 rate · balance €20,860.67After 89 months: €4,309.09 rate · balance €20,909.09After 90 months: €4,357.50 rate · balance €20,957.50After 91 months: €4,405.92 rate · balance €21,005.92After 92 months: €4,454.34 rate · balance €21,054.34After 93 months: €4,502.75 rate · balance €21,102.75After 94 months: €4,551.17 rate · balance €21,151.17After 95 months: €4,599.59 rate · balance €21,199.59After 96 months: €4,648.00 rate · balance €21,248.00After 97 months: €4,696.42 rate · balance €21,296.42After 98 months: €4,744.84 rate · balance €21,344.84After 99 months: €4,793.25 rate · balance €21,393.25After 100 months: €4,841.67 rate · balance €21,441.67After 101 months: €4,890.09 rate · balance €21,490.09After 102 months: €4,938.50 rate · balance €21,538.50After 103 months: €4,986.92 rate · balance €21,586.92After 104 months: €5,035.34 rate · balance €21,635.34After 105 months: €5,083.75 rate · balance €21,683.75After 106 months: €5,132.17 rate · balance €21,732.17After 107 months: €5,180.59 rate · balance €21,780.59After 108 months: €5,229.00 rate · balance €21,829.00
Per year
AfterInterest up to thenBalance
1 year€581€17,181
2 years€1,162€17,762
3 years€1,743€18,343
4 years€2,324€18,924
5 years€2,905€19,505
6 years€3,486€20,086
7 years€4,067€20,667
8 years€4,648€21,248
9 years€5,229€21,829

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