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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 Hamburg Commercial Bank
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Hamburg Commercial BankTermijndeposito

Deposit · 3 years · Hamburg Commercial Bank AG · Germany · via Raisin
Open an account at Hamburg Commercial Bank
Rate
3.05%
3 years fixed
Your return on €16,800
€512
per year, annualised · €1,537 total over 3 years
Deposit guarantee
€16,800 fully protected
German scheme

Hamburg Commercial Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Your calculation for €16,800

Gross interest over 3 years: €1,537.
Interest built up over 3 years
€ 0€ 1kstart1 yr2 yrs3 yrs€1,537After 1 month: €42.70 rate · balance €16,842.70After 2 months: €85.40 rate · balance €16,885.40After 3 months: €128.10 rate · balance €16,928.10After 4 months: €170.80 rate · balance €16,970.80After 5 months: €213.50 rate · balance €17,013.50After 6 months: €256.20 rate · balance €17,056.20

Rate and conditions

BalanceRate
€0 – and up3.05%
Interest payout
yearly, paid out
Fees
none
Rate valid since
11 Aug 2026
Access
3 years fixed · no early withdrawal
Term
3 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

€16,800 fully protected
German scheme

Hamburg Commercial Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank

Licence and verification
Institution
Hamburg Commercial 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.

Rate history

3.05% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.

All historic rates of Hamburg Commercial Bank →All savings products of Hamburg Commercial Bank →

  • 2 Sep 2026New: Hamburg Commercial Bank – Termijndeposito (36 mo) 3.05%

Rate checked on 18 Sep 2026.

Other offers from Hamburg Commercial Bank

2 years · 3.05% · Raisin4 years · 3.05% · Raisin5 years · 3.10% · Raisin
After 7 months: €298.90 rate · balance €17,098.90After 8 months: €341.60 rate · balance €17,141.60After 9 months: €384.30 rate · balance €17,184.30After 10 months: €427.00 rate · balance €17,227After 11 months: €469.70 rate · balance €17,269.70After 12 months: €512.40 rate · balance €17,312.40After 13 months: €555.10 rate · balance €17,355.10After 14 months: €597.80 rate · balance €17,397.80After 15 months: €640.50 rate · balance €17,440.50After 16 months: €683.20 rate · balance €17,483.20After 17 months: €725.90 rate · balance €17,525.90After 18 months: €768.60 rate · balance €17,568.60After 19 months: €811.30 rate · balance €17,611.30After 20 months: €854.00 rate · balance €17,654After 21 months: €896.70 rate · balance €17,696.70After 22 months: €939.40 rate · balance €17,739.40After 23 months: €982.10 rate · balance €17,782.10After 24 months: €1,024.80 rate · balance €17,824.80After 25 months: €1,067.50 rate · balance €17,867.50After 26 months: €1,110.20 rate · balance €17,910.20After 27 months: €1,152.90 rate · balance €17,952.90After 28 months: €1,195.60 rate · balance €17,995.60After 29 months: €1,238.30 rate · balance €18,038.30After 30 months: €1,281.00 rate · balance €18,081After 31 months: €1,323.70 rate · balance €18,123.70After 32 months: €1,366.40 rate · balance €18,166.40After 33 months: €1,409.10 rate · balance €18,209.10After 34 months: €1,451.80 rate · balance €18,251.80After 35 months: €1,494.50 rate · balance €18,294.50After 36 months: €1,537.20 rate · balance €18,337.20
€ 0€ 1kstart1 yr2 yrs3 yrs€1,537After 1 month: €42.70 rate · balance €16,842.70After 2 months: €85.40 rate · balance €16,885.40After 3 months: €128.10 rate · balance €16,928.10After 4 months: €170.80 rate · balance €16,970.80After 5 months: €213.50 rate · balance €17,013.50After 6 months: €256.20 rate · balance €17,056.20After 7 months: €298.90 rate · balance €17,098.90After 8 months: €341.60 rate · balance €17,141.60After 9 months: €384.30 rate · balance €17,184.30After 10 months: €427.00 rate · balance €17,227After 11 months: €469.70 rate · balance €17,269.70After 12 months: €512.40 rate · balance €17,312.40After 13 months: €555.10 rate · balance €17,355.10After 14 months: €597.80 rate · balance €17,397.80After 15 months: €640.50 rate · balance €17,440.50After 16 months: €683.20 rate · balance €17,483.20After 17 months: €725.90 rate · balance €17,525.90After 18 months: €768.60 rate · balance €17,568.60After 19 months: €811.30 rate · balance €17,611.30After 20 months: €854.00 rate · balance €17,654After 21 months: €896.70 rate · balance €17,696.70After 22 months: €939.40 rate · balance €17,739.40After 23 months: €982.10 rate · balance €17,782.10After 24 months: €1,024.80 rate · balance €17,824.80After 25 months: €1,067.50 rate · balance €17,867.50After 26 months: €1,110.20 rate · balance €17,910.20After 27 months: €1,152.90 rate · balance €17,952.90After 28 months: €1,195.60 rate · balance €17,995.60After 29 months: €1,238.30 rate · balance €18,038.30After 30 months: €1,281.00 rate · balance €18,081After 31 months: €1,323.70 rate · balance €18,123.70After 32 months: €1,366.40 rate · balance €18,166.40After 33 months: €1,409.10 rate · balance €18,209.10After 34 months: €1,451.80 rate · balance €18,251.80After 35 months: €1,494.50 rate · balance €18,294.50After 36 months: €1,537.20 rate · balance €18,337.20
Per year
AfterInterest up to thenBalance
1 year€512€17,312
2 years€1,025€17,825
3 years€1,537€18,337

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