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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 · 5 years · Hamburg Commercial Bank AG · Germany · via Raisin
Open an account at Hamburg Commercial Bank
Rate
3.10%
5 years fixed
Your return on €16,800
€521
per year, annualised · €2,604 total over 5 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 5 years: €2,604.
Interest built up over 5 years
€ 0€ 1k€ 2kstart2 yrs4 yrs€2,604

Rate and conditions

BalanceRate
€0 – and up3.10%
Interest payout
yearly, paid out
Fees
none
Rate valid since
11 Aug 2026
Access
5 years fixed · no early withdrawal
Term
5 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

3.10% 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 (60 mo) 3.10%

Rate checked on 18 Sep 2026.

Other offers from Hamburg Commercial Bank

2 years · 3.05% · Raisin3 years · 3.05% · Raisin4 years · 3.05% · Raisin
After 1 month: €43.40 rate · balance €16,843.40After 2 months: €86.80 rate · balance €16,886.80After 3 months: €130.20 rate · balance €16,930.20After 4 months: €173.60 rate · balance €16,973.60After 5 months: €217 rate · balance €17,017After 6 months: €260.40 rate · balance €17,060.40After 7 months: €303.80 rate · balance €17,103.80After 8 months: €347.20 rate · balance €17,147.20After 9 months: €390.60 rate · balance €17,190.60After 10 months: €434.00 rate · balance €17,234After 11 months: €477.40 rate · balance €17,277.40After 12 months: €520.80 rate · balance €17,320.80After 13 months: €564.20 rate · balance €17,364.20After 14 months: €607.60 rate · balance €17,407.60After 15 months: €651.00 rate · balance €17,451After 16 months: €694.40 rate · balance €17,494.40After 17 months: €737.80 rate · balance €17,537.80After 18 months: €781.20 rate · balance €17,581.20After 19 months: €824.60 rate · balance €17,624.60After 20 months: €868.00 rate · balance €17,668After 21 months: €911.40 rate · balance €17,711.40After 22 months: €954.80 rate · balance €17,754.80After 23 months: €998.20 rate · balance €17,798.20After 24 months: €1,041.60 rate · balance €17,841.60After 25 months: €1,085.00 rate · balance €17,885After 26 months: €1,128.40 rate · balance €17,928.40After 27 months: €1,171.80 rate · balance €17,971.80After 28 months: €1,215.20 rate · balance €18,015.20After 29 months: €1,258.60 rate · balance €18,058.60After 30 months: €1,302.00 rate · balance €18,102After 31 months: €1,345.40 rate · balance €18,145.40After 32 months: €1,388.80 rate · balance €18,188.80After 33 months: €1,432.20 rate · balance €18,232.20After 34 months: €1,475.60 rate · balance €18,275.60After 35 months: €1,519.00 rate · balance €18,319After 36 months: €1,562.40 rate · balance €18,362.40After 37 months: €1,605.80 rate · balance €18,405.80After 38 months: €1,649.20 rate · balance €18,449.20After 39 months: €1,692.60 rate · balance €18,492.60After 40 months: €1,736.00 rate · balance €18,536After 41 months: €1,779.40 rate · balance €18,579.40After 42 months: €1,822.80 rate · balance €18,622.80After 43 months: €1,866.20 rate · balance €18,666.20After 44 months: €1,909.60 rate · balance €18,709.60After 45 months: €1,953.00 rate · balance €18,753After 46 months: €1,996.40 rate · balance €18,796.40After 47 months: €2,039.80 rate · balance €18,839.80After 48 months: €2,083.20 rate · balance €18,883.20After 49 months: €2,126.60 rate · balance €18,926.60After 50 months: €2,170.00 rate · balance €18,970After 51 months: €2,213.40 rate · balance €19,013.40After 52 months: €2,256.80 rate · balance €19,056.80After 53 months: €2,300.20 rate · balance €19,100.20After 54 months: €2,343.60 rate · balance €19,143.60After 55 months: €2,387.00 rate · balance €19,187.00After 56 months: €2,430.40 rate · balance €19,230.40After 57 months: €2,473.80 rate · balance €19,273.80After 58 months: €2,517.20 rate · balance €19,317.20After 59 months: €2,560.60 rate · balance €19,360.60After 60 months: €2,604.00 rate · balance €19,404.00
€ 0€ 1k€ 2kstart1 yr2 yrs3 yrs4 yrs5 yrs€2,604After 1 month: €43.40 rate · balance €16,843.40After 2 months: €86.80 rate · balance €16,886.80After 3 months: €130.20 rate · balance €16,930.20After 4 months: €173.60 rate · balance €16,973.60After 5 months: €217 rate · balance €17,017After 6 months: €260.40 rate · balance €17,060.40After 7 months: €303.80 rate · balance €17,103.80After 8 months: €347.20 rate · balance €17,147.20After 9 months: €390.60 rate · balance €17,190.60After 10 months: €434.00 rate · balance €17,234After 11 months: €477.40 rate · balance €17,277.40After 12 months: €520.80 rate · balance €17,320.80After 13 months: €564.20 rate · balance €17,364.20After 14 months: €607.60 rate · balance €17,407.60After 15 months: €651.00 rate · balance €17,451After 16 months: €694.40 rate · balance €17,494.40After 17 months: €737.80 rate · balance €17,537.80After 18 months: €781.20 rate · balance €17,581.20After 19 months: €824.60 rate · balance €17,624.60After 20 months: €868.00 rate · balance €17,668After 21 months: €911.40 rate · balance €17,711.40After 22 months: €954.80 rate · balance €17,754.80After 23 months: €998.20 rate · balance €17,798.20After 24 months: €1,041.60 rate · balance €17,841.60After 25 months: €1,085.00 rate · balance €17,885After 26 months: €1,128.40 rate · balance €17,928.40After 27 months: €1,171.80 rate · balance €17,971.80After 28 months: €1,215.20 rate · balance €18,015.20After 29 months: €1,258.60 rate · balance €18,058.60After 30 months: €1,302.00 rate · balance €18,102After 31 months: €1,345.40 rate · balance €18,145.40After 32 months: €1,388.80 rate · balance €18,188.80After 33 months: €1,432.20 rate · balance €18,232.20After 34 months: €1,475.60 rate · balance €18,275.60After 35 months: €1,519.00 rate · balance €18,319After 36 months: €1,562.40 rate · balance €18,362.40After 37 months: €1,605.80 rate · balance €18,405.80After 38 months: €1,649.20 rate · balance €18,449.20After 39 months: €1,692.60 rate · balance €18,492.60After 40 months: €1,736.00 rate · balance €18,536After 41 months: €1,779.40 rate · balance €18,579.40After 42 months: €1,822.80 rate · balance €18,622.80After 43 months: €1,866.20 rate · balance €18,666.20After 44 months: €1,909.60 rate · balance €18,709.60After 45 months: €1,953.00 rate · balance €18,753After 46 months: €1,996.40 rate · balance €18,796.40After 47 months: €2,039.80 rate · balance €18,839.80After 48 months: €2,083.20 rate · balance €18,883.20After 49 months: €2,126.60 rate · balance €18,926.60After 50 months: €2,170.00 rate · balance €18,970After 51 months: €2,213.40 rate · balance €19,013.40After 52 months: €2,256.80 rate · balance €19,056.80After 53 months: €2,300.20 rate · balance €19,100.20After 54 months: €2,343.60 rate · balance €19,143.60After 55 months: €2,387.00 rate · balance €19,187.00After 56 months: €2,430.40 rate · balance €19,230.40After 57 months: €2,473.80 rate · balance €19,273.80After 58 months: €2,517.20 rate · balance €19,317.20After 59 months: €2,560.60 rate · balance €19,360.60After 60 months: €2,604.00 rate · balance €19,404.00
Per year
AfterInterest up to thenBalance
1 year€521€17,321
2 years€1,042€17,842
3 years€1,562€18,362
4 years€2,083€18,883
5 years€2,604€19,404

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