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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 Morgan Stanley
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Morgan StanleyTermijndeposito

Deposit · 1 year · Morgan Stanley Bank AG · Germany · via Raisin
Open an account at Morgan Stanley
Rate
2.90%
1 year fixed
since 17 Sep 2026
Your return on €16,600
€481
interest per year
Deposit guarantee
€16,600 fully protected
German scheme

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

Your calculation for €16,600

Gross interest over 1 year: €481.
Interest built up over 1 year
€ 0€ 200€ 400start6 mo1 yr€481After 1 month: €40.12 rate · balance €16,640.12After 2 months: €80.23 rate · balance €16,680.23After 3 months: €120.35 rate · balance €16,720.35After 4 months: €160.47 rate · balance €16,760.47After 5 months: €200.58 rate · balance €16,800.58After 6 months: €240.70 rate · balance €16,840.70After 7 months: €280.82 rate · balance €16,880.82After 8 months: €320.93 rate · balance €16,920.93After 9 months: €361.05 rate · balance €16,961.05After 10 months: €401.17 rate · balance €17,001.17

Rate and conditions

BalanceRate
€0 – and up2.90%
Interest payout
end of term, paid out
Fees
none
Rate valid since
17 Sep 2026
Access
1 year fixed · no early withdrawal
Term
1 year
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
  • Einde looptijd
  • Raisin Bank houdt het deposito in trust aan bij de bank

Deposit guarantee

€16,600 fully protected
German scheme

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

Licence and verification
Institution
Morgan Stanley 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

2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now2.90%2.95% from 2 Sep 2026 until 14 Sep 20263.05% from 14 Sep 2026 until 17 Sep 20262.90% from 17 Sep 2026 until now
2.50%2.75%3.00%3.25%3.50%2 Sep 202610 Sep 2026now

Other offers from Morgan Stanley

3 months · 2.45% · Raisin6 months · 2.68% · Raisin9 months · 2.68% · Raisin2 years · 3.05% · Raisin
After 11 months: €441.28 rate · balance €17,041.28After 12 months: €481.40 rate · balance €17,081.40
€ 0€ 200€ 400start3 mo6 mo9 mo1 yr€481After 1 month: €40.12 rate · balance €16,640.12After 2 months: €80.23 rate · balance €16,680.23After 3 months: €120.35 rate · balance €16,720.35After 4 months: €160.47 rate · balance €16,760.47After 5 months: €200.58 rate · balance €16,800.58After 6 months: €240.70 rate · balance €16,840.70After 7 months: €280.82 rate · balance €16,880.82After 8 months: €320.93 rate · balance €16,920.93After 9 months: €361.05 rate · balance €16,961.05After 10 months: €401.17 rate · balance €17,001.17After 11 months: €441.28 rate · balance €17,041.28After 12 months: €481.40 rate · balance €17,081.40

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

2.90%2.95% from 2 Sep 2026 until 14 Sep 20263.05% from 14 Sep 2026 until 17 Sep 20262.90% from 17 Sep 2026 until now
FromRateUntil
17 Sep 20262.90%current
14 Sep 20263.05%17 Sep 2026
2 Sep 20262.95%14 Sep 2026

All historic rates of Morgan Stanley →All savings products of Morgan Stanley →

  • 17 Sep 2026Morgan Stanley – Termijndeposito (12 mo): 3.05% → 2.90%
  • 14 Sep 2026Morgan Stanley – Termijndeposito (12 mo): 2.95% → 3.05%
  • 2 Sep 2026New: Morgan Stanley – Termijndeposito (12 mo) 2.95%

Rate checked on 18 Sep 2026.