Morgan StanleyTermijndeposito
Deposit · 2 years · Morgan Stanley Bank AG · Germany · via Raisin
- Rate
- 3.35%
- 2 years fixed
- since 21 Oct 2026
- Your return on €25,000
- €838
- per year, annualised · €1,675 total over 2 years
- Deposit guarantee
- €25,000 fully protectedGerman scheme
Morgan Stanley Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Your calculation for €25,000
Gross interest over 2 years: €1,675.
Interest built up over 2 years
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €838 | €25,838 |
| 2 years | €1,675 | €26,675 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 3.35% |
- Interest payout
- yearly, paid out
- Fees
- none
- Rate valid since
- 21 Oct 2026
- Access
- 2 years fixed · no early withdrawal
- Term
- 2 years
- 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
- Rente wordt jaarlijks uitgekeerd op de Raisin-rekening
- Raisin Bank houdt het deposito in trust aan bij de bank
Deposit guarantee
€25,000 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-disclosuresource ↗ · 2 Nov 2026
details
Entschädigungseinrichtung deutscher Banken GmbH (EdB)
Taxes
- Country
- Germany
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Germany withholds no tax on savings interest of non-residents: you receive the full interest.
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 · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 21 Oct 2026 | 3.35% | current |
| 13 Oct 2026 | 3.25% | 21 Oct 2026 |
| 6 Oct 2026 | 3.20% | 13 Oct 2026 |
| 29 Sep 2026 | 3.10% | 6 Oct 2026 |
| 14 Sep 2026 | 3.05% | 29 Sep 2026 |
| 2 Sep 2026 | 2.95% | 14 Sep 2026 |
All historic rates of Morgan Stanley →All savings products of Morgan Stanley →
- 21 Oct 2026Morgan Stanley – Termijndeposito (24 mo): 3.25% → 3.35%
- 13 Oct 2026Morgan Stanley – Termijndeposito (24 mo): 3.20% → 3.25%
- 6 Oct 2026Morgan Stanley – Termijndeposito (24 mo): 3.10% → 3.20%
- 29 Sep 2026Morgan Stanley – Termijndeposito (24 mo): 3.05% → 3.10%
- 14 Sep 2026Morgan Stanley – Termijndeposito (24 mo): 2.95% → 3.05%
- 2 Sep 2026New: Morgan Stanley – Termijndeposito (24 mo) 2.95%
Rate checked on 2 Nov 2026.