Morgan StanleyTermijndeposito
Deposit · 6 months · Morgan Stanley Bank AG · Germany · via Raisin
- Rate
- 2.90%
- 6 months fixed
- since 27 Oct 2026
- EffectiveThe effective annual rate for €50,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable.
- 2.92%
- for €50,000
- Your return on €50,000
- €1,461
- per year, annualised · €725 total over 6 months
- Deposit guarantee
- €50,000 fully protectedGerman scheme
Morgan Stanley Bank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Your calculation for €50,000
Gross interest over 6 months: €725.
Interest built up over 6 months
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.90% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 27 Oct 2026
- Access
- 6 months fixed · no early withdrawal
- Term
- 6 months
- 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
€50,000 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 |
|---|---|---|
| 27 Oct 2026 | 2.90% | current |
| 13 Oct 2026 | 2.80% | 27 Oct 2026 |
| 6 Oct 2026 | 2.75% | 13 Oct 2026 |
| 2 Sep 2026 | 2.68% | 6 Oct 2026 |
All historic rates of Morgan Stanley →All savings products of Morgan Stanley →
- 27 Oct 2026Morgan Stanley – Termijndeposito (6 mo): 2.80% → 2.90%
- 13 Oct 2026Morgan Stanley – Termijndeposito (6 mo): 2.75% → 2.80%
- 6 Oct 2026Morgan Stanley – Termijndeposito (6 mo): 2.68% → 2.75%
- 2 Sep 2026New: Morgan Stanley – Termijndeposito (6 mo) 2.68%
Rate checked on 2 Nov 2026.