No longer offered. We last saw this product on 11 Oct 2026; below is the last known rate and the history. See the current offers
What pays the most now
OLBTermijndeposito
- Rate
- 2.15%
- 4 years fixed
- 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. Interest is only paid at maturity and earns no interest on interest in between, which makes the comparable annual rate slightly lower.
- 2.08%
- for €50,000
- Your return on €50,000
- €1,042
- per year, annualised · €4,300 total over 4 years
- Deposit guarantee
- €50,000 fully protectedGerman scheme
Oldenburgische Landesbank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Your calculation for €50,000
Per year
| After | Interest up to then | Balance |
|---|---|---|
| 1 year | €1,075 | €51,075 |
| 2 years | €2,150 | €52,150 |
| 3 years | €3,225 | €53,225 |
| 4 years | €4,300 | €54,300 |
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.15% |
- Interest payout
- end of term, paid out
- Fees
- none
- Rate valid since
- 24 Jul 2025
- Access
- 4 years fixed · no early withdrawal
- Term
- 4 years
- Minimum deposit
- €5,000
- Maximum deposit
- €1,000,000
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Raisin (Raisin) · for residents of the Netherlands via Raisin
- Einde looptijd
Deposit guarantee
Oldenburgische Landesbank AG · Entschädigungseinrichtung deutscher Banken GmbH (EdB) · €100,000 per person per bank
Licence and verification
- Institution
- Oldenburgische Landesbank 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
2.15% since 2 Sep 2026. We have not seen a change since; once the rate changes, the chart appears here.
All historic rates of OLB →All savings products of OLB →
- 12 Oct 2026OLB – Termijndeposito 48m not found in 12 consecutive runs; deactivated
- 12 Oct 2026OLB – Termijndeposito 48m missing from the source (3 runs)
- 2 Sep 2026New: OLB – Termijndeposito (48 mo) 2.15%
Rate checked on 11 Oct 2026.