IKB Deutsche Industriebank Flexible Savings Account: IKB Tagesgeld Review 2026
In a nutshell:
- The “IKB Tagesgeld” is a flexible savings account offered by IKB Deutsche Industriebank.
- It pays a top interest rate of 2% annually.
- Savings are protected under the national deposit insurance scheme of Germany.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by IKB Deutsche Industriebank.
IKB Deutsche Industriebank
IKB Tagesgeld
2.00%
annual percentage yield
How much interest does the IKB Deutsche Industriebank IKB Tagesgeld pay?
IKB Deutsche Industriebank offers the flexible savings account "IKB Tagesgeld" with quarterly interest payouts. The promotional interest rate of 2% is valid for 3 months. This interest is applicable for account balances of at most 100,000 euros. The regular interest rate is 1.5%. You must maintain a balance of at most 100,000 euros.
Who is behind IKB Deutsche Industriebank?
IKB Deutsche Industriebank AG is a German bank with a long-standing focus on corporate and project financing, particularly for medium-sized enterprises. Founded in 1924, IKB is one of Germany’s established specialist banks and combines traditional banking expertise with selected retail savings products.
Alongside its core corporate banking activities, IKB offers deposit products such as Tagesgeld and fixed-term deposits to private customers, primarily via digital channels. The bank emphasises stability, professional risk management, and transparent conditions.
How safe is my money with IKB Deutsche Industriebank?
Deposits held with IKB are protected under Germany's statutory deposit guarantee scheme, the "Entschädigungseinrichtung deutscher Banken", up to 100,000 euros per depositor and bank in accordance with EU law. Germany's sovereign credit rating is very strong (AAA with major rating agencies), supporting confidence in the national banking and deposit protection framework.
In addition, IKB Deutsche Industriebank AG is a member of the Deposit Protection Fund of the Association of German Banks (ESF), thus providing protection beyond the statutory minimum.
How can I manage the IKB Tagesgeld account?
The IKB Tagesgeld with IKB is managed through the bank's online banking service, which allows customers to, amongst others, view balances, open accounts, transfer funds, and manage settings. Customer service is available via telephone, secure message in the online banking, and email. Support and interfaces are provided in German.
How can I open the IKB Deutsche Industriebank IKB Tagesgeld?
The IKB Tagesgeld can be opened via a digital application process on the bank's website. First, open a clearing account called "IKB Cashkonto," which gives you access to all savings options at IKB.
Applicants must typically be at least 18 years old, but they can also open a "junior account" with the support of a parent or guardian. You require a residence in Germany and a current account with a valid IBAN to perform withdrawals. As part of the onboarding process for the IKB flexible savings account, customers must complete identity verification via online video chat (VideoIdent) or in person at a post office (PostIdent).
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