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DKB for Expats in Germany

The fixed deposit by DKB is available with various maturities and offers a maximum interest rate of 2.7% for the 120-month term to eligible residents in Germany.

Written by Christian - German Expat Banking & Connectivity Expert
Last update: August 25, 2026Last data check: September 19, 2026

DKB Festgeld at a Glance

Account type: Festgeld / fixed deposit
Deposit insurance: Germany (up to €100,000 per customer)
Available maturities: See table below

Term

Interest rate

Deposit amount

Term / interest rate / deposit amount

3 months

1.3% (paid Annually)

Min. €2,500
Max. €500,000

Open Fixed Deposit

6 months

1.8% (paid Annually)

Min. €2,500
Max. €500,000

Open Fixed Deposit

12 months

2.1% (paid Quarterly)

Min. €2,500
Max. €500,000

Open Fixed Deposit

24 months

2.2% (paid Quarterly)

Min. €2,500
Max. €500,000

Open Fixed Deposit

36 months

2.3% (paid Quarterly)

Min. €2,500
Max. €500,000

Open Fixed Deposit

48 months

2.4% (paid Quarterly)

Min. €2,500
Max. €500,000

Open Fixed Deposit

60 months

2.5% (paid Quarterly)

Min. €2,500
Max. €500,000

Open Fixed Deposit

120 months

2.7% (paid Quarterly)

Min. €2,500
Max. €500,000

Open Fixed Deposit

How Can I Manage the DKB Festgeld?

The Festgeld at DKB is managed through the bank’s online banking portal and mobile app (available for iOS and Android), where you can view balances, transfer funds between accounts, manage account security, and more. All interfaces are exclusively available in German. Customer support for the DKB fixed-term deposit is accessible via an AI chat agent, phone, and contact form.

How Can I Open the DKB Festgeld?

To open the Festgeld with DKB, you can apply directly online via the DKB website. Having a DKB current account (Girokonto) is a prerequisite for using any of their other financial products. Applicants must generally be at least 18 years old, but there are special options for minors available (u18). If you are a non-resident of Germany, you can also open a current account using a foreign address. Citizens of other countries require an official address in Germany, Austria, or Switzerland. For people with German nationality, accounts can be opened in any country of residence (except sanctioned countries such as Iran or North Korea). People with other nationalities can open an account only in an official residence in Germany, Austria, or Switzerland. The application requires personal information and identity verification, which is completed online via VideoIdent or in person at a post office branch (PostIdent).

Good to Know

Not sure if this account is right for you? Compare current Festgeld rates and estimated returns across available accounts in Germany.

Compare Fixed Deposits in Germany

About DKB
DKB (Deutsche Kreditbank AG) is probably the most established online bank in Germany, with its headquarters in Berlin and a founding date of 1990. It is backed by the State Bank of Bavaria (BayernLB) and is known for offering one of the most popular German current accounts. Moreover, DKB provides a comprehensive range of retail banking and investment products, including savings and deposit accounts, credit and lending solutions, and securities services. It serves both private and business customers across Germany.
DKB Deposit Protection
Deposits with DKB are protected under Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to the statutory limit of 100,000 euros per depositor and institution under EU law. Germany’s sovereign credit rating remains at the top (AAA across major agencies), supporting confidence in the country’s financial system and regulatory environment. In addition to this mandatory protection, DKB participates in the voluntary deposit protection fund of the Association of German Banks (Bankenverband), which extends coverage well above the statutory minimum.

Open DKB Festgeld

About the Author

Christian is a founding member of and writer at Settle in Germany. He strives to empower expats - whether fleeing war or seeking their next career step - to make their own smart and confident decisions.His guides deliver reliable and objective information about banking and connectivity in Germany. Christian brings in his profound financial and business knowledge from his studies in International Management and a successful long-year track record within international corporations. Having grown up here and lived in six countries across three continents, Christian knows the ins and outs of German particularities and understands what it means to adjust to a new environment. He is deeply immersed in Berlin's expat community, working as a personal coach to support internationals shaping a new life in Germany.

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This content is for general information only and does not constitute personalized financial advice or a recommendation to use any particular product or provider. Product features, rates, fees, eligibility requirements, and terms can change. Please conduct your own research and seek independent professional advice where appropriate. Always verify the current terms with the provider before purchasing a service or opening an account.