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Settle in Germany Banking Savings Fixed-Term Deposits Santander Festgeld

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Santander for Expats in Germany

The fixed deposit by Santander is available with various maturities and offers a maximum interest rate of 2.5% for the 48-month term to eligible residents in Germany.

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Last update: August 25, 2026Last data check: September 19, 2026

Santander 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

How Can I Manage the Santander Festgeld?

Santander customers use online banking and mobile apps (iOS/Android) to manage the fixed-term deposit, with telephone support, secure messaging, and local branch networks available for additional services. The web interface and customer service are only available in German. The smartphone application can be used in German and English to manage the Festgeld. When visiting a branch, the availability of foreign-language skills may depend on the individual clerk.

How Can I Open the Santander Festgeld?

Account opening for Santander’s fixed-term deposit and German retail products can be performed online or in a branch. The process includes identity verification via VideoIdent online or personal identification at a Santander branch or in a post office via PostIdent. Applicants of the German Festgeld must meet the age requirements of 18+ years and have their residency in Germany.

Good to Know

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

 

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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.