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GEFA Bank Fixed-Term Deposit: GEFA ZinsWachstum 3 Jahre Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits GEFA Bank GEFA ZinsWachstum 3 Jahre

Christian

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In a nutshell:

  • The “GEFA ZinsWachstum 3 Jahre” is a fixed-term deposit offered by GEFA Bank.
  • The return on the GEFA Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.5627% annually for a duration of 36 months.
  • Savings are protected under the national deposit insurance scheme of Germany.

Find all the details and rates below in our frequently asked questions on the fixed-term deposit by GEFA Bank.

How much interest does the GEFA Bank GEFA ZinsWachstum 3 Jahre pay?

GEFA Bank offers the fixed-term deposit “GEFA ZinsWachstum 3 Jahre” in 3 different terms, with annual percentage yields ranging from 2.20% to 2.56%. The highest interest is paid for the 36-month fixed-term deposit.

You can find an overview of all conditions for the GEFA Bank fixed-term deposits below:

Term

Interest rate

Deposit amount

24 months

2.3775% (paid Annually)

Min. €10,000
Max. €500,000
Check details

36 months

2.5627% (paid Annually)

Min. €10,000
Max. €500,000
Check details

Who is behind GEFA Bank?

GEFA Bank is a German specialist bank focused on equipment and vehicle financing for businesses and corporate customers. Part of the Crédit Agricole group - France’s second-largest financial provider - GEFA offers leasing, installment loans, and financing solutions rather than broad retail deposit products. However, they also offer savings accounts to private consumers.

How safe is my money with GEFA Bank?

As a German credit institution, GEFA Bank’s eligible deposits are protected via Germany’s statutory deposit guarantee (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros. Germany’s credit rating is AAA, the highest possible. Moreover, clients enjoy the reputation and backing of the internationally known Crédit Agricole group.

How can I manage the GEFA ZinsWachstum 3 Jahre account?

GEFA Bank’s services are only available in German. The GEFA ZinsWachstum 3 Jahre can be managed via the web interface. There is no dedicated mobile app, except for TAN generation, which ensures secure money transfers. For any questions regarding GEFA’s fixed-term deposit, there is a hotline, contact e-mail, and online banking contact form.

How can I open the GEFA Bank “GEFA ZinsWachstum 3 Jahre“?

To open a GEFA Bank fixed-term deposit, you require a German residency, German tax number (ID), and must be at least 18 years old. The identification process can exclusively be done online via webcam. For this, you require a valid ID or passport from Germany, Belgium, Denmark, France, Finland, Greece, Great Britain, Italy, Canada, Kosovo, Croatia, Lithuania, Netherlands, Norway, Austria, Portugal, Poland, Romania, Sweden, Switzerland, Serbia, Spain, Czechia, Turkey, or the USA. For payouts from your GEFA ZinsWachstum 3 Jahre, you require a current account with a German IBAN (bank account number starting with DE).

Click here to get your GEFA Bank flexible savings account!

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.

Disclaimer: This blog and providing support are my passion and hobby. However, I do not intend to provide financial advice. All investments involve risks of loss. This post is non-binding, for informational purposes only, and does not represent a complete market overview. I do not take responsibility for the accuracy and up-to-dateness of the data (§18 ZKG).

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