1 months
0.5% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
IKB Deutsche Industriebank Fixed-Term Deposit: IKB Festgeld Review 2026
In a nutshell:
- The “IKB Festgeld” is a fixed-term deposit offered by IKB Deutsche Industriebank.
- The return on the IKB Deutsche Industriebank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.75% annually for a duration of 60 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 IKB Deutsche Industriebank.
How much interest does the IKB Deutsche Industriebank IKB Festgeld pay?
IKB Deutsche Industriebank offers the fixed-term deposit “IKB Festgeld” in 10 different terms, with annual percentage yields ranging from 0.50% to 2.75%. The highest interest is paid for the 120-month fixed-term deposit.
You can find an overview of all conditions for the IKB Deutsche Industriebank fixed-term deposits below:
Term
Interest rate
Deposit amount
3 months
1.25% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
6 months
1.25% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
9 months
1.5% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
12 months
2.3% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
24 months
2.45% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
36 months
2.6% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
48 months
2.7% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
60 months
2.75% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
120 months
2.75% (paid At maturity)
Min. €5,000
Max. €250,000
Max. €250,000
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 Festgeld account?
The 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 Festgeld“?
The 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 fixed-term deposit, customers must complete identity verification via online video chat (VideoIdent) or in person at a post office (PostIdent).
About the Author
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).
Some of the links are promotional links. You help to keep this site running, as I gain a small commission for each purchase. It does not come at any cost to you.
