12 months
2.33% (paid Annually)
Min. €2,500
Max. €500,000
Max. €500,000
Hanseatic Bank Fixed-Term Deposit: SparBrief Review 2026
In a nutshell:
- The “SparBrief” is a fixed-term deposit offered by Hanseatic Bank.
- The return on the Hanseatic Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.66% annually for a duration of 48 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 Hanseatic Bank.
How much interest does the Hanseatic Bank SparBrief pay?
Hanseatic Bank offers the fixed-term deposit “SparBrief” in 6 different terms, with annual percentage yields ranging from 2.00% to 2.66%. The highest interest is paid for the 48-month fixed-term deposit.
You can find an overview of all conditions for the Hanseatic Bank fixed-term deposits below:
Term
Interest rate
Deposit amount
24 months
2.44% (paid Annually)
Min. €2,500
Max. €500,000
Max. €500,000
36 months
2.55% (paid Annually)
Min. €2,500
Max. €500,000
Max. €500,000
48 months
2.66% (paid Annually)
Min. €2,500
Max. €500,000
Max. €500,000
60 months
2% (paid Annually)
Min. €2,500
Max. €500,000
Max. €500,000
72 months
2% (paid Annually)
Min. €2,500
Max. €500,000
Max. €500,000
Who is behind Hanseatic Bank?
Hanseatic Bank is a privately owned German bank headquartered in Hamburg. Founded in 1969, it initially focused on financing retail purchases for customers of Otto Group – a leading German retail company. Over time, it expanded its portfolio to include savings solutions, consumer credit, insurance products, and credit cards.
Since 2005, the majority stake in Hanseatic Bank belongs to Société Générale, one of France’s top banks. Today, Hanseatic Bank is best known for its digital and easily accessible financial solutions.
How safe is my money with Hanseatic Bank?
Hanseatic Bank participates in Germany’s statutory deposit guarantee (Entschädigungseinrichtung deutscher Banken), in line with EU requirements that protect deposits up to 100,000 euros per depositor. Germany holds the top sovereign credit rating of AAA, underscoring the country's fiscal and economic strength.
In addition, Hanseatic Bank is a member of the Deposit Protection Fund of the Federal Association of German Banks (Bundesverband deutscher Banken e. V.). This means that deposits are currently protected up to 3 million euros per customer.
How can I manage the SparBrief account?
To manage Hanseatic's SparBrief, the bank provides online banking and a mobile app for iOS/Android. Hanseatic’s mobile app and website let you easily track your balances, make transfers, and check your digital postbox.
Hanseatic Bank’s customer service is principally available via a contact form. There is also telephone support, but the contact form is the primary option. While customer service is primarily in German, Hanseatic Bank provides an English-language mobile application.
How can I open the Hanseatic Bank “SparBrief“?
You need to open Hanseatic Bank's fixed-term deposit "SparBrief" accounts online; Hanseatic Bank offers VideoIdent, electronic German ID scanning, and identity verification in-person at a post office. Applicants must be adults with a valid ID and official residence in Germany.
Furthermore, you need a reference current account with a German bank account number (IBAN starting with DE) to make deposits and payouts.
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