96 months
1.6% (paid Annually)
Min. €2,500
Max. €250,000
Max. €250,000
Deutsche Bank Fixed-Term Deposit: FestzinsSparen Review 2026
In a nutshell:
- The “FestzinsSparen” is a fixed-term deposit offered by Deutsche Bank.
- The return on the Deutsche Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 1.6% annually for a duration of 96 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 Deutsche Bank.
How much interest does the Deutsche Bank FestzinsSparen pay?
Deutsche Bank offers the fixed-term deposit “FestzinsSparen” with an annual percentage yield of 1.60% and a term of 96 months.
In comparison, the top Festgeld high-yield savings accounts are currently offered by Raiffeisenbank Wittelsbacher Land (3.33% for 6 months) and Rediem Capital AB (3.25% for 120 months).
You can find an overview of all conditions for the Deutsche Bank Deutsche Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
Who is behind Deutsche Bank?
Deutsche Bank AG is Germany’s largest private bank and one of the leading global financial institutions, founded in 1870 and headquartered in Frankfurt am Main. The bank offers a comprehensive range of financial services, including retail banking, corporate banking, investment services, and wealth management. For private customers, Deutsche Bank offers various savings products, including Tagesgeld, fixed-term deposits, and structured savings plans. It combines traditional branch-based advisory services with modern digital banking solutions, positioning itself as a full-service provider with a strong international presence.
How safe is my money with Deutsche Bank?
Deposits with Deutsche Bank are protected under Germany’s statutory deposit guarantee scheme, the Entschädigungseinrichtung deutscher Banken (EdB), up to 100,000 euros per depositor and bank in accordance with EU law. Germany’s sovereign credit rating is top (AAA), supporting confidence in the stability of the banking system and deposit protection framework. In addition, Deutsche Bank is a member of the voluntary deposit protection fund of the Association of German Banks, which can provide protection beyond the statutory limit depending on the circumstances.
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How can I manage the FestzinsSparen account?
The Deutsche Bank "" can be managed via online banking, the Deutsche Bank mobile app (iOS and Android), phone banking, and branch services.
Customers can, among other things, monitor balances, track interest, and transfer funds between accounts. Customer service is available via telephone, contact form, chat, and in-branch consultation. Deutsche Bank is one of the most expat-friendly banks, offering online banking and mobile apps, as well as customer support in English and German.
How can I open the Deutsche Bank “FestzinsSparen“?
The at Deutsche Bank can be opened via a digital application process on the bank’s website or in a branch. Applicants must be at least 18 years old and typically reside in Germany.
During onboarding for the Deutsche Bank fixed-term deposit, customers complete identity verification via either VideoIdent (a video call from your laptop, tablet, or smartphone) or PostIdent (a personal visit to a post office branch). A reference current account in your name and a valid IBAN bank account number are required for managing deposits and withdrawals. After successful verification and approval, the account is activated and ready for use.
About the Author
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