1 months
2.25% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
Bigbank Fixed-Term Deposit: Festgeld Review 2026
In a nutshell:
- The “Festgeld” is a fixed-term deposit offered by Bigbank.
- The return on the Bigbank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 3.2% annually for a duration of 120 months.
- Savings are protected under the national deposit insurance scheme of Estonia.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Bigbank.
How much interest does the Bigbank Festgeld pay?
Bigbank offers the fixed-term deposit “Festgeld” in 11 different terms, with annual percentage yields ranging from 2.25% to 3.20%. The highest interest is paid for the 120-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by Achmea Bank (3.6% for 120 months) and J&T Direktbank (3.5% for 120 months).
You can find an overview of all conditions for the Bigbank Bigbank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
3 months
2.5% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
6 months
2.8% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
9 months
2.8% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
12 months
3.05% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
18 months
3.05% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
24 months
3.15% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
36 months
3.2% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
48 months
3.2% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
60 months
3.2% (paid At maturity)
Min. €1,000
Max. €100,000
Max. €100,000
Who is behind Bigbank?
Bigbank is a Baltic banking group, founded in Estonia, that operates across several European countries, offering banking solutions to private customers and businesses. It specialises in savings deposits, consumer loans, and term deposit products. The bank also maintains physical branches in countries like Estonia, Finland, and Spain. In other markets, including Germany, it acts as a pure online bank.
How safe is my money with Bigbank?
Deposits at Bigbank are secured by the Estonian national deposit insurance scheme called "Tagatisfond." This scheme protects up to 100,000 euros per depositor and complies with EU regulations. Estonia has a strong sovereign credit rating of A+, reflecting the country's creditworthiness and stable political environment.
See all fixed-term deposits
Check our complete list of time money and easily calculate your possible return.
Best interest rates for Festgeld in Germany in August 2026
How can I manage the Festgeld account?
The at Bigbank is managed via the bank's online banking portal. Here you can view balances, check interest details, and initiate transfers to your linked reference account. Customer support is available via telephone, online banking messaging, and email. Services and interfaces for Germany-based customers are provided in German.
How can I open the Bigbank “Festgeld“?
To open the "Festgeld" with Bigbank, you can begin the process online via the bank’s German website. Applicants must be 18 years or older, require a German residency, and have a German mobile phone number. Moreover, you need a current account in your name with a German bank that serves as a reference account for withdrawals from Bigbank fixed-term deposit. The identification process involves your legitimation using video chat (VideoIdent) or a visit to a post office (PostIdent). You need a valid ID or passport.
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