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Deutsche Bank for Expats in Germany

The fixed deposit by Deutsche Bank is available with various maturities and offers a maximum interest rate of 2.7% for the 12-month term to eligible residents in Germany.

Written by Christian - German Expat Banking & Connectivity Expert
Last update: August 25, 2026Last data check: September 19, 2026

Deutsche Bank FestzinsSparen at a Glance

Account type: Festgeld / fixed deposit
Deposit insurance: Germany (up to €100,000 per customer)
Available maturities: See table below

Term

Interest rate

Deposit amount

Term / interest rate / deposit amount

6 months

2.3% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

12 months

2.7% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

24 months

2.3% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

36 months

2.3% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

48 months

2.4% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

60 months

2.4% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

72 months

2.4% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

84 months

2.4% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

96 months

2.4% (paid Annually)

Min. €2,500
Max. €250,000

Open Fixed Deposit

How Can I Manage the Deutsche Bank FestzinsSparen?

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.

Good to Know

Not sure if this account is right for you? Compare current Festgeld rates and estimated returns across available accounts in Germany.

Compare Fixed Deposits in Germany

About 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.
Deutsche Bank Deposit Protection
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.

Open Deutsche Bank FestzinsSparen

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.

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This content is for general information only and does not constitute personalized financial advice or a recommendation to use any particular product or provider. Product features, rates, fees, eligibility requirements, and terms can change. Please conduct your own research and seek independent professional advice where appropriate. Always verify the current terms with the provider before purchasing a service or opening an account.