Deutsche Bank Fixed-Term Deposit: FestzinsSparen Review 2026

Last updated on
June 10, 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 2.7% annually for a duration of 12 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” in 10 different terms, with annual percentage yields ranging from 2.20% to 2.70%. The highest interest is paid for the 12-month fixed-term deposit.

In comparison, the top Festgeld high-yield savings accounts are currently offered by J&T Direktbank (3.5% for 120 months) and BTG Pactual Europe (3.41% 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

6 months

2.2% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

12 months

2.7% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

12 months

2.2% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

24 months

2.2% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

36 months

2.2% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

48 months

2.3% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

60 months

2.3% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

72 months

2.3% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

84 months

2.3% (paid Annually)

For opening a Deutsche Bank fixed-interest savings account online with Deutsche Bank AG, you will receive a BestChoice voucher worth €25, subject to the following terms and conditions. This offer is valid until June 25, 2026. Applications for the Deutsche Bank fixed-interest savings account with a fixed interest rate for 12 months and a minimum investment amount of €10,000 must be submitted exclusively via the website deutsche-bank.de, the Deutsche Bank app, or Deutsche Bank Online Banking. Further information is available on the provider’s website.

Min. €2,500
Max. €250,000

96 months

2.3% (paid Annually)

Min. €2,500
Max. €250,000

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.

Deutsche Bank FestzinsSparen

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 June 2026

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.

Click here to get your Deutsche Bank flexible savings account!

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.

Table of Contents

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.