3 months
1.3% (paid Annually)
Min. €2,500
Max. €500,000
Max. €500,000
DKB Fixed-Term Deposit: Festgeld Review 2026
In a nutshell:
- The “Festgeld” is a fixed-term deposit offered by DKB.
- The return on the DKB fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.7% annually for a duration of 120 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 DKB.
How much interest does the DKB Festgeld pay?
DKB offers the fixed-term deposit “Festgeld” in 8 different terms, with annual percentage yields ranging from 1.30% to 2.70%. 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 DKB DKB fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
6 months
1.8% (paid Annually)
Min. €2,500
Max. €500,000
Max. €500,000
12 months
2.1% (paid Quarterly)
Min. €2,500
Max. €500,000
Max. €500,000
24 months
2.2% (paid Quarterly)
Min. €2,500
Max. €500,000
Max. €500,000
36 months
2.3% (paid Quarterly)
Min. €2,500
Max. €500,000
Max. €500,000
48 months
2.4% (paid Quarterly)
Min. €2,500
Max. €500,000
Max. €500,000
60 months
2.5% (paid Quarterly)
Min. €2,500
Max. €500,000
Max. €500,000
120 months
2.7% (paid Quarterly)
Min. €2,500
Max. €500,000
Max. €500,000
Who is behind DKB?
DKB (Deutsche Kreditbank AG) is probably the most established online bank in Germany, with its headquarters in Berlin and a founding date of 1990. It is backed by the State Bank of Bavaria (BayernLB) and is known for offering one of the most popular German current accounts. Moreover, DKB provides a comprehensive range of retail banking and investment products, including savings and deposit accounts, credit and lending solutions, and securities services. It serves both private and business customers across Germany.
How safe is my money with DKB?
Deposits with DKB are protected under Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to the statutory limit of 100,000 euros per depositor and institution under EU law. Germany’s sovereign credit rating remains at the top (AAA across major agencies), supporting confidence in the country’s financial system and regulatory environment. In addition to this mandatory protection, DKB participates in the voluntary deposit protection fund of the Association of German Banks (Bankenverband), which extends coverage well above the statutory minimum.
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 Festgeld at DKB is managed through the bank’s online banking portal and mobile app (available for iOS and Android), where you can view balances, transfer funds between accounts, manage account security, and more. All interfaces are exclusively available in German. Customer support for the DKB fixed-term deposit is accessible via an AI chat agent, phone, and contact form.
How can I open the DKB “Festgeld“?
To open the Festgeld with DKB, you can apply directly online via the DKB website. Having a DKB current account (Girokonto) is a prerequisite for using any of their other financial products. Applicants must generally be at least 18 years old, but there are special options for minors available (u18). If you are a non-resident of Germany, you can also open a current account using a foreign address. Citizens of other countries require an official address in Germany, Austria, or Switzerland. For people with German nationality, accounts can be opened in any country of residence (except sanctioned countries such as Iran or North Korea). People with other nationalities can open an account only in an official residence in Germany, Austria, or Switzerland. The application requires personal information and identity verification, which is completed online via VideoIdent or in person at a post office branch (PostIdent).
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