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Settle in Germany Banking Savings Fixed-Term Deposits GEFA Bank GEFA ZinsWachstum 3 Jahre

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GEFA Bank for Expats in Germany

The fixed deposit by GEFA Bank is available with various maturities and offers a maximum interest rate of 2.88% for the 36-month term to eligible residents in Germany.

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Last update: August 25, 2026Last data check: September 19, 2026

GEFA Bank GEFA ZinsWachstum 3 Jahre 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

How Can I Manage the GEFA Bank GEFA ZinsWachstum 3 Jahre?

GEFA Bank’s services are only available in German. The GEFA ZinsWachstum 3 Jahre can be managed via the web interface. There is no dedicated mobile app, except for TAN generation, which ensures secure money transfers. For any questions regarding GEFA’s fixed-term deposit, there is a hotline, contact e-mail, and online banking contact form.

How Can I Open the GEFA Bank GEFA ZinsWachstum 3 Jahre?

To open a GEFA Bank fixed-term deposit, you require a German residency, German tax number (ID), and must be at least 18 years old. The identification process can exclusively be done online via webcam. For this, you require a valid ID or passport from Germany, Belgium, Denmark, France, Finland, Greece, Great Britain, Italy, Canada, Kosovo, Croatia, Lithuania, Netherlands, Norway, Austria, Portugal, Poland, Romania, Sweden, Switzerland, Serbia, Spain, Czechia, Turkey, or the USA. For payouts from your GEFA ZinsWachstum 3 Jahre, you require a current account with a German IBAN (bank account number starting with DE).

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

Open GEFA Bank GEFA ZinsWachstum 3 Jahre

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.