24 months
2.4% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Hamburg Commercial Bank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Hamburg Commercial Bank.
- The return on the Hamburg Commercial Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.85% annually for a duration of 60 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 Hamburg Commercial Bank.
How much interest does the Hamburg Commercial Bank Festgeld - raisin pay?
Hamburg Commercial Bank offers the fixed-term deposit “Festgeld - raisin” in 4 different terms, with annual percentage yields ranging from 2.40% to 2.85%. The highest interest is paid for the 60-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by Raiffeisenbank Wittelsbacher Land (3.33% for 6 months) and Rediem Capital AB (3.25% for 120 months).
You can find an overview of all conditions for the Hamburg Commercial Bank Hamburg Commercial Bank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
36 months
2.6% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
48 months
2.75% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
60 months
2.85% (paid Annually)
Min. €5,000
Max. €100,000
Max. €100,000
Who is behind Hamburg Commercial Bank?
Hamburg Commercial Bank AG (HCOB) is headquartered in Hamburg, Germany. Prior to its acquisition by private owners in 2018, the bank operated under the name HSH Nordbank and served as the state bank for the federal states of Hamburg and Schleswig-Holstein. The bank operates at several locations in Germany, as well as in Amsterdam, London, Luxembourg, and Piraeus.
HCOB offers a high level of expertise in structuring real estate financing and holds a strong market position in international shipping. It is a pioneer in Europe-wide project financing for renewable energy, digital infrastructure, the global aviation sector, and international corporate clients. Payment services, as well as foreign trade products, round out the bank’s offerings.
How safe is my money with Hamburg Commercial Bank?
Deposits with Hamburg Commercial Bank are protected under the German statutory deposit insurance scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and institution. This is pursuant to EU deposit-guarantee rules. Germany’s sovereign credit rating is at the top (AAA with major agencies).
In addition to the statutory guarantee, HCOB participates in the voluntary deposit protection fund of the Association of German Banks (Bundesverband deutscher Banken e.V.), which extends coverage above the statutory limits.
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 April 2026
How can I manage the Festgeld - raisin account?
Your Hamburg Commercial Bank fixed-term deposit is managed entirely through the Raisin online platform. You can view balances, initiate transfers, and download documents via the Raisin web interface or the Raisin mobile app for iOS and Android.
The web interface and applications are available in German, English, Finnish, French, Dutch, Polish, and Spanish. Customer service is provided in local languages via secure messaging in the online banking and by phone. Since the account is operated through Raisin, you are not dependent on Hamburg Commercial Bank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Hamburg Commercial Bank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Hamburg Commercial Bank is done fully online via the interest marketplace Raisin.
Raisin is based in Berlin, Germany. Using the marketplace, you only need to register once and can then open several savings options, such as a Hamburg Commercial Bank's fixed-term deposit, across Europe and the globe within minutes. The Raisin platform is available to adults residing in Germany, Austria, France, Ireland, the Netherlands, Poland, Spain, the United Kingdom, and the United States. However, product offerings may vary by country.
You require a valid ID or passport to complete the identification procedure. In Germany, it can either be performed online via VideoIdent or in person at a post office branch (PostIdent). Once complete, you will get a reference account with Frankfurt-based Raisin Bank to which you shall connect your personal German current account. Afterwards, you can open the fixed-term deposit with Hamburg Commercial Bank. The desired amount will automatically be transferred from your Raisin reference account to Hamburg Commercial Bank.
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