IKB Deutsche Industriebank Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by IKB Deutsche Industriebank.
- The return on the IKB Deutsche Industriebank fixed-term deposit is dependent on the duration of the deposit. The highest interest is % annually for a duration of 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 IKB Deutsche Industriebank.
How much interest does the IKB Deutsche Industriebank Festgeld - raisin pay?
IKB Deutsche Industriebank offers the fixed-term deposit “Festgeld - raisin”
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 IKB Deutsche Industriebank IKB Deutsche Industriebank fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
Who is behind IKB Deutsche Industriebank?
IKB Deutsche Industriebank AG is a German bank with a long-standing focus on corporate and project financing, particularly for medium-sized enterprises. Founded in 1924, IKB is one of Germany’s established specialist banks and combines traditional banking expertise with selected retail savings products.
Alongside its core corporate banking activities, IKB offers deposit products such as Tagesgeld and fixed-term deposits to private customers, primarily via digital channels. The bank emphasises stability, professional risk management, and transparent conditions.
How safe is my money with IKB Deutsche Industriebank?
Deposits held with IKB are protected under Germany's statutory deposit guarantee scheme, the "Entschädigungseinrichtung deutscher Banken", up to 100,000 euros per depositor and bank in accordance with EU law. Germany's sovereign credit rating is very strong (AAA with major rating agencies), supporting confidence in the national banking and deposit protection framework.
In addition, IKB Deutsche Industriebank AG is a member of the Deposit Protection Fund of the Association of German Banks (ESF), thus providing protection beyond the statutory minimum.
See all Festgeld options
Check our complete list of time money and easily calculate your possible return.
How can I manage the Festgeld - raisin account?
Your IKB Deutsche Industriebank 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 IKB Deutsche Industriebank ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the IKB Deutsche Industriebank “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with IKB Deutsche Industriebank 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 IKB Deutsche Industriebank'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 IKB Deutsche Industriebank. The desired amount will automatically be transferred from your Raisin reference account to IKB Deutsche Industriebank.
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