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NIBC Fixed-Term Deposit: NIBC Festgeld Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits NIBC NIBC Festgeld

Christian

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In a nutshell:

  • The “NIBC Festgeld” is a fixed-term deposit offered by NIBC.
  • The return on the NIBC fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.25% annually for a duration of 60 months.
  • Savings are protected under the national deposit insurance scheme of the Netherlands.

Find all the details and rates below in our frequently asked questions on the fixed-term deposit by NIBC.

How much interest does the NIBC NIBC Festgeld pay?

NIBC offers the fixed-term deposit “NIBC Festgeld” in 10 different terms, with annual percentage yields ranging from 2.00% to 2.25%. The highest interest is paid for the 120-month fixed-term deposit.

You can find an overview of all conditions for the NIBC fixed-term deposits below:

Term

Interest rate

Deposit amount

Who is behind NIBC?

NIBC Bank is a Dutch bank with a long-standing history in corporate and structured finance, dating back to 1945.

In addition to its core business banking activities, NIBC offers savings and deposit products to retail customers in several European countries, including Germany. Through its German branch, NIBC focuses on straightforward savings solutions, including Tagesgeld and fixed-term deposits.

How safe is my money with NIBC?

Deposits held with NIBC are protected under the Dutch statutory deposit guarantee scheme, which covers eligible deposits up to 100,000 euros per depositor and bank in accordance with EU law. The Netherlands has a strong sovereign credit rating (AAA from major rating agencies), which supports confidence in the stability of its banking system and deposit protection framework.

How can I manage the NIBC Festgeld account?

The NIBC Festgeld is managed via the bank’s online banking platform, which allows customers to view balances, open new investments, and transfer funds. NIBC also provides a dedicated mobile app for iOS and Android. While the website is exclusively in German, the mobile application also features English.

Customer service is available via chatbot, telephone, and email, with support provided primarily in German.

How can I open the NIBC “NIBC Festgeld“?

The "" can be opened through a fully online application process via the bank's German website. There are dedicated offers, conditions, and local websites for residents from other European countries (e.g., the Netherlands, Belgium). Applicants must be at least 18 years old, but there are savings options for minors that can be opened with parental or guardian support.

For the German portfolio, you must have a residence in Germany and a current account with a German bank (IBAN starting with DE). This account serves as a reference account for withdrawals. The NIBC flexible savings account serves as the hub for all NIBC transactions. All customers, also those interested in a fixed-term deposit, must first open a Tagesgeldkonto.

As part of the onboarding process for fixed-term deposit, identity verification is conducted via either webcam (VideoIdent) or in person at a local post office (PostIdent). You need a valid ID or passport and a registration confirmation ("Meldebestätigung") if your official documents do not list your address.

Click here to get your NIBC 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.

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).

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