12 months
2.25% (paid Annually)
Min. €1,000
Opel Direktbank Fixed-Term Deposit: Opel Direktbank Festgeld Review 2026
In a nutshell:
- The “Opel Direktbank Festgeld” is a fixed-term deposit offered by Opel Direktbank.
- The return on the Opel Direktbank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.25% annually for a duration of 12 months.
- Savings are protected under the national deposit insurance scheme of France.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Opel Direktbank.
How much interest does the Opel Direktbank Opel Direktbank Festgeld pay?
Opel Direktbank offers the fixed-term deposit “Opel Direktbank Festgeld” in 3 different terms, with annual percentage yields ranging from 1.85% to 2.25%. The highest interest is paid for the 12-month fixed-term deposit.
You can find an overview of all conditions for the Opel Direktbank fixed-term deposits below:
Term
Interest rate
Deposit amount
24 months
2.2% (paid Annually)
Min. €1,000
36 months
1.85% (paid Annually)
Min. €1,000
Who is behind Opel Direktbank?
Opel Direktbank offers flexible savings and fixed-term deposit accounts with online account opening and management.
Opel Bank was part of the corresponding automotive group. Since 2024, following the merger with Stellantis, the activities of Opel Bank and PSA Bank have been consolidated into Stellantis Bank SA. The two banks' deposit business is now marketed under the Stellantis Direktbank and Opel Direktbank brands.
How safe is my money with Opel Direktbank?
Customer deposits at Opel Direktbank are protected by the statutory deposit insurance scheme established under EU and French law. As the EU's second-largest economy, France has an A+ credit rating. The scheme guarantees coverage of up to 100,000 euros per bank and per depositor. Please note that Opel Direktbank is affiliated with Stellantis Direktbank. Therefore, the insurance limit applies to your total combined deposits at both Stellantis and Opel
How can I manage the Opel Direktbank Festgeld account?
You manage the Opel Direktbank Festgeld via the Opel Direktbank online banking. You can view balances, make transfers to/from your linked reference account, receive digital statements, and handle account settings. Support is available via contact form, e-mail, or telephone. The web interface is entirely in German. You also need the "SecureGo+" application to securely confirm transactions. However, there is no dedicated mobile banking app for account management.
How can I open the Opel Direktbank “Opel Direktbank Festgeld“?
To open the Opel Direktbank Festgeld, you need to apply online through the Opel Direktbank website. It is essential to have a German reference current account with a German IBAN for payouts, as well as a German residence and postal address. Applicants must be at least 18 years old; however, parents or guardians can open an account for minors. Additionally, you will need a German mobile number and a smartphone to use the application, which generates secure transaction codes (TANs).
Once you complete the online application process, print and sign the physical opening documents and send them to Opel Direktbank. For identity verification, you can visit a post office branch and use the PostIdent method. After completing your registration, you will receive the final verification PIN code by post.
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