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Opel Direktbank Fixed-Term Deposit: Festgeld Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits Opel Direktbank Festgeld

Christian - German Expat Banking & Connectivity Expert

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In a nutshell:

  • The “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 3.1% annually for a duration of 24 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 Festgeld pay?

Opel Direktbank offers the fixed-term deposit “Festgeld” in 3 different terms, with annual percentage yields ranging from 3.02% to 3.10%. The highest interest is paid for the 24-month fixed-term deposit.

In comparison, the top Festgeld high-yield savings accounts are currently offered by Achmea Bank (3.6% for 120 months) and J&T Direktbank (3.5% for 120 months).

You can find an overview of all conditions for the Opel Direktbank Opel Direktbank fixed-term deposits in the following table:

Term

Interest rate

Deposit amount

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

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 August 2026

 

How can I manage the Festgeld account?

You manage the 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 “Festgeld“?

To open the 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.

Click here to get your Opel Direktbank fixed-term deposit!

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 our passion and hobby. However, we 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. We do not take responsibility for the accuracy and up-to-dateness of the data (§18 ZKG).

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