Fixed-Term Deposits Calculator 3/26: ≤ 3.15% Interest Yield for Festgeld in Germany

This fixed-term deposit option by SWK Bank has a duration of 120 months. Interest on the "Festgeldkonto" is paid annually. The minimum deposit amount is 10,000 euros, and the maximum deposit amount is 250,000 euros.

SWK Bank is a German direct bank based in Mainz. It specialises in consumer lending, savings, and deposit products for private customers. Established as part of the SWK Finanzgruppe, the bank offers flexible savings accounts, fixed‑term deposits and loan products with a focus on simplicity and digital accessibility.

SWK Bank aims to provide competitive interest rates on savings and a straightforward online experience.

Deposits at SWK Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about SWK Bank Festgeldkonto

This fixed-term deposit option by Hanseatic Bank has a duration of 60 months. Interest on the "SparBrief" is paid annually. The minimum deposit amount is 2,500 euros, and the maximum deposit amount is 500,000 euros.

Hanseatic Bank is a privately owned German bank headquartered in Hamburg. Founded in 1969, it initially focused on financing retail purchases for customers of Otto Group – a leading German retail company. Over time, it expanded its portfolio to include savings solutions, consumer credit, insurance products, and credit cards.

Since 2005, the majority stake in Hanseatic Bank belongs to Société Générale, one of France’s top banks. Today, Hanseatic Bank is best known for its digital and easily accessible financial solutions.

Deposits at Hanseatic Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about Hanseatic Bank SparBrief

This fixed-term deposit option by Hanseatic Bank has a duration of 72 months. Interest on the "SparBrief" is paid annually. The minimum deposit amount is 2,500 euros, and the maximum deposit amount is 500,000 euros.

Hanseatic Bank is a privately owned German bank headquartered in Hamburg. Founded in 1969, it initially focused on financing retail purchases for customers of Otto Group – a leading German retail company. Over time, it expanded its portfolio to include savings solutions, consumer credit, insurance products, and credit cards.

Since 2005, the majority stake in Hanseatic Bank belongs to Société Générale, one of France’s top banks. Today, Hanseatic Bank is best known for its digital and easily accessible financial solutions.

Deposits at Hanseatic Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about Hanseatic Bank SparBrief

This fixed-term deposit option by Santander has a duration of 12 months. Interest on the "Festgeld" is paid annually. The minimum deposit amount is 2,500 euros.

Santander in Germany operates under the Santander Consumer Bank and Santander Bank brands and is part of the Spain-based Banco Santander group. The group is a leading international banking conglomerate with approximately 165 million clients. The bank offers retail banking, consumer finance, mortgages, savings, and investment products across many countries. In Germany, Santander focuses on consumer lending and retail banking services.

Deposits at Santander are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about Santander Festgeld

This fixed-term deposit option by Creditplus Bank has a duration of 9 months. Interest on the "Festgeld - raisin" is paid annually.

Creditplus Bank was founded in 1960 and has since maintained its headquarters in Stuttgart, Germany. The bank has a clear focus on consumer loans but also offers savings products.

As a wholly owned subsidiary of CA Consumer Finance, Creditplus Bank is part of the Crédit Agricole banking group, one of the largest in France and worldwide. As part of this banking group, Creditplus Bank is committed to cooperative principles and builds on values such as solidarity, democracy, and mutuality.

Deposits at Creditplus Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about Creditplus Bank Festgeld - raisin

This fixed-term deposit option by Creditplus Bank has a duration of 12 months. Interest on the "Festgeld - raisin" is paid annually.

Creditplus Bank was founded in 1960 and has since maintained its headquarters in Stuttgart, Germany. The bank has a clear focus on consumer loans but also offers savings products.

As a wholly owned subsidiary of CA Consumer Finance, Creditplus Bank is part of the Crédit Agricole banking group, one of the largest in France and worldwide. As part of this banking group, Creditplus Bank is committed to cooperative principles and builds on values such as solidarity, democracy, and mutuality.

Deposits at Creditplus Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about Creditplus Bank Festgeld - raisin

This fixed-term deposit option by DenizBank has a duration of 12 months. Interest on the "DenizBank Festgeld" is paid at maturity. The minimum deposit amount is 1,000 euros.

DenizBank AG is the Austrian subsidiary of DenizBank A.Ş., an international banking group with roots in Turkey and operations across several countries.

In Germany, DenizBank offers financial products for consumers and businesses. This includes deposit products, credit and financing, and international transfer solutions. DenizBank AG operates as a licensed credit institution under Austrian banking supervision.

Deposits at DenizBank are secured through European Union regulation and the national deposit guarantee scheme of Austria.

Read more in our detailed review about DenizBank DenizBank Festgeld

This fixed-term deposit option by Klarna has a duration of 18 months. Interest on the "Festgeld - raisin" is paid annually. The minimum deposit amount is 500 euros, and the maximum deposit amount is 100,000 euros.

Klarna Bank is part of the Swedish fintech company Klarna Group, founded in 2005 and headquartered in Stockholm, Sweden. Its stocks have been publicly listed at the New York Stock Exchange since 2025.

Initially focused on providing “buy now, pay later” payment solutions, Klarna has expanded into consumer banking services, including deposits, credit cards, and savings accounts. Klarna Bank offers its products digitally to European customers, combining innovative fintech solutions with traditional banking functions. Klarna operates under Swedish banking regulation and is supervised by the Swedish Financial Supervisory Authority.

Deposits at Klarna are secured through European Union regulation and the national deposit guarantee scheme of Sweden.

Read more in our detailed review about Klarna Festgeld - raisin

This fixed-term deposit option by wiLLBe has a duration of 3 months. Interest on the "Festgeld" is paid annually. The minimum deposit amount is 100 euros, and the maximum deposit amount is 100,000 euros.

wiLLBe is a digital savings brand operated by Liechtensteinische Landesbank (LLB), one of the largest and longest-established banks in Liechtenstein. Its history dates back to 1861. The wiLLBe platform focuses on modern, app-based savings and investment solutions for retail customers across selected European markets.

Its offering includes flexible savings accounts and investment products designed for customers who value digital access, transparency, and a straightforward user experience. By combining LLB's financial strength with a modern digital interface, wiLLBe positions itself as a tech-driven alternative to traditional savings banks.

Deposits at wiLLBe are secured through European Union regulation and the national deposit guarantee scheme of Liechtenstein.

Read more in our detailed review about wiLLBe Festgeld

This fixed-term deposit option by wiLLBe has a duration of 4 months. Interest on the "Festgeld" is paid annually. The minimum deposit amount is 100 euros, and the maximum deposit amount is 100,000 euros.

wiLLBe is a digital savings brand operated by Liechtensteinische Landesbank (LLB), one of the largest and longest-established banks in Liechtenstein. Its history dates back to 1861. The wiLLBe platform focuses on modern, app-based savings and investment solutions for retail customers across selected European markets.

Its offering includes flexible savings accounts and investment products designed for customers who value digital access, transparency, and a straightforward user experience. By combining LLB's financial strength with a modern digital interface, wiLLBe positions itself as a tech-driven alternative to traditional savings banks.

Deposits at wiLLBe are secured through European Union regulation and the national deposit guarantee scheme of Liechtenstein.

Read more in our detailed review about wiLLBe Festgeld

This fixed-term deposit option by wiLLBe has a duration of 5 months. Interest on the "Festgeld" is paid annually. The minimum deposit amount is 100 euros, and the maximum deposit amount is 100,000 euros.

wiLLBe is a digital savings brand operated by Liechtensteinische Landesbank (LLB), one of the largest and longest-established banks in Liechtenstein. Its history dates back to 1861. The wiLLBe platform focuses on modern, app-based savings and investment solutions for retail customers across selected European markets.

Its offering includes flexible savings accounts and investment products designed for customers who value digital access, transparency, and a straightforward user experience. By combining LLB's financial strength with a modern digital interface, wiLLBe positions itself as a tech-driven alternative to traditional savings banks.

Deposits at wiLLBe are secured through European Union regulation and the national deposit guarantee scheme of Liechtenstein.

Read more in our detailed review about wiLLBe Festgeld

This fixed-term deposit option by bunq has a duration of 24 months. Interest on the "Festgeld" is paid annually. The minimum deposit amount is 1,000 euros, and the maximum deposit amount is 100,000 euros.

Founded in 2012, bunq is a Netherlands-based neo-bank operating throughout the EU. It considers itself a pioneer in sustainable banking, allowing customers to choose where and how their money is invested.

In addition to standard day-to-day banking and payments, bunq offers savings features - including dedicated savings accounts that let users set aside money, earn interest, and manage funds directly through the bunq mobile app. Its platform is designed for people who prefer fully digital banking without traditional branch networks.

Deposits at bunq are secured through European Union regulation and the national deposit guarantee scheme of the Netherlands.

Read more in our detailed review about bunq Festgeld

This fixed-term deposit option by 1822direkt has a duration of 12 months. Interest on the "Festgeldkonto" is paid annually. The minimum deposit amount is 5,000 euros.

1822direkt is the direct bank brand of Frankfurter Sparkasse and part of the Sparkassen‑Finanzgruppe. Founded in 1996 as an online banking arm, 1822direkt offers retail banking products under a digital-first model while relying on Frankfurter Sparkasse for its banking licence and infrastructure.

The product range focuses on everyday banking and savings: current accounts, a flexible savings account, fixed-term deposits, investment products, and consumer lending. As an online channel within the public Sparkasse network, 1822direkt combines digital ease of use with the reputation and regional backing of Germany’s savings bank group – Germany’s leading banking group in terms of customers.

Deposits at 1822direkt are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about 1822direkt Festgeldkonto

This fixed-term deposit option by TARGOBANK has a duration of 12 months. Interest on the "Festgeld" is paid annually. The minimum deposit amount is 2,500 euros.

TARGOBANK emerged from the German subsidiary of American Citibank. It still operates under a German banking license but has been part of Crédit Mutuel, a cooperative and France's fifth-largest bank, since 2008.

TARGOBANK is a full-service retail bank headquartered in Düsseldorf, with a network of branches and a strong online presence. TARGOBANK's offerings are designed to serve private individuals and small business owners. This includes a wide range of financial products, such as current accounts, credit and loan products, savings and investment accounts, and retirement solutions. The bank aims to combine personalised service with digital convenience, allowing customers to conduct everyday banking either in-branch or via its online and mobile channels.

Deposits at TARGOBANK are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about TARGOBANK Festgeld

This fixed-term deposit option by GEFA Bank has a duration of 6 months. Interest on the "GEFA FestGeld" is paid annually. The minimum deposit amount is 10,000 euros.

GEFA Bank is a German specialist bank focused on equipment and vehicle financing for businesses and corporate customers. Part of the Crédit Agricole group - France’s second-largest financial provider - GEFA offers leasing, installment loans, and financing solutions rather than broad retail deposit products. However, they also offer savings accounts to private consumers.

Deposits at GEFA Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about GEFA Bank GEFA FestGeld