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pbb direkt Fixed-Term Deposit: FestgeldPLUS Review 2026

Settle in Germany Banking Savings Fixed-Term Deposits pbb direkt FestgeldPLUS

Christian

Last updated on

In a nutshell:

  • The “FestgeldPLUS” is a fixed-term deposit offered by pbb direkt.
  • The return on the pbb direkt fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2% annually for a duration of 36 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 pbb direkt.

How much interest does the pbb direkt FestgeldPLUS pay?

pbb direkt offers the fixed-term deposit “FestgeldPLUS” in 3 different terms, with annual percentage yields ranging from 0.75% to 2.00%. The highest interest is paid for the 36-month fixed-term deposit.

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

Term

Interest rate

Deposit amount

Who is behind pbb direkt?

pbb direkt is the direct banking arm of Deutsche Pfandbriefbank (pbb), specialising in property finance and corporate lending. pbb direkt offers selected deposit products and savings accounts to retail customers, leveraging the pbb group’s balance-sheet strength and mortgage-backed funding model.

How safe is my money with pbb direkt?

Deposits with pbb direkt are protected by German deposit protection (Entschädigungseinrichtung deutscher Banken) up to 100,000 Euro. Germany’s credit rating is AAA, the highest possible.

How can I manage the FestgeldPLUS account?

pbb direkt services are only available in German. The FestgeldPLUS can be managed via the web interface. There is no dedicated mobile app, except for TAN generation, which ensures secure money transfers. For any questions regarding pbb direkt’s fixed-term deposit, there is a hotline, contact e-mail, and online banking contact form.

How can I open the pbb direkt “FestgeldPLUS“?

You can open a FestgeldPLUS or other accounts by pbb direkt online. Identification is required via VideoIdent or PostIdent. Applicants for a pbb direkt fixed-term deposit must reside in Germany. For payouts from your FestgeldPLUS, you require a current account with a valid German IBAN. Minors can only open an account with their parent/guardian's support.

Click here to get your pbb direkt 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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