12 months
2.2% (paid Annually)
Min. €1,000
Suresse Direkt Bank Fixed-Term Deposit: Festgeld Review 2026
In a nutshell:
- The “Festgeld” is a fixed-term deposit offered by Suresse Direkt Bank.
- The return on the Suresse Direkt Bank fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2.4% annually for a duration of 48 months.
- Savings are protected under the national deposit insurance scheme of Belgium.
Find all the details and rates below in our frequently asked questions on the fixed-term deposit by Suresse Direkt Bank.
How much interest does the Suresse Direkt Bank Festgeld pay?
Suresse Direkt Bank offers the fixed-term deposit “Festgeld” in 4 different terms, with annual percentage yields ranging from 2.20% to 2.40%. The highest interest is paid for the 48-month fixed-term deposit.
You can find an overview of all conditions for the Suresse Direkt Bank fixed-term deposits below:
Term
Interest rate
Deposit amount
24 months
2.25% (paid Annually)
Min. €1,000
36 months
2.35% (paid Annually)
Min. €1,000
48 months
2.4% (paid Annually)
Min. €1,000
Who is behind Suresse Direkt Bank?
Suresse Direkt Bank is a German brand and online bank of the Belgian branch of Santander Consumer Finance. Santander Consumer Finance is part of the Banco Santander Group, Spain's largest bank and one of the largest banking groups in the world.
Suresse Direkt Bank has been active in Belgium since 1992 and in Germany since 2022. It offers solutions for savers seeking straightforward, no-frills savings products available entirely online.
How safe is my money with Suresse Direkt Bank?
Suresse operates under Spanish law. In the event of bankruptcy, the Spanish insurance deposit scheme "Fondo de Garantía de Depósitos de Entidades de Crédito" covers all funds up to 100,000 euros. Spain has an investment-grade sovereign credit rating of "A+."
How can I manage the Festgeld account?
The at Suresse Direktbank is managed through the bank's online banking portal and mobile application for Android or iOS. You can view balances, track interest, and initiate transfers between your linked reference account and the savings account. Customer support is available via phone, contact form, and email. All customer service and digital interfaces are exclusively offered in German.
How can I open the Suresse Direkt Bank “Festgeld“?
To open the "" with Suresse Direktbank, you can apply online via the bank's website. Applicants generally must be 18 years of age or older, have a German residence, and a German mobile phone number. You also need a German tax ID and a current account with a German bank. The latter serves as a reference account for withdrawals from your Suresse fixed-term deposit.
The application with Suresse requires identity verification, which may be completed online by webcam (VideoIdent) or in person at a post office (PostIdent).
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