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Settle in Germany Banking Savings Fixed-Term Deposits SWK Bank Festgeldkonto

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SWK Bank for Expats in Germany

The fixed deposit by SWK Bank is available with various maturities and offers a maximum interest rate of 3.21% for the 36-month term to eligible residents in Germany.

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Last update: September 9, 2026Last data check: September 19, 2026

SWK Bank Festgeldkonto at a Glance

Account type: Festgeld / fixed deposit
Deposit insurance: Germany (up to €100,000 per customer)
Available maturities: See table below

Term

Interest rate

Deposit amount

Term / interest rate / deposit amount

How Can I Manage the SWK Bank Festgeldkonto?

The "Festgeldkonto" at SWK Bank is administered via the bank’s online banking platform. It offers all the functionalities to manage investments, view balances, make transfers, and more. For security reasons, you need a smartphone with the SWK appTAN application to confirm transactions.

Customer support is available via online banking, contact form or telephone and email, with services provided primarily in German.

How Can I Open the SWK Bank Festgeldkonto?

The "Festgeldkonto" at SWK Bank can be opened online via the bank’s website. Applicants must be at least 18 years old and have a German address to meet eligibility requirements.

The account opening process involves providing personal data, linking a reference current account (DE IBAN) for deposits and withdrawals, and completing identity verification via video call. Once these checks are completed successfully, the SWK  fixed-term deposit is activated.

Good to Know

Not sure if this account is right for you? Compare current Festgeld rates and estimated returns across available accounts in Germany.

 

Compare Fixed Deposits in Germany

Open SWK Bank Festgeldkonto

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.

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This content is for general information only and does not constitute personalized financial advice or a recommendation to use any particular product or provider. Product features, rates, fees, eligibility requirements, and terms can change. Please conduct your own research and seek independent professional advice where appropriate. Always verify the current terms with the provider before purchasing a service or opening an account.