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wiLLBe for Expats in Germany

The fixed deposit by wiLLBe is available with various maturities and offers a maximum interest rate of 3.38% for the 120-month term to eligible residents in Germany.

Written by Christian - German Expat Banking & Connectivity Expert
Last update: August 25, 2026Last data check: September 19, 2026

wiLLBe Festgeld at a Glance

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

Term

Interest rate

Deposit amount

Term / interest rate / deposit amount

1 month

1.89% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

2 months

1.98% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

3 months

2.07% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

6 months

2.37% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

9 months

2.51% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

12 months

2.66% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

24 months

2.87% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

36 months

2.94% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

48 months

3% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

60 months

3.07% (paid Annually)

Min. €100
Max. €100,000

Open Fixed Deposit

How Can I Manage the wiLLBe Festgeld?

The "Festgeld" at wiLLBe is managed via the wiLLBe mobile app (available for iOS and Android) and the web-based client portal. These tools allow customers to view balances, track interest accrual, and transfer funds to and from the linked reference account.

The wiLLBe registration process, online banking, and mobile application are available in German and English. Customer support can be reached via email and phone.

How Can I Open the wiLLBe Festgeld?

The Festgeld with wiLLBe can be opened entirely online via the wiLLBe website or mobile app. Applicants must generally be at least 18 years old and reside in either Germany, Austria, Switzerland, or Liechtenstein. They also need a valid mobile phone number and email address. Moreover, a current account with an IBAN is required as the reference account for funding and withdrawals.

As part of the onboarding process for the willBe fixed-term deposit, customers must complete digital identity verification. You need to scan your ID or passport and take a photo of yourself using your mobile phone.

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

About wiLLBe
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.
wiLLBe Deposit Protection
Deposits held with wiLLBe are protected under the Liechtenstein deposit guarantee scheme, which safeguards eligible deposits up to 100,000 Swiss Francs (100,000-110,000 euros, depending on the exchange rate) per depositor and per bank. Liechtenstein benefits from a firm sovereign credit profile (AAA rating), closely aligned with Switzerland and supported by a stable financial system.
As wiLLBe operates under the umbrella of Liechtensteinische Landesbank, customers additionally benefit from the bank’s solid capitalisation and long-standing reputation.

Open wiLLBe Festgeld

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.