3 months
1.7% (paid Annually)
Min. €15,000
Max. €100,000
Max. €100,000
Yapi Kredi Bank Deutschland Fixed-Term Deposit: Festgeld - raisin Review 2026
In a nutshell:
- The “Festgeld - raisin” is a fixed-term deposit offered by Yapi Kredi Bank Deutschland.
- The return on the Yapi Kredi Bank Deutschland fixed-term deposit is dependent on the duration of the deposit. The highest interest is 2% annually for a duration of 12 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 Yapi Kredi Bank Deutschland.
How much interest does the Yapi Kredi Bank Deutschland Festgeld - raisin pay?
Yapi Kredi Bank Deutschland offers the fixed-term deposit “Festgeld - raisin” in 3 different terms, with annual percentage yields ranging from 1.70% to 2.00%. The highest interest is paid for the 12-month fixed-term deposit.
In comparison, the top Festgeld high-yield savings accounts are currently offered by J&T Direktbank (3.5% for 120 months) and Raiffeisenbank Wittelsbacher Land (3.33% for 6 months).
You can find an overview of all conditions for the Yapi Kredi Bank Deutschland Yapi Kredi Bank Deutschland fixed-term deposits in the following table:
Term
Interest rate
Deposit amount
6 months
1.8% (paid Annually)
Min. €15,000
Max. €100,000
Max. €100,000
12 months
2% (paid Annually)
Min. €15,000
Max. €100,000
Max. €100,000
Who is behind Yapi Kredi Bank Deutschland?
Yapı ve Kredi Bankası A.Ş. (Structure and Credit Bank) is one of Turkey’s largest private banks. More than 81% of its shares are held by Koç Finansal Hizmetler, a joint venture between Koç Holding, Turkey’s largest industrial conglomerate, and Italian bank UniCredit.
Yapi Kredi Bank Deutschland GmbH & Co. OHG, headquartered in Frankfurt am Main, was formed following the acquisition of the J. Faisst banking house, whose origins date back to 1926. The bank offers a wide range of financial services to private and corporate clients, including liquidity management and correspondent banking.
How safe is my money with Yapi Kredi Bank Deutschland?
Deposits with Yapi Kredi Bank Deutschland GmbH & Co. OHG are protected under the German statutory deposit insurance scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and per institution. This is in accordance with EU deposit-guarantee rules. Germany’s sovereign credit rating is at the top (AAA with major agencies).
In addition to the statutory guarantee, Yapi Kredi Bank Deutschland GmbH & Co. OHG participates in the voluntary deposit protection fund of the Association of German Banks (Bundesverband deutscher Banken e.V.), which extends coverage above the statutory minimum.
See all fixed-term deposits
Check our complete list of time money and easily calculate your possible return.
Best interest rates for Festgeld in Germany in April 2026
How can I manage the Festgeld - raisin account?
Your Yapi Kredi Bank Deutschland fixed-term deposit is managed entirely through the Raisin online platform. You can view balances, initiate transfers, and download documents via the Raisin web interface or the Raisin mobile app for iOS and Android.
The web interface and applications are available in German, English, Finnish, French, Dutch, Polish, and Spanish. Customer service is provided in local languages via secure messaging in the online banking and by phone. Since the account is operated through Raisin, you are not dependent on Yapi Kredi Bank Deutschland ’s own systems or require additional apps or credentials for any administrative steps related to the fixed-term deposit.
How can I open the Yapi Kredi Bank Deutschland “Festgeld - raisin“?
Opening the "Festgeld - raisin" fixed-term deposit with Yapi Kredi Bank Deutschland is done fully online via the interest marketplace Raisin.
Raisin is based in Berlin, Germany. Using the marketplace, you only need to register once and can then open several savings options, such as a Yapi Kredi Bank Deutschland's fixed-term deposit, across Europe and the globe within minutes. The Raisin platform is available to adults residing in Germany, Austria, France, Ireland, the Netherlands, Poland, Spain, the United Kingdom, and the United States. However, product offerings may vary by country.
You require a valid ID or passport to complete the identification procedure. In Germany, it can either be performed online via VideoIdent or in person at a post office branch (PostIdent). Once complete, you will get a reference account with Frankfurt-based Raisin Bank to which you shall connect your personal German current account. Afterwards, you can open the fixed-term deposit with Yapi Kredi Bank Deutschland. The desired amount will automatically be transferred from your Raisin reference account to Yapi Kredi Bank Deutschland.
About the Author
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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