Flexible Savings Account Calculator: Compare the Best Interest Rates

Consorsbank offers the flexible savings account "Tagesgeld" with quarterly interest payouts. The promotional interest rate of 3.1% is valid for 3 months. This interest is applicable for account balances of at least 1 euros and at most 1,000,000 euros. The regular interest rate is 0.8%. You must maintain a balance of at least 1 euros.

Consorsbank is the retail banking and broker brand owned by France’s leading bank, BNP Paribas, in Germany. Tracing roots to the 1990s as a direct bank, Consorsbank offers banking and investing products, including current accounts, savings products, a Tagesgeld account, and securities services. As part of BNP Paribas, Consorsbank combines local German services with the backing of a large international banking group.

Deposits at Consorsbank are secured through European Union regulation and the national deposit guarantee scheme of France.

Read more in our detailed review about Consorsbank Tagesgeld

Bank of Scotland offers the flexible savings account "Tagesgeld" with annually interest payouts. The promotional interest rate of 3% is valid for 3 months. This interest is applicable for account balances of at least 1 euros and at most 100,000 euros. The regular interest rate is 1.25%. You must maintain a balance of at least 1 euros.

Bank of Scotland is part of Lloyds Banking Group and operates across the UK as a retail and commercial bank. Founded in 1695, it has a long history and provides current accounts, savings, and mortgage products. In Germany and Europe, the Bank of Scotland brand appears via specific product partnerships or online offerings, sometimes targeted at cross-border customers.

Deposits at Bank of Scotland are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about Bank of Scotland Tagesgeld

ING offers the flexible savings account "Tagesgeld (Extra-Konto)" with annually interest payouts. The promotional interest rate of 2.75% is valid for 4 months. This interest is applicable for account balances of at least 1 euros and at most 250,000 euros. The regular interest rate is 0.75%. You must maintain a balance of at least 1 euros.

ING in Germany (formally known as ING-DiBa) is the German retail arm of the Dutch ING Group. ING Group is part of the world’s biggest banks, consistently ranking among the global top 30. With approximately 10 million customers, ING has grown into Germany’s largest online bank. They offer everyday banking, savings and deposit accounts, mortgages, consumer loans, and investment services. The bank emphasizes digital, low-cost products and an easy-to-use mobile app for retail customers.

Deposits at ING are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about ING Tagesgeld (Extra-Konto)

Santander offers the flexible savings account "Tagesgeld" with monthly interest payouts. The promotional interest rate of 2.3% is valid for 4 months. This interest is applicable for account balances of at least 1 euros and at most 999,999 euros. The regular interest rate is 0.3%. You must maintain a balance of at least 1 euros.

Santander in Germany operates under the Santander Consumer Bank and Santander Bank brands and is part of the Spain-based Banco Santander group. The group is a leading international banking conglomerate with approximately 165 million clients. The bank offers retail banking, consumer finance, mortgages, savings, and investment products across many countries. In Germany, Santander focuses on consumer lending and retail banking services.

Deposits at Santander are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about Santander Tagesgeld

Barclays offers the flexible savings account "Tagesgeld" with annually interest payouts. The promotional interest rate of 2.3% is valid for 6 months. This interest is applicable for account balances of at least 1 euros and at most 250,000 euros. The regular interest rate is 1.2%. You must maintain a balance of at least 1 euros.

Barclays is one of the globally leading international banks headquartered in the UK. Barclays offers retail and corporate banking, wealth management, and investment services worldwide. Since the beginning of 2025, the German consumer business, including credit cards, savings accounts, and private loans, has been taken over by BAWAG Group. BAWAG is an Austrian, publicly listed banking group backing several well-established brands, including easybank.

Deposits at Barclays are secured through European Union regulation and the national deposit guarantee scheme of Austria.

Read more in our detailed review about Barclays Tagesgeld

1822direkt offers the flexible savings account "Tagesgeldkonto" with annually interest payouts. The promotional interest rate of 2.25% is valid for 6 months. This interest is applicable for account balances of at least 1 euros and at most 250,000 euros. The regular interest rate is 0.6%. You must maintain a balance of at least 1 euros.

1822direkt is the direct bank brand of Frankfurter Sparkasse and part of the Sparkassen‑Finanzgruppe. Founded in 1996 as an online banking arm, 1822direkt offers retail banking products under a digital-first model while relying on Frankfurter Sparkasse for its banking licence and infrastructure.

The product range focuses on everyday banking and savings: current accounts, a flexible savings account, fixed-term deposits, investment products, and consumer lending. As an online channel within the public Sparkasse network, 1822direkt combines digital ease of use with the reputation and regional backing of Germany’s savings bank group – Germany’s leading banking group in terms of customers.

Deposits at 1822direkt are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about 1822direkt Tagesgeldkonto

Banca Progetto offers the flexible savings account "Tagesgeld - raisin" with annually interest payouts. The regular interest rate is 2%. You must maintain a balance of at least 10,000 euros and at most 90,000 euros.

Banca Progetto is an Italian bank founded in 1994 and today focuses primarily on modern digital banking solutions for private and corporate customers. The bank has evolved from a traditional financial institution into a lean, technology-driven provider offering fully online savings and lending products. Through its strong digital orientation, Banca Progetto enables customers from several European countries to access attractive deposit products. The bank is headquartered in Milan and operates under the supervision of the Bank of Italy.

Deposits at Banca Progetto are secured through European Union regulation and the national deposit guarantee scheme of Italy.

Read more in our detailed review about Banca Progetto Tagesgeld - raisin

The regular interest rate is 1.91%. You must maintain a balance of at least 1 euros and at most 100,000 euros.

Deposits at are secured through European Union regulation and the national deposit guarantee scheme of .

Read more in our detailed review about Tagesgeld - raisin

GEFA Bank offers the flexible savings account "GEFA TagesGeld" with annually interest payouts. The regular interest rate is 1.9%. You must maintain a balance of at least 10,000 euros and at most 500,000 euros.

GEFA Bank is a German specialist bank focused on equipment and vehicle financing for businesses and corporate customers. Part of the Crédit Agricole group - France’s second-largest financial provider - GEFA offers leasing, installment loans, and financing solutions rather than broad retail deposit products. However, they also offer savings accounts to private consumers.

Deposits at GEFA Bank are secured through European Union regulation and the national deposit guarantee scheme of Germany.

Read more in our detailed review about GEFA Bank GEFA TagesGeld

Nordax Bank offers the flexible savings account "Tagesgeld - raisin" with annually interest payouts. The regular interest rate is 1.82%. You must maintain a balance of at least 2,000 euros and at most 85,000 euros.

Nordax Bank is a specialist online bank headquartered in Stockholm, Sweden, focusing primarily on consumer savings and lending products across the Nordic region. Founded in 2003, the bank has grown into one of Sweden’s established niche financial institutions, serving customers in Sweden, Norway, Finland, and Germany. Nordax Bank is supervised by the Swedish Financial Supervisory Authority (Finansinspektionen) and operates under strict Nordic regulatory standards. Their savings products are generally distributed in Germany through digital platforms such as Raisin, making them accessible to depositors from various EU countries.

Deposits at Nordax Bank are secured through European Union regulation and the national deposit guarantee scheme of Sweden.

Read more in our detailed review about Nordax Bank Tagesgeld - raisin