DKB Flexible Savings Account: Tagesgeld Review 2026
In a nutshell:
- The “Tagesgeld” is a flexible savings account offered by DKB.
- It pays a top interest rate of 2% annually.
- Savings are protected under the national deposit insurance scheme of Germany.
Please note that to open a savings account with DKB, you must first open a free current account with them. If you are already a customer, you can open a DKB Tagesgeld account through online banking.
Find all the details below in our frequently asked questions, or enter your savings amount and duration in our interest calculator below to easily figure out in a few seconds how much return you can earn with your flexible savings account by DKB.
DKB
Tagesgeld
2.00%
annual percentage yield
How much interest does the DKB Tagesgeld pay?
DKB offers the flexible savings account "Tagesgeld" with quarterly interest payouts. The promotional interest rate of 2% is valid for 4 months. This interest is applicable for account balances of at most 50,000 euros. The regular interest rate is 1%.
Who is behind DKB?
DKB (Deutsche Kreditbank AG) is probably the most established online bank in Germany, with its headquarters in Berlin and a founding date of 1990. It is backed by the State Bank of Bavaria (BayernLB) and is known for offering one of the most popular German current accounts. Moreover, DKB provides a comprehensive range of retail banking and investment products, including savings and deposit accounts, credit and lending solutions, and securities services. It serves both private and business customers across Germany.
How safe is my money with DKB?
Deposits with DKB are protected under Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to the statutory limit of 100,000 euros per depositor and institution under EU law. Germany’s sovereign credit rating remains at the top (AAA across major agencies), supporting confidence in the country’s financial system and regulatory environment.
In addition to this mandatory protection, DKB participates in the voluntary deposit protection fund of the Association of German Banks (Bankenverband), which extends coverage well above the statutory minimum.
How can I manage the Tagesgeld account?
The Tagesgeld at DKB is managed through the bank’s online banking portal and mobile app (available for iOS and Android), where you can view balances, transfer funds between accounts, manage account security, and more. All interfaces are exclusively available in German. Customer support for the DKB flexible savings account is accessible via an AI chat agent, phone, and contact form.
How can I open the DKB Tagesgeld?
To open the Tagesgeld with DKB, you can apply directly online via the DKB website. Having a DKB current account (Girokonto) is a prerequisite for using any of their other financial products. Applicants must generally be at least 18 years old, but there are special options for minors available (u18).
If you are a non-resident of Germany, you can also open a current account using a Foreign address. Citizens of other countries require an official address in Germany, Austria, or Switzerland.
For people with German nationality, accounts can be opened in any country of residence (except sanctioned countries such as Iran or North Korea). People with other nationalities can open an account only in an official residence in Germany, Austria, or Switzerland.
The application requires personal information and identity verification, which is completed online via VideoIdent or in person at a post office branch (PostIdent).
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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