norisbank Flexible Savings Account: Top-Zinskonto Review 2026
In a nutshell:
- The “Top-Zinskonto” is a flexible savings account offered by norisbank.
- It pays a top interest rate of 0.75% annually.
- Savings are protected under the national deposit insurance scheme of Germany.
Find all the details about the norisbank Tagesgeld in our frequently asked questions below.
How much interest does the norisbank Top-Zinskonto pay?
norisbank offers the flexible savings account "Top-Zinskonto" with quarterly interest payouts. The regular interest rate is 0.75%.
In comparison, the best high-yield savings accounts for Tagesgeld are currenty offered by Consorsbank (3.4%) and Santander (3.3%).
Figure out in a few seconds how much return you can earn with your flexible savings account by norisbank by entering your savings amount and duration in our interest calculator:
norisbank
Top-Zinskonto
0.75%
annual percentage yield
Who is behind norisbank?
norisbank was founded in Nuremberg, Germany, in 1965. It is a full subsidiary of, and therefore financially backed by, Germany’s largest private bank and one of Europe’s major banks, Deutsche Bank.
In contrast to Deutsche Bank, norisbank is a pure online bank. The bank offers services such as current accounts, savings and investment accounts, credits, loans, and insurance. Clients can take advantage of Deutsche Bank’s dense branch network for some services (e.g., cash deposits).
How safe is my money with norisbank?
Deposits with norisbank are protected through Germany’s statutory deposit insurance scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per depositor and institution. This is based on EU deposit-guarantee rules. Germany’s sovereign credit rating is at the top (AAA).
In addition to the statutory guarantee, norisbank participates in the voluntary deposit protection fund of the Association of German Banks (Bundesverband deutscher Banken e.V.), extending coverage above the statutory limits.
See all Tagesgeld options
Check our complete list of deposits and quickly calculate your possible return.
How can I manage the Top-Zinskonto account?
norisbank provides advanced infrastructure for internet and mobile banking for the ““. The online banking interface in your web browser includes all the functions you need to fully manage your account. Furthermore, there is a mobile app that includes the following useful features: transaction overview, balance checks, bank transfers, mobile payments (Apple Pay, Google Pay), online postbox (i.e., bank statements, bank documents), and more.
The mobile app for norisbank bank is available in English and German. Customer service (24/7 landline phone number) and the entire web interface are available exclusively in German.
How can I open the norisbank Top-Zinskonto?
To open a norisbank , you have to also open the current account “Kostenloses Girokonto”. Both accounts are opened together in one process.
The opening process is entirely digital: You fill out the online application by entering all your personal data. To complete the process, applicants need to verify their identity. This can be done during a video call (OnlineIdent) or in person at a post office branch (PostIdent). Both options require a valid ID or passport. Accounts can only be opened with a German residence and address.
There are special options for minors that allow them to open an account with the support of their parent or guardian.
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