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Opel Direktbank Tagesgeld for Expats in Germany

The Tagesgeldkonto by Opel Direktbank offers a top interest rate of 3.95%, and is available to eligible residents in Germany.

Written by Christian - German Expat Banking & Connectivity Expert
Last update: September 22, 2026Last data check: October 2, 2026

Opel Direktbank Tagesgeld at a Glance

Account type	Tagesgeld / flexible savings
Promotional rate	3.95% for 3 months
Balance for promotional rate	Unlimited
Ongoing rate	1.35%
Interest Payout	Monthly
Balance for regular interest	Unlimited
Deposit protection	France (up to €100,000 per customer)

Open Opel Direktbank Tagesgeld

How Much Interest Can You Earn with the Opel Direktbank Tagesgeld?

Enter your savings amount and planned savings period to estimate how much interest you could earn with this account:

Opel Direktbank
Tagesgeld

€ 198.15
est. interest

3.96%

annual percentage yield

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How we keep this information accurate

How Can I Manage the Opel Direktbank Tagesgeld?

You manage the Tagesgeld via the Opel Direktbank online banking. You can view balances, make transfers to/from your linked reference account, receive digital statements, and handle account settings. Support is available via contact form, e-mail, or telephone. The web interface is entirely in German. You also need the "SecureGo+" application to securely confirm transactions. However, there is no dedicated mobile banking app for account management.

How Can I Open the Opel Direktbank Tagesgeld?

To open the Tagesgeld, you need to apply online through the Opel Direktbank website. It is essential to have a German reference current account with a German IBAN for payouts, as well as a German residence and postal address. Applicants must be at least 18 years old; however, parents or guardians can open an account for minors. Additionally, you will need a German mobile number and a smartphone to use the application, which generates secure transaction codes (TANs).

Once you complete the online application process, print and sign the physical opening documents and send them to Opel Direktbank. For identity verification, you can visit a post office branch and use the PostIdent method. After completing your registration, you will receive the final verification PIN code by post.

Good to Know

Not sure if this account is right for you? Compare current Tagesgeld rates and estimated returns across available accounts in Germany.

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About Opel Direktbank
Opel Direktbank offers flexible savings and fixed-term deposit accounts with online account opening and management.
Opel Bank was part of the corresponding automotive group. Since 2024, following the merger with Stellantis, the activities of Opel Bank and PSA Bank have been consolidated into Stellantis Bank SA. The two banks' deposit business is now marketed under the Stellantis Direktbank and Opel Direktbank brands.
Opel Direktbank Deposit Protection
Customer deposits at Opel Direktbank are protected by the statutory deposit insurance scheme established under EU and French law. As the EU's second-largest economy, France has an A+ credit rating. The scheme guarantees coverage of up to 100,000 euros per bank and per depositor. Please note that Opel Direktbank is affiliated with Stellantis Direktbank. Therefore, the insurance limit applies to your total combined deposits at both Stellantis and Opel

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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.