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TARGOBANK Tagesgeld bei Depotwechsel for Expats in Germany

The Tagesgeldkonto by TARGOBANK offers a top interest rate of 2.8%, and is available to eligible residents in Germany.

Written by Christian - German Relocation & Expat Banking Advisor
Last update: August 21, 2026Last data check: August 22, 2026

TARGOBANK Tagesgeld bei Depotwechsel at a Glance

Account type	Tagesgeld / flexible savings
Promotional rate	2.8% for 12 months
Balance for promotional rate	€7000 - unlimited
Ongoing rate	%
Interest Payout	Annually
Balance for regular interest	Unlimited
Deposit protection	Germany (up to €100,000 per customer)

Open TARGOBANK Tagesgeld bei Depotwechsel

How Much Interest Can You Earn with the TARGOBANK Tagesgeld bei Depotwechsel?

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

TARGOBANK
Tagesgeld bei Depotwechsel

€ 140.00
est. interest

[tg_avg_rate autop=”0″ autop= “0”]

annual percentage yield

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How we keep this information accurate

How Can I Manage the TARGOBANK Tagesgeld bei Depotwechsel?

The Tagesgeld bei Depotwechsel at TARGOBANK can be managed through an online banking portal as well as its mobile app (iOS and Android), where you can view balances, make transfers, and manage your TARGOBANK flexible savings account. The multi-language smartphone application supports German and English. Online banking is available in German and English. However, the website and customer support are only available in German.

There is also customer support via telephone, contact form, and in the physical branches. Employees with respective language skills may be available to provide support in English.

How Can I Open the TARGOBANK Tagesgeld bei Depotwechsel?

To open the Tagesgeld bei Depotwechsel with TARGOBANK, you can start the process online via the bank’s website or in the branch. Applicants must be at least 18 years old; however, special account options are available for minors. A German address is required to open an account. Moreover, you need a European current account (SEPA with IBAN) as a reference account linked to your flexible savings account to perform withdrawals.

The online opening process must be finalized through personal identification with ID or passport (depending on nationality) by webcam (VideoIdent), at a post office (PostIdent), or in the TARGOBANK branch.

Good to Know

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

Compare Tagesgeld Accounts

About TARGOBANK
TARGOBANK emerged from the German subsidiary of American Citibank. It still operates under a German banking license but has been part of Crédit Mutuel, a cooperative and France's fifth-largest bank, since 2008.
TARGOBANK is a full-service retail bank headquartered in Düsseldorf, with a network of branches and a strong online presence. TARGOBANK's offerings are designed to serve private individuals and small business owners. This includes a wide range of financial products, such as current accounts, credit and loan products, savings and investment accounts, and retirement solutions. The bank aims to combine personalised service with digital convenience, allowing customers to conduct everyday banking either in-branch or via its online and mobile channels.
TARGOBANK Deposit Protection
Deposits held with TARGOBANK are protected by Germany’s statutory deposit guarantee scheme (Entschädigungseinrichtung deutscher Banken) up to 100,000 euros per client under EU law.
In addition to the statutory protection, TARGOBANK participates in the voluntary deposit protection fund of the Association of German Banks (Bankenverband), which extends coverage above the statutory minimum for eligible depositors. Germany’s sovereign credit rating remains at the highest possible level (AAA), supporting stability and confidence in its banking system.

Open TARGOBANK Tagesgeld bei Depotwechsel

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 applying or opening an account.