Banking giants, Deutsche Bank and Postbank, introduce a new strategy: Savers can now secure their interest rates on fixed-term deposits.
In the financial landscape of mid-2025, German banks offer a variety of fixed-term deposit (Festgeld) interest rates for savers seeking low-risk investment options.
Postbank, part of Deutsche Bank Group, does not prominently advertise a fixed-term deposit rate. Instead, the bank focuses on capital strength and strategic investments. Other German banks, however, provide competitive rates.
TF Bank offers the highest fixed savings account interest rate of about 2.55%, with monthly compound interest. N26 provides a fixed savings account with up to 1.38% interest for terms between 3 to 60 months, albeit offering lower returns compared to some competitors. Commerzbank's Tagesgeldkonto, a flexible savings account, pays a variable annual interest rate of 2% for 12 months on newly transferred money, but without a fixed term commitment.
These rates range roughly from 1.4% to 2.55%, offering moderate returns protected by fixed rates. Variable rate savings accounts, like Commerzbank, can offer competitive but less predictable yields around 2%. For investors seeking higher yields, stock trading or equity investment apps are suggested, but they come with higher risk and volatility.
German fixed deposits provide safety of capital and fixed returns, but they lag behind more dynamic investments in potential growth.
For a term of 72 months, the interest rate is 2.10 percent. For a term of 24 months, it is 2.30 percent. For a term of 6 months, it is 2.50 percent. The interest rates are a reduction from the 3.0 percent new money action that ran from October 18 to November 1.
Terms such as 84 months, 96 months, 36 months, 12 months, 60 months, and 48 months all have their respective interest rates of 2.10 percent. It is important to note that if the notice period is not met, customers will not have access to their money, and the savings interest period will be extended by the first term at the then current interest rate.
The new action offers interest rates of 2.60 percent to 2.10 percent for terms ranging from 6 to 72 months. German Bank and Postbank have launched a new fixed-term deposit action, but Postbank's own offerings are not specifically highlighted.
All deposits up to 100,000 euros are covered by German state deposit protection. The comparison sometimes uses so-called affiliate links to provide free information, and commissions may be received when clicking on these links. The top priority is to provide objective content and inform independently.
There are more attractive interest rates for fixed-term deposits, up to 2.9 percent for a one-year term, under German deposit protection, according to BÖRSE ONLINE comparison. As always, it is essential to research and compare offers from various banks to make informed decisions about one's financial investments.
- Other banks in the industry, such as TF Bank and N26, offer competitive fixed-term deposit interest rates, with TF Bank offering the highest at approximately 2.55%, followed by N26 with up to 1.38% for terms between 3 to 60 months.
- In contrast to these banks, Postbank, part of Deutsche Bank Group, does not prominently advertise a fixed-term deposit rate and instead focuses on capital strength and strategic investments.
