German Banks Deutsche Bank and Postbank Introduce Fixed-Interest Action: Securing Interest Rates for Savers Now Possible
In the current economic climate, finding the best returns for your savings is essential. One avenue to explore is fixed-term deposits, and BÖRSE ONLINE offers a comparison of high fixed-term deposit interest rates.
The Current Landscape
Recently, the European Central Bank (ECB) reduced interest rates, causing a rapid decline in conditions for daily and fixed-term deposits in the Eurozone. As of July 2025, the main ECB deposit rate in the Eurozone is steady at 2.15%, reflecting a cautious monetary stance amid inflation and trade uncertainties.
However, retail fixed deposit rates in stronger banking centers like Luxembourg remain below this benchmark. For deposits with maturities up to 1 year, representative household fixed-term deposit rates have been around 1.71% in Luxembourg as of May 2025. Longer fixed deposits (over 5 to 10 years) in Luxembourg have initial fixed rates of up to about 3.48%, indicating better yields for extended terms.
In contrast, commercial banks in Germany, such as Postbank, typically offer fixed-term deposit rates aligned near or somewhat below the ECB rates, but promotional rates can temporarily be higher.
Postbank’s New Promotion
German Bank and Postbank have launched a new fixed-term deposit promotion. While the exact promotional fixed-term deposit rates from Postbank or similar German banks are not detailed in the search results, promotions often attempt to offer rates at or slightly above the ECB deposit rate to attract customers, potentially matching or exceeding 2.15%.
Here's a summary table to help you compare the approximate deposit interest rates for various institutions and regions:
| Institution/Region | Term | Deposit Interest Rate (Approx.) | Notes | |-----------------------------|---------------------------|-------------------------------|------------------------------------------| | Eurozone ECB Deposit Rate | Main deposit rate | 2.15% | ECB benchmark rate | | Luxembourg Banks | ≤1 year fixed deposit | 1.71% (May 2025) | Retail household deposits | | Luxembourg Banks | 5-10 year fixed | 3.48% | Longer maturities get higher yields | | Germany (Legal Basic Rate) | Reference rate | 1.27% (from July 2025) | Legal default interest rate, not commercial deposits | | Postbank (Germany) | Promotional fixed deposits | Typically near or slightly above 2.15% | Exact current promotion rate unavailable in results |
In conclusion, the highest fixed-term deposit rates in the Eurozone currently are around 3.48% for long maturities, but standard shorter-term rates remain near or below the ECB rate of 2.15%. German banks' promotions like Postbank’s would likely aim to meet or slightly exceed the ECB rate to remain competitive. For precise Postbank rates, checking their current official offers directly would be necessary.
[1] ECB (2025). Monetary policy decisions and press conference. Retrieved from https://www.ecb.europa.eu/press/pressconf/2025/html/ecb.sp250701_1.en.html [2] Federal Ministry of Finance (2025). Basic legal interest rate cut to 1.27%. Retrieved from https://www.bundesfinanzministerium.de/Content/DE/Standardartikel/Artikel/2025/07/01/Grundzinssatz-gesenkt-auf-1-27.html [3] BÖRSE ONLINE (2025). Fixed-term deposit comparison. Retrieved from https://www.boerse-online.de/geldanlage/festgelockertes-geld/vergleich/
In the given text, it's highlighted that German banks, such as Postbank, offer fixed-term deposit rates that can be near or slightly above the ECB deposit rate. This competition within the banking-and-insurance industry and finance sector is crucial for personal-finance seekers, as finding the best returns for savings, specifically in fixed-term deposits, is of great importance in the current economic climate. Given the new promotion by Postbank, it's reasonable to expect their promotional fixed-term deposit rates to meet or slightly exceed the ECB deposit rate (2.15%), making them a notable option in the industry when considering personal-finance options.
