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Negara / 🇩🇪 Germany
Best Festgeld rates in Germany
EUR Festgeld rates from 5 providers, read directly from each bank's website every day, plus 3 more providers to check. Sorted by rate; no paid rankings.
Last checked 18 Oct 2026, 05:37 UTC · all 8 providers · Tagesgeld
Best 3-month rate
No verified offer today
Best 6-month rate
1.60% p.a.
Consorsbank
Board rate
Best 12-month rate
3.00% p.a.
Deutsche Bank
Promo · min €2,500 · fresh funds
Best rate for a €10,000 deposit, open to any customer. Promotions can end early; confirm with the bank.
Bandingkan kadar Festgeld
4 bank dengan kadar 12‑bulan untuk €10,000
| Bank | Rate p.a. | Tenure | Deposit | Details | Link |
|---|---|---|---|---|---|
| Deutsche BankFestzinsSparen | 3.00%≈ €300 in 12 months | 12 months | €2,500 – €250,000 | PromoFresh funds | Go to bank |
| CommerzbankOnline-Festgeld (EUR) | 2.75%≈ €275 in 12 months | 12 months | €1,000 – €5,000,000 | Board rate | Go to bank |
| ConsorsbankFestgeld | 2.50%≈ €250 in 12 months | 12 months | Not stated | Board rate | Go to bank |
| comdirectFestgeld | 1.70%≈ €170 in 12 months | 12 months | €500 – €100,000 | Board rate | Go to bank |
"Fresh funds" means money brought in from another bank. Board rates are standing rates; promos are time-limited. How we collect and check rates.
How is this list ordered?
By rate, highest first, for the amount and term you chose. Where a bank publishes its own blended effective rate we use that. Each bank appears once with its best matching offer unless you tick "Show every rate". Banks cannot pay to change the order.
Plan your deposit
Best rate by term
Best rate open to any customer for €10,000 at each term, from today's verified offers. Hover a point for the bank.
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Official benchmarks
Source: ecb.europa.eu. Shown as a reference point, not a recommendation.
Deposit protection: Entschädigungseinrichtung deutscher Banken (EdB), statutory deposit guarantee for private banks
Deposits are protected by law up to EUR 100,000 per customer and per bank (in special cases up to EUR 500,000); the EdB compensates customers of private banks once BaFin has declared a compensation case. Savings banks and cooperative banks are covered by their own recognised institutional protection schemes instead, and many private banks additionally belong to the voluntary BdB Einlagensicherungsfonds. Source, checked 2026-10-18.
More Festgeld providers in Germany
We list these providers but do not read their rates automatically yet, so we never show a number for them. Check the rate on the bank's own page. Know a bank we should read? Suggest it.
Questions about deposits in Germany
What is the best 12-month Festgeld rate in Germany today?
3.00% p.a. at Deutsche Bank (minimum deposit: €2,500), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.
What is the best 6-month Festgeld rate in Germany today?
1.60% p.a. at Consorsbank (minimum deposit: Not stated), read from the bank's website at 18 Oct 2026, 05:37 UTC. Promotions change often, so confirm with the bank before you deposit.
Are Festgelds in Germany protected?
Deposits are protected by law up to EUR 100,000 per customer and per bank (in special cases up to EUR 500,000); the EdB compensates customers of private banks once BaFin has declared a compensation case. Savings banks and cooperative banks are covered by their own recognised institutional protection schemes instead, and many private banks additionally belong to the voluntary BdB Einlagensicherungsfonds.
How many banks do you compare in Germany?
We list 8 providers. Rates for 5 of them are read automatically from their own websites every day; for the rest we link to the bank's official rate page and never show a number we have not read.
How do Festgeld rates compare with the ECB deposit facility rate?
The ECB deposit facility rate is 2.50% (2026-10-18). The best 12-month Festgeld rate open to any customer today is 3.00%.
Deposit rates in nearby countries
🇹🇷 Turkey🇬🇧 United Kingdom🇫🇷 France🇮🇹 Italy🇪🇸 Spain🇵🇱 Poland🇳🇱 Netherlands🇧🇪 Belgium
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We're a comparison service, not a bank: we don't take deposits. Rates change without notice; verify with the bank before you deposit. Not financial advice.