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Best 12-month Festgeld rates in Austria

Best 12-month rate per provider for a €10,000 deposit, open to any customer, read from each bank's website. Last checked 18 Oct 2026, 05:37 UTC.

6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
BAWAGSparBox Fix	1.80%≈ €180 in 12 months	12 months	Not stated	Board rate Fixed rate for the chosen term; requires a SparBox Flex; No early withdrawal before the end of the term; Terms over 60 months (84) are not listed here	Go to bank

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Deposit protection: Einlagensicherung AUSTRIA (ESA)

Limit€100,000

ESA protects deposits held with Austrian private banks, Volksbanks (cooperative banks) and Hypobanks (mortgage banks) up to EUR 100,000, in special cases up to EUR 500,000. Other Austrian sectors' schemes are not described on that page. Source, checked 2026-10-18.

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.