Countries / 🇩🇪 Germany / 12-month

Best 12-month Festgeld rates in Germany

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, 03:42 UTC.

6-month All tenures and amounts

Bank	Rate p.a.	Tenure	Deposit	Details	Link
Deutsche BankFestzinsSparen	3.00%≈ €300 in 12 months	12 months	€2,500 – €250,000	PromoFresh funds New money only: not previously held at Deutsche Bank, Postbank or norisbank; Private assets only; EUR 2,500 to EUR 250,000	Go to bank
CommerzbankOnline-Festgeld (EUR)	2.75%≈ €275 in 12 months	12 months	€1,000 – €5,000,000	Board rate Via Online; EUR 1,000 to EUR 5,000,000; Other terms only in linked PDF (headline: up to 3,10% depending on term)	Go to bank
ConsorsbankFestgeld	2.50%≈ €250 in 12 months	12 months	Not stated	Board rate Minimum deposit not shown on the page	Go to bank
comdirectFestgeld	1.70%≈ €170 in 12 months	12 months	€500 – €100,000	Board rate EUR 500 to EUR 100,000; Fixed rate for the whole term	Go to bank

Different amount, priority tiers or fresh-funds filter? Open the full comparison.

Deposit protection: Entschädigungseinrichtung deutscher Banken (EdB), statutory deposit guarantee for private banks

Limit€100,000

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.

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.