Time Deposit Accounts

Compare Time Deposit Accounts in Austria

Updated on 13 July 2020

16 offers from 13 banks
Interest Rates: 0.06 - 0.90 % p.a.
Deposit Terms: 3 - 120 months
 DenizBank
ATAustria
Rating
 (4.0)
Currency
EUR
Interest Rate (p.a.)
0.10 - 0.90 %
Deposit Term
3 - 120 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.90 %
Min. Deposit Term
3 months
Max. Deposit Term
120 months
Time Deposit Account Provider
 (4.0)

DenizBank AG was founded in Austria in 1996 as a universal bank: the bank offers a range of products and services in retail and corporate banking. DenizBank AS (Turkey) is the parent company of DenizBank AG (Austria). Since 28 September 2012, DenizBank operates under the umbrella of Sberbank (Russia).

 VakifBank
ATAustria
Rating
 (5.0)
Currency
EUR
Interest Rate (p.a.)
0.10 - 0.85 %
Deposit Term
3 - 120 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.85 %
Min. Deposit Term
3 months
Max. Deposit Term
120 months
Time Deposit Account Provider
 (5.0)

Established in 1999, VakıfBank International AG is a subsidiary of Turkiye Vakiflar Bankasi TAO which controls 90% of Vakif Bank International shares capital. The rest 10% are owned by the pension fund of Türkiye Bankasi TAO Vakiflar, Ankara.

Vakif Bank International AG offers a broad range of traditional banking services such as current accounts and savings accounts, corporate and retail loans and transfer of funds. Vakif Bank offers a special service - rapid and cost-effective payment transfers from Austria to Turkey.

 Denzel Bank
ATAustria
Rating
 (2.7)
Currency
EUR
Interest Rate (p.a.)
0.40 - 0.90 %
Deposit Term
6 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.40 %
Max. Interest Rate (p.a.)
0.90 %
Min. Deposit Term
6 months
Max. Deposit Term
60 months
Time Deposit Account Provider
 (2.7)

Bankhaus Denzel Aktiengesellschaft was founded in 1991 and is a part of the Denzel Group, the largest multi-brand car dealer network in Austria. The initial core business of Denzel Bank was financing for car dealers. Now Denzel Bank offers consumer loans for new and used vehicles and deposit products.

 Euram Bank
ATAustria
Rating
 (3.0)
Currency
EUR
Interest Rate (p.a.)
0.30 - 0.50 %
Deposit Term
6 - 24 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.30 %
Max. Interest Rate (p.a.)
0.50 %
Min. Deposit Term
6 months
Max. Deposit Term
24 months
Time Deposit Account Provider
 (3.0)

Established in 1999, European American Investment Bank AG (Euram Bank) is an Austrian private bank offering private banking, wealth management and investment banking services to wealthy international and domestic private clients, families, private companies and financial institutions. In addition Euram Bank offers a full range of banking and investment banking expertise from investment consulting and asset management, to structuring and operating family offices and competent advice in special financing.

 Euram Bank
CHSwitzerland
Rating
 (3.0)
Currency
EUR
Interest Rate (p.a.)
0.30 - 0.50 %
Deposit Term
6 - 24 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.30 %
Max. Interest Rate (p.a.)
0.50 %
Min. Deposit Term
6 months
Max. Deposit Term
24 months
Time Deposit Account Provider
 (3.0)

Established in 1999, European American Investment Bank AG (Euram Bank) is an Austrian private bank offering private banking, wealth management and investment banking services to wealthy international and domestic private clients, families, private companies and financial institutions. In addition Euram Bank offers a full range of banking and investment banking expertise from investment consulting and asset management, to structuring and operating family offices and competent advice in special financing.

 Addiko Bank
DEGermany
Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.50 - 0.65 %
Deposit Term
6 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.50 %
Max. Interest Rate (p.a.)
0.65 %
Min. Deposit Term
6 months
Max. Deposit Term
60 months
Time Deposit Account Provider

Addiko Bank was established in 2015, when Advent International and the European Bank for Reconstruction and Development acquired Hypo Alpe Adria with its Southeast Europe banking network from Heta Asset Resolution. Addiko Bank repositioned itself as a specialist consumer and SME banking group with a focus on growing its consumer business and SME lending activities as well as payment services, offering unsecured personal loan products for consumers and working capital loans for its SME customers funded largely by retail deposits. Addiko Bank’s mortgage business, public lending and large corporate lending portfolios are gradually reduced over time, thereby providing liquidity and capital for the gradual growth in its consumer business and SME lending.

Rating
 (5.0)
Currency
EUR
Interest Rate (p.a.)
0.56 - 0.70 %
Deposit Term
6 - 24 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.56 %
Max. Interest Rate (p.a.)
0.70 %
Min. Deposit Term
6 months
Max. Deposit Term
24 months
Time Deposit Account Provider
 (5.0)

Established in 1808, is the largest bank in Brasil. Banco do Brasil operates as a universal bank on its domestic market while providing selected operations internationally. International offices of Banco de Brasil generally serve large corporations and Brasilian residents.

Rating
 (5.0)
Currency
EUR
Interest Rate (p.a.)
0.45 - 0.75 %
Deposit Term
6 - 48 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.45 %
Max. Interest Rate (p.a.)
0.75 %
Min. Deposit Term
6 months
Max. Deposit Term
48 months
Time Deposit Account Provider
 (5.0)

Wiener Privatbank is an Austrian private bank providing products and services in the areas of private banking, asset management, fund management, financing, brokerage and research as well as real estate investment to domestic and international customers (families, private investors, institutions and foundations).

 Euram Bank
EUEuropean Union
Rating
 (3.0)
Currency
EUR
Interest Rate (p.a.)
0.30 - 0.50 %
Deposit Term
6 - 24 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.30 %
Max. Interest Rate (p.a.)
0.50 %
Min. Deposit Term
6 months
Max. Deposit Term
24 months
Time Deposit Account Provider
 (3.0)

Established in 1999, European American Investment Bank AG (Euram Bank) is an Austrian private bank offering private banking, wealth management and investment banking services to wealthy international and domestic private clients, families, private companies and financial institutions. In addition Euram Bank offers a full range of banking and investment banking expertise from investment consulting and asset management, to structuring and operating family offices and competent advice in special financing.

Rating
 (4.3)
Currency
EUR
Interest Rate (p.a.)
0.10 - 0.35 %
Deposit Term
6 - 36 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.35 %
Min. Deposit Term
6 months
Max. Deposit Term
36 months
Time Deposit Account Provider
 (4.3)

The roots of Austrian Anadi Bank trace back to 1896. The bank's core businesses have always been financing of public institutions or housing and mortgage bonds. In addition, the Austrian Anadi Bank offers a wide range of universal banking services for private and corporate customers.

Since 2013 Austrian Anadi Bank is owned by the British-Indian businessman Dr. Sanjeev Kanoria. In 2015, the bank had approximately 10% of total market share in the region of Carinthia (Kärntner).

Rating
 (3.0)
Currency
EUR
Interest Rate (p.a.)
0.30 - 0.51 %
Deposit Term
6 - 24 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.30 %
Max. Interest Rate (p.a.)
0.51 %
Min. Deposit Term
6 months
Max. Deposit Term
24 months
Time Deposit Account Provider
 (3.0)

Established in 1999, European American Investment Bank AG (Euram Bank) is an Austrian private bank offering private banking, wealth management and investment banking services to wealthy international and domestic private clients, families, private companies and financial institutions. In addition Euram Bank offers a full range of banking and investment banking expertise from investment consulting and asset management, to structuring and operating family offices and competent advice in special financing.

Rating
 (2.6)
Currency
EUR
Interest Rate (p.a.)
0.60 - 0.80 %
Deposit Term
12 - 36 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.60 %
Max. Interest Rate (p.a.)
0.80 %
Min. Deposit Term
12 months
Max. Deposit Term
36 months
Time Deposit Account Provider
 (2.6)

Founded in 1974 RCI Banque (formerly Renault Crédit International Banque) is an international automotive financial services company. RCI Banque offers credit, leasing, insurance for Renault group brands. RCI Banque SA, Niederlassung Österreich operates as a subsidiary of RCI Banque (France).

 bankdirekt
ATAustria
Rating
n/a
Currency
EUR
Interest Rate (p.a.)
0.13 - 0.15 %
Deposit Term
12 - 24 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.13 %
Max. Interest Rate (p.a.)
0.15 %
Min. Deposit Term
12 months
Max. Deposit Term
24 months
Time Deposit Account Provider

Since September 2015 bankdirect.at operates as a business unit of Raiffeisenlandesbank Oberösterreich and provides direct bank access to products and services offered by Raiffeisenlandesbank Oberösterreich. bankdirect.at offers a wide range of savings and lending products and brokerage services.

 AutoBank
ATAustria
Rating
 (2.8)
Currency
EUR
Interest Rate (p.a.)
0.10 - 0.30 %
Deposit Term
12 - 48 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.30 %
Min. Deposit Term
12 months
Max. Deposit Term
48 months
Time Deposit Account Provider
 (2.8)

Autobank AG is one of the leading banks for car loans in Austria and Germany. The bank specializes in motor vehicle leasing and financing solutions. Autobank's product portfolio also includes vehicle trade, factoring and fleet management as well as savings and term deposit accounts.

Rating
 (3.6)
Currency
EUR
Interest Rate (p.a.)
0.10 %
Deposit Term
12 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.10 %
Max. Interest Rate (p.a.)
0.10 %
Min. Deposit Term
12 months
Max. Deposit Term
12 months
Time Deposit Account Provider
 (3.6)

Generali Bank, founded in 2002, is a member of Generali Group, one of the largest insurers in Austria. Generali Bank offers a comprehensive and demand-oriented product range from current and savings accounts, payments to investments in securities. Generali Bank has no proprietary, costly branch network. Certain products such as savings accounts can be quickly and easily obtained online.

 LiveBANK
ATAustria
Rating
 (3.0)
Currency
EUR
Interest Rate (p.a.)
0.06 - 0.20 %
Deposit Term
12 - 60 months
Time Deposit Account Details
Account Currency
EUR
Min. Interest Rate (p.a.)
0.06 %
Max. Interest Rate (p.a.)
0.20 %
Min. Deposit Term
12 months
Max. Deposit Term
60 months
Time Deposit Account Provider
 (3.0)

Established in 2001, VOLKSBANK WIEN AG operates as a regional universal bank, offering a broad range of retail banking products and services to private individuals and companies. Since July 2015, VOLKSBANK WIEN AG offers its retail banking products and services online via its registered trademark, LiveBank.

ATAustria: This product is offered to Austrian residents only. When clicking on the product link you will be redirected to the product page in German.
CHSwitzerland: This product is offered to Swiss residents only. When clicking on the product link you will be redirected to the product page in German, French or Italian.
DEGermany: This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.
EUEuropean Union: This product is offered to the residents of the European Union.
ESSpain: This product is offered to Spanish residents only. When clicking on the product link you will be redirected to the product page in Spanish.

Time deposits accounts are interest-bearing deposit accounts offering higher interest rates than savings accounts. However the money deposited to such account cannot be withdrawn for a specified period of time (term).

The table above shows essential details of selected time deposit products offered to retail customers by the banks in Austria: currency, interest rate per annum and deposit term. The time deposit accounts terms vary from 3 month to 10 years (120 months). The interest rates are within the range 0.06 - 0.90 %. The interest rates provided in the table do not take into account withholding tax levied on interest income in Austria.

Average Deposit Rates. In March 2020, average annual deposit interest rate in local currency (Euro) of new contracts with fixed term up to 1 year between credit institutions and retail customers (households) was 0.10 %.

Country Deposit Rating. Austria's Moodys country ceiling (the highest rating that can be assigned) for deposits in local currency is set to Aaa (prime).

Deposit Guarantee. Time deposit accounts made with credit institutions in Austria are covered by deposit guarantee scheme up to 100,000 EUR per depositor.

Withholding Tax. Interest income gained on time deposit accounts by non-residents of Austria is not taxed. Interest gained on time deposit accounts by residents of Austria is taxed at 25.00% rate. When the interest is paid, this tax is automatically withhold from the time deposit account by the bank.

Other Banking Products in Austria

See Also