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Compare Time Deposit Accounts in Germany

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 However the money deposited to such account cannot be withdrawn for a specified period of time (term).

Last updated 24 April 2017

The table below shows essential details of selected time deposit products offered to retail customers by the banks in Germany: currency, interest rate per annum and deposit term. The time deposit accounts terms vary from 1 month to 10 years (120 months).The interest rates are within the range 0.00 - 1.70 %. The interest rates provided in the table do not take into account withholding tax levied on interest income in Germany.

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

In Feb 2017, 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 0.31 %.

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

BankRegionAccount CurrencyInterest Rate (p.a.)Deposit Term (months)
 IKB Deutsche Industriebank
DE
EUR0.20 %1Open Account
 comdirect bank
DE
EUR0.01 %1Open Account
 netbank
DE
EUR0.01 %1Open Account
 TARGOBANK
DE
EUR0.00 %1Open Account
 CreditPlus Bank
DE
EUR0.45 %3Open Account
 Greensill Bank
DE
EUR0.30 %3Open Account
 IKB Deutsche Industriebank
DE
EUR0.20 %3Open Account
 Mercedes-Benz Bank
DE
EUR0.15 %3Open Account
 netbank
DE
EUR0.01 %3Open Account
 comdirect bank
DE
EUR0.01 %3Open Account
 TARGOBANK
DE
EUR0.00 %3Open Account
 CreditPlus Bank
DE
EUR0.50 %6Open Account
 Greensill Bank
DE
EUR0.40 %6Open Account
 pbb direkt
DE
EUR0.35 %6Open Account
 IKB Deutsche Industriebank
DE
EUR0.20 %6Open Account
 Mercedes-Benz Bank
DE
EUR0.15 %6Open Account
 SWK Bank
DE
EUR0.10 %6Open Account
 Deutsche Handelsbank
DE
EUR0.10 %6Open Account
 netbank
DE
EUR0.01 %6Open Account
 TARGOBANK
DE
EUR0.00 %6Open Account
 CreditPlus Bank
DE
EUR0.55 %9Open Account
 IKB Deutsche Industriebank
DE
EUR0.20 %9Open Account
 Mercedes-Benz Bank
DE
EUR0.15 %9Open Account
 North Channel Bank
DE
EUR0.55 %12Open Account
 CreditPlus Bank
DE
EUR0.55 %12Open Account
 Greensill Bank
DE
EUR0.50 %12Open Account
 pbb direkt
DE
EUR0.45 %12Open Account
 solarisBank
DE
EUR0.41 %12Open Account
 IKB Deutsche Industriebank
DE
EUR0.40 %12Open Account
 SWK Bank
DE
EUR0.40 %12Open Account
 Hanseatic Bank
DE
EUR0.40 %12Open Account
 Credit Europe Bank
DE
EUR0.30 %12Open Account
 Mercedes-Benz Bank
DE
EUR0.30 %12Open Account
 Deutsche Handelsbank
DE
EUR0.20 %12Open Account
 norisbank
DE
EUR0.20 %12Open Account
 TARGOBANK
DE
EUR0.20 %12Open Account
 netbank
DE
EUR0.05 %12Open Account
 pbb direkt
DE
EUR0.75 %24Open Account
 North Channel Bank
DE
EUR0.75 %24Open Account
 IKB Deutsche Industriebank
DE
EUR0.65 %24Open Account
 CreditPlus Bank
DE
EUR0.60 %24Open Account
 Hanseatic Bank
DE
EUR0.60 %24Open Account
 Greensill Bank
DE
EUR0.55 %24Open Account
 solarisBank
DE
EUR0.51 %24Open Account
 SWK Bank
DE
EUR0.50 %24Open Account
 Credit Europe Bank
DE
EUR0.50 %24Open Account
 Mercedes-Benz Bank
DE
EUR0.50 %24Open Account
 TARGOBANK
DE
EUR0.40 %24Open Account
 GEFA Bank
DE
EUR0.25 %24Open Account
 Deutsche Handelsbank
DE
EUR0.20 %24Open Account
 norisbank
DE
EUR0.10 %24Open Account
 North Channel Bank
DE
EUR0.95 %36Open Account
 pbb direkt
DE
EUR0.90 %36Open Account
 IKB Deutsche Industriebank
DE
EUR0.80 %36Open Account
 Hanseatic Bank
DE
EUR0.70 %36Open Account
 CreditPlus Bank
DE
EUR0.70 %36Open Account
 solarisBank
DE
EUR0.61 %36Open Account
 SWK Bank
DE
EUR0.60 %36Open Account
 Credit Europe Bank
DE
EUR0.60 %36Open Account
 Greensill Bank
DE
EUR0.60 %36Open Account
 TARGOBANK
DE
EUR0.60 %36Open Account
 Mercedes-Benz Bank
DE
EUR0.60 %36Open Account
 GEFA Bank
DE
EUR0.35 %36Open Account
 GEFA Bank
DE
EUR0.32 %36Open Account
 Deutsche Handelsbank
DE
EUR0.30 %36Open Account
 norisbank
DE
EUR0.10 %36Open Account
 North Channel Bank
DE
EUR1.10 %48Open Account
 Hanseatic Bank
DE
EUR1.00 %48Open Account
 IKB Deutsche Industriebank
DE
EUR0.90 %48Open Account
 CreditPlus Bank
DE
EUR0.80 %48Open Account
 TARGOBANK
DE
EUR0.75 %48Open Account
 solarisBank
DE
EUR0.71 %48Open Account
 SWK Bank
DE
EUR0.70 %48Open Account
 Credit Europe Bank
DE
EUR0.70 %48Open Account
 Greensill Bank
DE
EUR0.65 %48Open Account
 Mercedes-Benz Bank
DE
EUR0.60 %48Open Account
 GEFA Bank
DE
EUR0.50 %48Open Account
 Deutsche Handelsbank
DE
EUR0.30 %48Open Account
 norisbank
DE
EUR0.10 %48Open Account
 North Channel Bank
DE
EUR1.20 %60Open Account
 pbb direkt
DE
EUR1.20 %60Open Account
 IKB Deutsche Industriebank
DE
EUR1.10 %60Open Account
 TARGOBANK
DE
EUR1.10 %60Open Account
 Hanseatic Bank
DE
EUR1.10 %60Open Account
 CreditPlus Bank
DE
EUR0.90 %60Open Account
 solarisBank
DE
EUR0.81 %60Open Account
 SWK Bank
DE
EUR0.80 %60Open Account
 Credit Europe Bank
DE
EUR0.80 %60Open Account
 Greensill Bank
DE
EUR0.70 %60Open Account
 Mercedes-Benz Bank
DE
EUR0.70 %60Open Account
 North Channel Bank
DE
EUR1.30 %72Open Account
 TARGOBANK
DE
EUR1.25 %72Open Account
 Hanseatic Bank
DE
EUR1.20 %72Open Account
 CreditPlus Bank
DE
EUR1.00 %72Open Account
 SWK Bank
DE
EUR0.90 %72Open Account
 GEFA Bank
DE
EUR0.70 %72Open Account
 Mercedes-Benz Bank
DE
EUR0.70 %72Open Account
 North Channel Bank
DE
EUR1.45 %84Open Account
 IKB Deutsche Industriebank
DE
EUR1.30 %84Open Account
 CreditPlus Bank
DE
EUR1.10 %84Open Account
 Credit Europe Bank
DE
EUR1.00 %84Open Account
 North Channel Bank
DE
EUR1.70 %120Open Account
 pbb direkt
DE
EUR1.60 %120Open Account
 IKB Deutsche Industriebank
DE
EUR1.50 %120Open Account
 Credit Europe Bank
DE
EUR1.20 %120Open Account
 comdirect bank
DE
EUR0.75 %120Open Account
 

DE
 This product is offered to German residents only. When clicking on the product link you will be redirected to the product page in German.