Welcome to Festgeldrategeber – your reliable partner for planned fixed-term deposit investments. If you value financial security, predictable interest rates, and reliable growth, you've come to the right place.
We know that stability is just as important to you as a fair return. That’s why we provide individual advice – tailored to your goals, your desired term, and your personal risk tolerance. Our fixed-term deposit comparison accesses a multitude of reputable banks both domestically and abroad – so you can choose the offer that truly suits you.
Your advantages with Festgeldrategeber:
✅ Fixed interest rates for clear planning security
✅ Comparison of over 250 banks – independent and transparent
✅ No hidden costs
✅ Support from selection to account opening
Now invest in fixed-term deposits smartly – with the security you deserve.
To use Klarna Fixed-Term Deposit+, a Klarna bank account must first be opened. Klarna Fixed-Term Deposit+ is a fixed-term deposit account managed via the Klarna App.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Sweden.
Rating: Highest credit rating / low risk (also long-term).
Taxes: No withholding tax is deducted; taxation (25%, max. 27.99%) is handled in Germany (tax return).
Weltsparen brokers savings products from over 150 banks in Germany and Europe. The deposit insurance depends on the respective country where the bank is located. In the FMH.de comparison, the best offer is always shown based on your entries.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Lithuania.
Rating: Good to satisfactory credit rating / Slightly dependent on the economic situation.
Taxes: In almost all cases, Weltsparen handles the application and provides support for special tax circumstances.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Estonia.
Rating: Good to satisfactory credit rating / Slightly dependent on the economic situation.
Taxes: No withholding tax is deducted; taxation (25%, max. 27.99%) is handled in Germany (tax return).
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in the Czech Republic.
Rating: Very high credit rating / high probability of meeting obligations / somewhat more difficult to assess in the long term.
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in France.
Rating: Very high credit rating / high probability of meeting obligations / somewhat more difficult to assess in the long term.
Taxes: No withholding tax is deducted; taxation (25%, max. 27.99%) is handled in Germany (tax return).
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 billion euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Fixed-term deposits exceeding €250,000 are only possible after prior consultation with the bank. The bank’s published interest rates do not apply in such cases.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
regional bank with a nationwide offer
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, unlimited extended protection.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Opening a call money account is required.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in France.
Rating: Very high credit rating / high probability of meeting obligations / somewhat more difficult to assess in the long term.
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in the Netherlands.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in France.
Rating: Very high credit rating / high probability of meeting obligations / somewhat more difficult to assess in the long term.
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Austria.
Rating: Very high credit rating / high probability of meeting obligations / somewhat more difficult to assess in the long term.
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in France.
Rating: Very high credit rating / high probability of meeting obligations / somewhat more difficult to assess in the long term.
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Spain.
Rating: Satisfactory credit rating / currently stable situation, but increased risk of default in case of general economic problems.
Taxes: No withholding tax is deducted; taxation (25%, max. 27.99%) is handled in Germany (tax return).
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Malta.
Rating: Good to satisfactory credit rating / Slightly dependent on the economic situation.
Taxes: No withholding tax is deducted; taxation (25%, max. 27.99%) is handled in Germany (tax return).
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in the Netherlands.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, extended protection up to 3 million euros.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
regional bank with a nationwide offer
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Germany. Additionally, unlimited extended protection.
Rating: Highest credit rating / low risk (also long-term).
Taxes: The withholding tax (25% to 27.99%) is deducted directly by the bank.
Deposit Insurance: Statutory deposit insurance up to 100,000 euros in Sweden.
Rating: Highest credit rating / low risk (also long-term).
Taxes: No withholding tax is deducted; taxation (25%, max. 27.99%) is handled in Germany (tax return).
Um Klarna Festgeld+ nutzen zu können, muss zunächst ein Klarna Bankkonto eröffnet werden.Klarna Festgeld+ ist ein Festgeldkonto, das über die Klarna App verwaltet wird.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Schweden.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Es wird keine Quellensteuer abgeführt; Versteuerung (25 %, max. 27,99 %) erfolgt in Deutschland (Steuererklärung).
Weltsparen vermittelt Sparprodukte von über 150 Banken aus Deutschland und Europa. Die Einlagensicherung richtet sich nach dem jeweiligen Land, in dem sich die Bank befindet. Im FMH.de-Vergleich wird basierend auf Ihren Eingaben immer das beste Angebot angezeigt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Litauen.
Rating: Gute bis befriedigende Bonität / Geringfügig abhängig von der wirtschaftlichen Lage.
Taxes: Weltsparen übernimmt in fast allen Fällen die Beantraung und Unterstützung bei den steuerlichen Besonderheiten.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Estland.
Rating: Gute bis befriedigende Bonität / Geringfügig abhängig von der wirtschaftlichen Lage.
Taxes: Es wird keine Quellensteuer abgeführt; Versteuerung (25 %, max. 27,99 %) erfolgt in Deutschland (Steuererklärung).
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Tschechien.
Rating: Sehr hohe Bonität / hohe Wahrscheinlichkeit für Erfüllung von Verpflichtungen / langfristig etwas schwerer einschätzbar.
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Frankreich.
Rating: Sehr hohe Bonität / hohe Wahrscheinlichkeit für Erfüllung von Verpflichtungen / langfristig etwas schwerer einschätzbar.
Taxes: Es wird keine Quellensteuer abgeführt; Versteuerung (25 %, max. 27,99 %) erfolgt in Deutschland (Steuererklärung).
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mrd. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Festgeldanlagen, die 250.000 € übersteigen, sind nur nach vorheriger Rücksprache mit der Bank möglich.Für solche Fälle gelten nicht die veröffentlichen Zinsen der Bank.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
regionale Bank mit überregionalem Angebot
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich unbegrenzte erweiterte Absicherung.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Voraussetzung ist die Eröffnung eines Tagesgeldkontos.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Frankreich.
Rating: Sehr hohe Bonität / hohe Wahrscheinlichkeit für Erfüllung von Verpflichtungen / langfristig etwas schwerer einschätzbar.
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Niederlande.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Frankreich.
Rating: Sehr hohe Bonität / hohe Wahrscheinlichkeit für Erfüllung von Verpflichtungen / langfristig etwas schwerer einschätzbar.
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Österreich.
Rating: Sehr hohe Bonität / hohe Wahrscheinlichkeit für Erfüllung von Verpflichtungen / langfristig etwas schwerer einschätzbar.
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Frankreich.
Rating: Sehr hohe Bonität / hohe Wahrscheinlichkeit für Erfüllung von Verpflichtungen / langfristig etwas schwerer einschätzbar.
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Spanien.
Rating: Befriedigende Bonität / gegenwärtig stabile Lage, aber bei gesamtwirtschaftlichen Problemen erhöhtes Ausfallrisiko.
Taxes: Es wird keine Quellensteuer abgeführt; Versteuerung (25 %, max. 27,99 %) erfolgt in Deutschland (Steuererklärung).
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Malta.
Rating: Gute bis befriedigende Bonität / Geringfügig abhängig von der wirtschaftlichen Lage.
Taxes: Es wird keine Quellensteuer abgeführt; Versteuerung (25 %, max. 27,99 %) erfolgt in Deutschland (Steuererklärung).
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Niederlande.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich erweiterte Absicherung bis 3 Mio. Euro.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
regionale Bank mit überregionalem Angebot
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Deutschland. Zusätzlich unbegrenzte erweiterte Absicherung.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Die Abgeltungssteuer (25 % bis 27,99 %) wird direkt von der Bank abgeführt.
Deposit Insurance: Gesetzliche Einlagensicherung bis 100.000 Euro in Schweden.
Rating: Höchste Bonität / geringes Risiko (auch langfristig).
Taxes: Es wird keine Quellensteuer abgeführt; Versteuerung (25 %, max. 27,99 %) erfolgt in Deutschland (Steuererklärung).
With Festgeldrategeber, you can find the best fixed-term deposit offers at a glance – currently with top interest rates of up to 3.50% p.a.. Numerous European partner banks offer attractive conditions for your secure investment.
Find the best fixed-term deposit interest rates at various banks.
Fixed-term deposits are protected up to 100,000 euros by the statutory deposit insurance.
No fees for opening and managing your account!
Identify yourself easily and conveniently online with Video-Ident.
✔ Compare offers
✔ Choose desired term
✔ Open account online
Tip: Those who compare secure more interest – and get more out of their money. Trust Festgeldrategeber for your transparent and independent fixed-term deposit comparison.
A fixed-term deposit is a secure and predictable form of investment. You invest a specific amount for a fixed term with a bank – at a pre-agreed interest rate. This interest rate remains unchanged for the entire term – regardless of what happens in the market.
▪ Minimum investment: usually from €1,000
▪ Maximum investment: often up to €100,000 (within the EU deposit insurance framework)
▪ The longer the term, the higher the interest rate usually is
With Festgeldrategeber, you’ll find the right fixed-term deposit – secure, transparent, and without any fine print.
✔ Fixed interest rates – no surprises
✔ Protection through statutory deposit insurance (up to €100,000 per bank and customer)
✔ No price risks like with stocks
During the term, the money is fixed and not available. At the end of the term, you can decide freely: extend, withdraw, or reinvest – at the then-current conditions.
Fixed-term deposits impress with stable and often above-average interest rates – especially compared to other safe investment forms.
The longer the term, the higher the interest rate usually is. Currently, up to 3.50% p.a. is possible – depending on the provider and term.
Tip: Many European banks offer more attractive fixed-term deposit conditions than German institutions. With Festgeldrategeber you can compare over 250 offers quickly, transparently, and free of charge.
Your advantages at a glance:
✔ Top interest rates up to 3.50% p.a.
✔ Offers from all over Europe
✔ Individually filterable by term and investment amount
Compare now and make more of your money – with Festgeldrategeber.
You divide your investment sum into different terms, e.g., 1 to 5 years. An example:
👉 €25,000 is invested in five parts of €5,000 each – with terms of 1, 2, 3, 4, and 5 years respectively.
Each year, one investment matures – and is then reinvested for 5 years at the best available interest rate.
✔ You permanently benefit from long-term interest rates
✔ At the same time, a portion of the capital becomes available each year
✔ You remain flexible without sacrificing returns
This strategy is also recommended by Stiftung Warentest – and Festgeldrategeber helps you find the right offers for each step of your fixed-deposit ladder.
Now ladder your interest rates smartly – and get the most out of your money!
After five years, your fixed-deposit ladder is fully established: All investments now have a five-year term – and one matures each year.
✔ Annually, 1/5 of your investment sum becomes available
✔ You decide flexibly: withdraw it or reinvest at the current top-interest rates
This way, you combine attractive long-term interest rates with annual availability – without compromising on security.
With Festgeldrategeber, you can build your personal fixed-deposit ladder step by step – individually, transparently, and with high returns.
The term determines how long your money is invested for a fixed period – without early access. Only at the end is your capital, including interest, paid back. Then you can choose freely: extend, withdraw, or invest in a new product.
▶ Short-term (up to 1 year):
Ideal if you need your money again soon but want more interest than with a call money account.
▶ Medium-term (1 to 5 years):
A good balance of return and availability – perfect for planned goals in the near future.
▶ Long-term (5 to 10 years):
For everyone who can invest for the long term and wants to take advantage of maximum interest rates.
A fixed-term deposit account is ideal for anyone who wants to invest their capital securely and predictably – and expects fixed interest rates in return. It is particularly attractive for investors who do not need access to their money for a specific period and want to get more out of it than with a current or call money account.
✅ Stable interest rates over the entire term
✅ No surprises from market fluctuations
✅ Suitable for medium to large amounts, e.g., from €1,000
Long-term oriented savers benefit particularly – as longer terms generally offer higher interest rates.
With Festgeldrategeber you can conveniently invest in fixed-term deposit offers from selected European banks – without needing your own foreign account.
Select an offer – easily with our comparison calculator.
Open a one-time account with our partner service bank.
Make a one-time transfer – we’ll take care of the rest.
Your money is automatically forwarded to the respective partner bank.
The best part: You can invest in fixed-term deposits at multiple banks through a single account – clearly, securely, and completely without paperwork.
With Festgeldrategeber you can conveniently invest in fixed-term deposit offers from selected European banks – without needing your own foreign account.
Here’s how it works:
Select an offer – easily with our comparison calculator.
Open a one-time account with our partner service bank.
Make a one-time transfer – we’ll take care of the rest.
Your money is automatically forwarded to the respective partner bank.
The best part: You can invest in fixed-term deposits at multiple banks through a single account – clearly, securely, and completely without paperwork.
In the past, you got interest from your local bank – today, that’s usually not worthwhile anymore. That’s why Festgeldrategeber gives German savers access to significantly better interest rates in the European area.
Because we work with direct banks without a branch network, these banks save costs – and pass these savings on to our customers in the form of higher interest rates.
✔ Large selection of fixed-term deposit offers from the EU
✔ Simple processing via a central account
✔ No account management fees
✔ No hidden costs
✔ 100% free for you – we receive our compensation from the banks
Use our fixed-term deposit comparison now and find the investment that suits you – secure, high-yield, and simple.
Anyone investing in fixed-term deposits with a European bank outside of Germany often asks: Is my money as safe there as it is with a German bank?
The clear answer is: Yes – thanks to the EU-wide deposit insurance.
All EU member states are legally obligated to secure deposits up to €100,000 per customer and bank – regardless of which country you invest your fixed-term deposit in. This regulation also applies to foreign banks that offer fixed-term deposit accounts via Festgeldrategeber.
✔ Statutory protection up to €100,000 per person and bank
✔ Uniformly regulated by EU Directives 2009/14/EC and 2014/49/EU
✔ Fast payout in case of insolvency – within 7 working days according to EU regulation
✔ Each country operates its own security system, which is state-monitored
🇬🇧 Great Britain: Protection up to 85,000 GBP
🇸🇪 Sweden: Protection up to 950,000 SEK
In some countries – e.g., Germany – there are additional voluntary deposit insurance systems.
An example is the Deposit Protection Fund of the Association of German Banks (BdB), which offers protection beyond the legally guaranteed €100,000 – depending on the bank, even for significantly higher amounts.
With Festgeldrategeber, you invest in fixed-term deposit offers where security is the top priority. All partner banks are subject to the statutory deposit insurance of their home country – and are state-regulated.
This allows you to focus on what matters: Predictable interest. No risk. Full confidence.
In addition to the statutory deposit insurance of up to €100,000 per customer and bank, some countries – like Germany – offer additional voluntary security systems. These significantly increase the protection for your assets.
A well-known example:
👉 The Deposit Protection Fund of the Association of German Banks (BdB)
This fund was specifically created to secure deposits at German private banks beyond the legal limit – in many cases, even into the millions. The system is financed by over 130 German private banks.
✔ More security for large investment sums
✔ Protection beyond the legally guaranteed €100,000
✔ Trust in a proven, bank-financed security system
With Festgeldrategeber you can see at a glance which banks have additional security systems – for even more protection and peace of mind with your investment.
Country ratings are important tools for investors to make informed decisions. They provide information about the financial stability of a country, especially regarding the situation of its banks.
Experts recommend that investors not only pay attention to the statutory deposit insurance but also consider the credit ratings of the banks’ home countries from well-known rating agencies like Fitch and Standard & Poor’s in their decisions.
Interest from fixed-term deposits is considered capital income in Germany and is subject to the so-called flat-rate withholding tax. This is withheld directly by the bank and transferred to the tax office.
✔ 25% flat-rate withholding tax
✔ 5.5% solidarity surcharge on the flat-rate withholding tax
✔ if applicable, church tax (depending on religious affiliation)
If you invest your money with a European bank, an additional withholding tax in the respective country may be levied. This is also automatically deducted.
Thanks to existing double taxation agreements (DTA), the tax burden can often be reduced or completely avoided – for example, with a certificate of residence that proves your tax liability in Germany.
With an exemption order, capital gains up to €1,000 per person (or €2,000 for married couples) remain tax-free.
👉 You submit the exemption order directly to your German bank.
Alternatively: If your total income is below the basic tax-free allowance, you can apply for a non-assessment certificate (NV-Bescheinigung) – and also save on taxes.
