Make more of your money – independent, personal, profitable
As an independent expert for private capital investment, we find the best solutions on the market for you – individually tailored, transparently advised, and free from product specifications.
Make more of your money – independent, personal, profitable
As an independent expert for private capital investment, we find the best solutions on the market for you – individually tailored, transparently advised, and free from product specifications.
Maximum freedom in your investments
Top offers at Festgeldrategeber
We are not tied to any bank – and that is precisely your advantage. Thanks to our network of over 250 partner banks in Germany, Europe, and the USA, we find the best conditions for your investment – independent, individual, and precisely tailored to your needs. Festgeldrategeber – because free choice enables better decisions.
Fixed-term deposit offers
Klarna Fixed-Term Deposit+
2.73 % p.a.
Details +
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 Fixed-Term Deposit
2.67 % p.a.
Details +
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.
Bigbank Fixed-Term Deposit
2.50 % p.a.
Details +
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).
J&T Direktbank Fixed-Term Deposit
2.50 % p.a.
Details +
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.
Crédit Agricole Personal Finance & Mobility Fixed-Term Deposit
2.40 % p.a.
Details +
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).
Unbeatably good
Your Advantages
More choice, better conditions
With access to over 250 banks, we find the best interest rates and terms for you – tailored to your goals.
Independent advice, objective recommendations
As independent advisors, we work without conflicts of interest – solely in your interest and with a focus on the best offers on the market.
One contact person, many banks
You benefit from the diversity of many banks – without the effort. We handle the comparison, selection, and processing for you.
Diversify internationally
Take advantage of investment opportunities not only in Germany but also at selected banks in Europe and the USA – for more stability and return.
Your savings deserve more
Festgeldrategeber – Your independent partner for smart investments
Festgeldrategeber is your first address when it comes to lucrative call and fixed-term deposit offers – both nationally and internationally. As an independent financial intermediary with access to over 250 renowned banks in Germany, Europe, and the USA, we offer you a wide selection of secure and high-yield investment options.
Transparency
Transparent advice – personal, simple, efficient
We are not tied to any provider. Our recommendations are based exclusively on your goals – not on commissions. We analyze current interest rates daily, check terms and security structures, and help you find the right solution – whether short-, medium-, or long-term.
Individual solutions instead of standard products
Individual instead of one-size-fits-all – find the right investment with Festgeldrategeber
Every financial situation is different – that’s why at Festgeldrategeber, there are no standard solutions, but individually tailored investment concepts. We listen carefully when it comes to your goals, your risk tolerance, and your time horizon. On this basis, we develop an investment strategy that truly suits you – whether you want to park liquidity short-term or build wealth safely and profitably long-term.
Thanks to our access to a multitude of banks in Germany, Europe, and the USA, we specifically filter out the offers that are optimally tailored to your needs. This way, we ensure that your money is not only invested securely but also works efficiently for you – with a clear focus on your personal situation.