Overview
- Top instant‑access savings offers now reach 3.5% for new customers, a level cited by Verivox and seen at platforms like Raisin for roughly three months.
- Many deals add conditions that trim the payoff, including automatic brokerage accounts at Consorsbank or sharp drops to low standard rates once the teaser ends.
- Over a full year, longer guarantees can win out, with BforBank paying 2.5% for 12 months versus about 2.39% effective if a 3.5% three‑month teaser steps down to near 2.0%.
- Fixed‑term deposits have climbed too, with one‑year offers averaging about 2.69% and top deals near 2.87% as of April 22, according to Finanztip.
- Safety checks matter because EU deposit insurance covers up to €100,000 per bank while national backstops differ, and neobroker cash routed into money‑market funds is not insured.