Overview
- Promotional Tagesgeld offers pay high introductory interest for a limited period but often switch to low follow-up rates once the guarantee expires.
- COMPUTER BILD found steep examples where advertised rates fall to about 0.60–0.75% after the promotion, including ING, Postbank and 1822direkt.
- Other providers keep higher base rates after the promo, for example Suresse Direkt Bank moves from 3.50% to about 2.05% and Bigbank shifts from 3.25% to about 2.25% while its deposits are covered only up to €100,000 by Estonia’s scheme.
- Savers can avoid lost yield by noting the end date of the rate guarantee, planning a timely switch and using the fact that Tagesgeld accounts are usually withdrawable without fees.
- Net return depends on the full timeline of rates, any balance caps, monthly interest crediting and the applicable deposit‑insurance limits, so shoppers should compare total expected yield not just the headline promo rate.