Overview
- Multiple current offers headline roughly 3% or more, including Norisbank at 3.33% until June 30, 2026, Raisin at 3.20% for three months, and Consorsbank at 3.10% for three months with a required brokerage account.
- Other examples show similar patterns: Suresse Direkt Bank and Bank of Scotland advertise 3.00% for limited periods before dropping to around 1.90% and 1.25% respectively, while Volkswagen Bank offers 2.9% for six months before 1.0% and BBVA pays 3.0% for six months on a remunerated current account before 0.5%.
- Most top rates are restricted to new customers, capped by deposit limits, and revert after three to six months to standard rates often around 0.5%–0.8%, underscoring the importance of the ‘Anschlusszins’.
- Analysts estimate savers left roughly €48 billion in potential interest unrealized in 2025 by not securing better terms, a gap highlighted alongside far higher hypothetical gains from equities that carry market risk.
- Maximizing returns often requires frequent switching between providers, while alternatives such as fixed-term deposits or money‑market ETFs offer different trade‑offs and insured deposits in the EU are generally protected up to €100,000 per customer and bank.