Overview
- Verivox reports average rates of 2.49% for 10‑year fixed deposits, 2.06% for two‑year terms and 1.29% for standard savings offers at the start of 2026.
- Stellantis Bank leads 12‑month offers at 2.71% annual interest with a €500 minimum and €1 million maximum deposit, with interest fixed over the term.
- Opel Direktbank pays about 2.51% for 12 months and operates as a branch of France’s Stellantis Bank, so deposits are covered by the French guarantee up to €100,000 across both brands.
- J&T Direktbank offers 2.50% for one year with a €5,000 minimum and €250,000 per‑contract cap, with protection under the Czech deposit guarantee up to €100,000.
- Local savings banks average just 0.37% on easy‑access accounts versus 2.1% inflation, and many foreign banks do not withhold German capital‑income tax so customers must declare interest themselves.