Overview
- Comparison data from Verivox shows instant‑access “Tagesgeld” offers topping out at 3.40% as teaser deals that usually last only a few months for new customers.
- Consorsbank leads with 3.40% for three months before dropping to 0.80%, while Norisbank advertises 3.33% until June 30 with a €250,000 cap and a required checking account.
- Scalable Capital launched a 2.5% instant‑access rate that applies without a time limit to both new and existing customers, which changes the trade‑off versus short promos.
- Consumer site tz.de lists a Deblock “autosweep” account at 4.00% in current tables, though such standout listings often include strict limits and can move quickly.
- Top two‑year fixed deposits reach about 3.04% via wiLLBe, with German‑insured options near 2.66%, and Verivox calculates roughly €216 more on €10,000 than an average Sparkasse; deposits are protected up to €100,000 per bank and foreign banks may require you to report interest for taxes.