Overview
- A cluster of German lenders is pitching brief teaser rates on instant‑access savings, with headline offers in the 3.25% to 3.50% range that last about three to four months before dropping.
- Raisin advertises 3.50% for three months on up to €50,000 for new customers, and because it is a marketplace the money sits at an EU partner bank where the national deposit scheme applies.
- Postbank pays 3.00% for six months only for new checking customers who open a Postbank Giro pur and log at least five transactions per full month, with the rate otherwise falling to 0.75% and fees due if monthly inflow stays below €900.
- Other notable promos include Consorsbank at 3.40% for three months up to €1 million before a 0.80% variable rate, Santander at 3.30% for four months under Germany’s guarantee, and Bank of Scotland at 3.25% for three months with German protection.
- PSD Bank RheinNeckarSaar guarantees 2.55% for ten months on up to €250,000 and belongs to both the statutory scheme and the BVR voluntary protection, and savers are urged to note caps, sign‑up windows, and the lower variable rates that follow.