Overview
- German direct banks are marketing short-term teaser rates of 2.5% to 3.4% that drop to far lower base levels after a few months.
- Current deals include Consorsbank at 3.40% for three months before 0.80%, Comdirect at 3.00% for six months with a linked account, and ING at 3.00% for four months before 0.75%.
- DKB pays 2.75% for four months on new funds up to €100,000 for transfers made by April 15, with a 1.00% standard rate after the promo.
- BBVA credits 3.00% for six months directly on the checking account balance and covers deposits up to €100,000 via Spain’s guarantee scheme.
- A crypto-focused fintech advertises 4% on euros only with a €9.99 monthly premium and an Auto‑Sweep into DeFi, which is not covered by deposit insurance and makes financial sense mainly from roughly €6,000 on.