Overview
- Renault Bank directly increased rates effective October 29, offering 2.60 percent p.a. on new-customer Tagesgeld up to €250,000 for three months and raising all Festgeld terms by 0.05 percentage points to 2.25–2.45 percent.
- Postbank launched a confirmed new-money promotion at 2.25 percent p.a. guaranteed from December 1, 2025 to May 31, 2026 for deposits of €2,500–€100,000, with automatic participation for qualifying inflows and a reversion to 0.75 percent variable afterward.
- Verivox’s latest survey places the market average Tagesgeld at about 1.28 percent, while top promotional peaks reach 3.5 percent for new customers at BforBank, typically for three months and often tied to opening additional products.
- The highest unlimited rate available to both new and existing savers is 2.8 percent at Ferratum (Multitude Bank, Malta), with Germany’s Varengold Bank leading domestic institutions for existing customers at 2.3 percent.
- For two-year Festgeld, market leaders offer up to 2.9 percent versus about 1.45 percent at local Sparkassen, a roughly €200 gap on €10,000 over the term, as Verivox flags 2.4 percent inflation reducing real purchasing power.