Overview
- An analysis by Verivox of 827 institutions identified at least 65 still at 0.00% on daily savings (Tagesgeld) accounts, including 31 Sparkassen and 24 cooperative banks.
- Many banks that do pay interest offer only 0% to 0.25% on these accounts, which yields about 25 euros on 10,000 euros after a year.
- Market comparisons show roughly 2% on standard offers for customers who switch, and some newcomer promotions reach about 3.4% for a short period.
- DKB announced a four‑month 2.75% rate that applies only to new external deposits up to 100,000 euros, with the promotional interest running from May through August.
- Experts urge people to check whether their cash is uninvested and to weigh longer‑term options, as Commerzbank notes about three trillion euros in Germany still sit largely without returns.