Overview
- Roughly 40% of Sparkassen and 34% of regional cooperative banks in Baden‑Württemberg pay only 0% to 0.25% on Tagesgeld, Verivox reports.
- Average variable rates stand at 0.35% at Sparkassen and 0.37% at regional co‑ops, compared with about 1.28% at banks with nationwide offers.
- Verivox says local institutes keep Tagesgeld low because raising variable rates immediately lifts costs across all existing deposits.
- Fixed‑term gaps are smaller: two‑year offers average 2.05% nationwide versus 1.64% at Sparkassen and 1.66% at regional co‑ops.
- Top Festgeld deals reach 2.60%, which could yield about €192 more on €10,000 over two years than the Baden‑Württemberg Sparkassen average.