Top rates for Q3 2026

European fixed-term deposits with attractive rates right now

Compare the best European fixed-term deposit offers and get your personal offer free of charge and without obligation, with up to 5.43% p.a.

Terms from 3 months to 10 yearsYou choose how long your money is invested

Fixed interest, no price swingsThe rate applies for the whole term

EU deposit protection up to €100,000Per person and bank, the same rules across the EU

Free fixed-deposit offer

Takes under 2 minutes

Request your individual rates now.

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Amount *

Term *

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Request sent

Thank you! We have received your details. A fixed-deposit specialist will put together your personal offer and contact you within one working day.

Go to the client portal

There you can see your deposits, maturities and documents.

Partner banks in 15 European countries

3 mo.–10 yrs

Terms to choose from

€100,000

Deposit protection per person and bank

Daily

Market check and rate update

What your money could earn

Work out your possible interest with a rate fixed for the whole term.

Amount to invest €50,000

€10,000€100,000€200,000

Term

Best rate for this term: 5.43% p.a., from the current comparison.

Your interest €2,715 Total payout €52,715 Secure my offer

The best fixed-deposit offers at a glance

Current top rates from European partner banks, all with statutory EU deposit protection.

BankTermRate p.a.Deposit protection

Example rates as of 09/2026. Which offer suits you depends on amount, term and protection scheme; actual rates may differ.

How it works

Request an offer

Tell us the amount and the term you want. It takes under two minutes and commits you to nothing.

Receive your rates

Our fixed-deposit specialists check the partner banks' offers and send you the ones that fit.

Decide in your own time

You compare for yourself and only sign if you are convinced. Your money always stays with the bank.

Your money is protected by law

€100,000

protected per person and bank

Within the EU, bank deposits are covered by statutory deposit protection — the same rules apply whichever member state the bank is based in.

Your money stays with the bank, not with us

We compare and arrange. Only the partner bank you choose holds your balance.

A fixed rate for the whole term

No price swings, no later rate cuts, no hidden costs.

More than €100,000? Spread it

Split the amount across several banks and it stays fully protected. We show you how.

Frequently asked questions

Answers to the key questions about fixed-term deposits and our service.

What is a fixed-term deposit?

You place your money with a bank for an agreed period. The rate is fixed when you sign and applies for the whole term, however market rates move.

How much does EU deposit protection cover?

Under EU law, deposits with EU credit institutions are protected up to €100,000 per person and bank. The scheme of the bank's home country applies, and we state which one with every offer.

What does the service cost me?

Nothing. The comparison and support are free and non-binding for you. The partner banks pay us an introduction fee, which does not affect your rate.

Am I committed to anything after I ask?

No. You receive the offers to review and decide freely whether to take one. There is no obligation to sign or to pay.

Why do foreign banks pay more than German ones?

Banks in growing markets need deposits to fund their lending and pay better rates for them. Through an intermediary they reach German savers without running their own branches here.

Can I get my money out early?

A fixed-term deposit is tied up for the agreed term — that is why the rate is higher. Early withdrawal is usually not possible. To stay flexible, spread the amount across several terms.

How quickly will I get my offer?

Usually within one working day. After a short call about amount and term, you receive your rates in writing.

Get your personal fixed-deposit offer now

Free, non-binding and with no obligation to sign.

Request an offer