Prices & Conditions

Online Savings

Valid only for retail customers

Daily Due Deposit Account

0.050 %* p.a.
Daily accessible.
Account management as well as transfers from your Payment Account are free of charge.
Minimum deposit at the time of opening your account is € 100,- ; no maximum deposit amount.
The interest rate is credited to your Daily Due Deposit Account on December 31^st of each year.
Interest rate excl. flat rate withholding tax (Abgeldungssteuer) and EU withholding tax

*Interest rate p.a., valid only for retail customers and valid until revoked.

Learn more about Daily Due Deposit Account >>

Time Deposit Account

Fixed interest rate* for the entire term
No fees will be charged for managing your account.
Additional payments and partial withdrawals are not admissible during the term.
The minimum deposit at the opening is € 1,000, whereas maximum deposit is about € 1,000,000
The interest is, unless otherwise agreed, capitalized annually and paid at maturity into your master account. Upon maturity of your fixed term deposit account, the money will be transferred back to your master account.
You have the option to extend your fixed term deposit account with the prevailing rate of interest on the date of maturity.
In the event of early cancellation, no interest shall be paid for the period already assessed. Additional costs of € 10 will be incurred.
The statutory capital gain tax is deducted from the interest paid out and is automatically transferred to the tax office.

Interest Rates and Terms

Term
3 Months	6 Months	9 Months	12 Months	18 Months	24 Months	36 Months	48 Months	60 Months
0.200 %	0.250 %	0.350 %	0.400 %	0.450 %	0.500 %	0.600 %	0.650 %	0.750 %

Term
6 Years	7 Years	8 Years	9 Years	10 Years
0.850 %	0.900 %	0.950 %	1.000 %	1.050 %

*Interest rates p.a., valid only for retail customers, and valid until revoked.

Learn more about Time Deposit Account >>

Payment Account

No account management fees
The main account will bear an interest rate of 0.01 %* p.a. (on a quarterly basis).
Domestic and international wire transfers in Euro are made via internetbanking and are free of charge.
For each transfer order, which is not made via internetbanking (e.g. fax or orders via bank counter), a postal fee of € 1 is charged. The charging shall be made quarterly in retrospect to the account.
Interest rate excl. flat rate withholding tax (Abgeltungssteuer) Or EU withholding tax

*Interest rates p.a., valid only for retail customers, and valid until revoked.

Deniz Sparplan

Valid only for retail customers

Deniz-Sparplan

Terms:: 5, 6, 7, 8, 9 or 10 years
Payment intervall: monthly, biannual or yearly payment
Startdatum: 7^th or 20^th of each month
Currency: EUR
Minimum Deposit: € 50 at monthly payment; € 300 at biannual payment; € 600 at yearly payment
Maximum Depost: € 1,000 at monthly payment; € 6,000 at monthly payment; € 12,000 at monthly payment
Free of charge, barring the postage rate of € 0.70 for the postal delivery of the yearly bank statement. This fee does not apply, if you choose to recieve your bank statement to your Internet-Banking-Mailbox
Interest rates: the fixed interest rates are valid for the entire term, the variable interest rates are valid until December 31^st of each year. Interest rate excl. capital gains tax (Kapitalerstragssteuer) Or EU withholding tax. The variable interest rates are calculated in accordance with the special terms and conditions.

Term	5 Years	6 Years	7 Years	8 Years	9 Years	10 Years
Fixed Interest Rates	0.750 %	0.850 %	0.900 %	0.950 %	1.000 %	1.050 %
Variable Interest Rates	1.000 %	1.000 %	1.000 %	1.000 %	1.000 %	1.000 %

*Interest rates p.a.valid only for retail customers, and valid until revoked.

Learn more about Deniz-Sparplan >>

Classic Savings

Valid only for retail customers

Classic Savings

Daily Due Deposit*
- Minimum deposit of € 100
- no Maximum deposit amount
- Variable interest rate, daily accesible
Time Deposit*
- Minimum deposit of € 1.000
- Maximum deposit of € 1.000.000; higher amounts upon request
- Fixed interest rate for the entire term
No fees will be charged for account management
Free of charge remittance to the reference account.
Co-payments and partial withdrawals are not admissible during the term
In case of early account closure no interest shall be paid for the period already assessed. In addition, re-payment of fees in the amount of € 10 will be maturity.
The interest is capitalized annually and at the end of the term, your deposit will paid to your reference account
You have the option to extend your classic saving account with the prevailing rate of interest on the date of maturity.
The statutory capital gain tax is deducted from the interest paid out and is automatically transferred to the tax office as long as no exemption form or non-assessment certificate has been submitted.

Interest Rates and Terms

Term
Daily Due Deposit*	3 Months	6 Months	9 Months	12 Months	18 Months	24 Months	36 Months	48 Months
0.010 %	0.200 %	0.250 %	0.350 %	0.400 %	0.450 %	0.500 %	0.600 %	0.650 %

Term
5 Years	6 Years	7 Years	8 Years	9 Years	10 Years
0.750 %	0.850 %	0.900 %	0.950 %	1.000 %	1.050 %

*Interest rates p.a., valid only for retail customers, and valid until revoked.

Learn more about Classic Savings>>

Corporate Deposits

Valid only for corporate customers

Corporate Daily Due Deposit Account – Deniz-Flex

Daily Due Deposit Account with a variable interest rate: 0.01 %* p.a. for EUR-deposits, 0.3 % p.a. for USD-deposits
Currency: EUR or USD.
No account management fees.
Withdrawals are free and are only possible from the reference account.

*Interest rates p.a., valid only for retail customers, and valid until revoked.

Learn more about Corporate Daily Due Deposit Account>>

Corporate Time Deposit Account – Deniz-Fix

One time payment with a fixed interest rate.
Term: on request
Currency: EUR or USD.
Minimum deposit: € 10,000 or US$ 10,000.
No fees for closing your account.

Learn more about Corporate Time Deposit Account >>

Exchange Rates

Download the List of Fees (German)

If you have any questions, please address yourself to our staff in the Service Center at our toll-free number 0800 4 88 66 00. You are also welcome in one of our branches where our team will be happy to answer your questions.