• 0.400 % 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

Learn more about Daily Due 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.

Learn more about Time Deposit Account >>

• No account management fees
• The main account will bear an interest rate of 0.200 % p.a. (on a quarterly basis).
• Domestic and international wire transfers in Euro are made via internet banking and are free of charge.
• For each transfer order, which is not made via internet banking (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

• 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.
• In case of pre-mature account closure within the first 4 years, instead of the agreed interest rate, a rate of 0.5% p.a. will be paid for the period already assessed. In case of a pre-mature closure after 4 years a interest rate of 1% p.a. will be paid.

Learn more about Deniz-Sparplan >>

• 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

Learn more about Classic Savings>>

• Daily Due Deposit Account with a variable interest rate: 0.400 % 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.

• 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.
• In the case of a pre-mature cancellation, the interest rate will be reduced retroactively to 0.5 % p.a.

Learn more about Corporate Time Deposit Account >>