Save Profitably with the DenizBank AG Time Deposit Account
DenizBank AG Time Deposit Account is the ideal solution for investing your money safely and profitably.
Set an amount starting from EUR 1,000 and choose an investment term that suits your goals. At the end of the term, your interest is automatically credited to your existing account.
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Fixed interest rates* for the entire term
Choose individually between terms from 3 months to 10 years. -
Free online account management
Unlimited number of Time Deposit Accounts. -
Open Account Online
Open your Time Deposit Account on DenizMobile or Internet Banking.

The Simple Alternative to Saving Books

Free online account management
DenizBank AG offers you the Time Deposit Account free of charge.We offer you fixed interest rates*
The interest rate agreed when you open a Time Deposit Account is guaranteed for the entire term.

Flexible terms
You can choose freely between 3 months and 10 years.Three Good Reasons to Open a Time Deposit Account
Predictability of returns
Time Deposit Accounts offer a high degree of predictability in terms of interest income, as interest rates are fixed for the entire term. This enables precise financial planning and helps to calculate future expenditure.
Low risk
Time Deposit Accounts are considered a more secure form of investment with a low risk compared to shares or other investments. The money is invested for a fixed term and is not exposed to market fluctuations.
Simple management
Managing a Time Deposit Account is straightforward. Once opened, you don't have to worry about daily fluctuations or administration costs.
How to open your Time Deposit Account

DenizMobile App & Internet Banking
With our modern internet banking and the free DenizMobile app, you have your finances under control anytime and anywhere.
- Simple operation & modern design: banking transactions even more convenient.
- Anytime, anywhere: make transfers, standing orders and much more online.
- Conclude everything online: Fixed-term deposits or call money accounts now simply via the app.
The Time Deposit Account is an Online Deposits Account at DenizBank AG. A
specific amount (minimum amount 1.000 Euro) is invested in a Time Deposit Account. You can choose
the duration of the investment yourself. At maturity the interest will be credited to your
account.
The interest rates on time deposit accounts vary for each term, which can last from 3 months to 10 years:
- 3 Months: 2.00 %
- 6 Months: 2.00 %
- 9 Months: 2.00 %
- 12 Months: 2.05 %
- 18 Months: 2.05 %
- 24 Months: 2.10 %
- 36 Months: 2.15 %
- 4 Years: 2.10 %
- 5 Years: 2.20 %
- 6 Years: 1.90 %
- 7 Years: 1.90 %
- 8 Years: 1.90 %
- 9 Years: 1.90 %
- 10 Years: 1.90 %
The minimum deposit amount is 1.000 Euro.
You transfer your deposit to your Payment Account, then open a Time
Deposit Account and the deposit amount will be transferred to this account.
After expiration of the term (i.e. on maturity), the accumulated
interest will be credited to your Time Deposit Account.
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You have three different repayment options at maturity:
Re-payment at maturity
The amount will be transferred to your Payment Account at maturity.
Re-invest of interests and capital:
The interests and capital will be reinvested for the same term with the
interest rate applicable at the time of maturity.
Re-invest of capital:
The capital will be reinvested for the same term with the interest rate
applicable at the time of maturity. The interests will be transferred to your Payment Account.
You can open an unlimited number of Time Deposit Accounts at DenizBank AG.
The agreed interest rate for your Time Deposit Account at account
opening is guaranteed for the entire term.
Denizbank AG offers you the Time Deposit Account free of charge.
An early cancelation of Time Deposit Account before maturity is excluded for both sides and can be made only exceptional in individual cases.
In the event of early termination, the interest rate is retrospectively reduced to 0.0% p.a. and a deduction of interest on advances made in favor of the bank. The advance interest exceeds the agreed credit interest rate by a quarter (as of August 2019). In addition, due date fees apply according to our list of fees.
*Interest rates p.a.valid only for retail customers, and valid until revoked.