2023-05-31 05:50:48
Full throttle for savings interest: record values in sight!
BILD reveals which banks offer the highest interest rates for overnight and time deposits, what new customers should look out for before accepting an offer, and where existing customers can also benefit
Several banks continued to increase their call money interest rates in the last three weeks. But that’s not all: interest rates of up to 3.75 percent are now even tempting for fixed deposits over one year. A three before the decimal point has now become standard – this is proven by the interest rate comparison of the renowned Frankfurt financial service provider FMH-Finanzberatung, which is available to the “Handelsblatt”.
The 4 percent mark? At least in sight! Interest rates are likely to continue to rise in the coming months.
Best daily money offers
Banks advertise with attractive deposit rates. Currently, the Estonian Bigbank and the Swedish TF Bank offer the highest interest rate of 3.35 percent for overnight money.
▶︎ But be careful: This only applies to new customers.
Other providers such as Openbank, Suresse Direct Bank and Renault Direct Bank also attract with good interest rates. So it can be worth comparing the offers and getting the most out of your savings.
| Bankinstitute | interest rate | Condition |
|---|---|---|
| Bigbank | 3.35 percent | only for new customers |
| TF Bank | 3.35 percent | only for new customers |
| Open bank | 3.30 percent | only for new customers |
| Renault Bank direct | 3.30 percent | only for new customers |
| Suresse Direct Bank | 3.30 percent | only for new customers |
| DHB Bank | 3.25 percent | only for new customers |
| Consorsbank | 3.20 percent | only for new customers |
| Barclays | 3.11 percent | only for new customers |
| PSA direct bank | 3.10 percent | only for new customers |
| Pro Credit Bank | 3.10 percent | only for new customers |
* Interest for 5000 euros
Best call money offers for existing customers
However, if you do not want to constantly switch providers in order to get the best interest rate for a limited period of time, you will find what you are looking for at BMW Bank, for example. Here the interest rate on the call money for existing customers is already 3.00 percent.
| Bankinstitute | interest rate |
|---|---|
| BMW bank | 3.00 percent |
| J&T direct bank | 3.00 percent |
| NIBC direct bank | 3.00 percent |
| FCM Bank | 2.58 percent |
| Ikano Bank | 2.51 percent |
* Interest for 5 000 euros
The best fixed deposit offers (1 year)
If the overnight money is not for you, you can secure slightly higher interest rates with the fixed-term deposit. However, fixed for 1 year.
| Bankinstitute | interest rate |
|---|---|
| Open bank | 3.60 percent |
| J&T direct bank | 3.40 percent |
| Suresse Direct Bank | 3.25 percent |
| Bigbank | 3.20 percent |
| Klarna | 3.13 percent |
| Akbank | 3.05 percent |
| Bank11 | 3.00 percent |
| Volkswagen Financial Services | 3.00 percent |
| Oyak Anker Bank | 3.00 percent |
| BMW bank | 2.90 percent |
* Interest for 5000 euros
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