Top rates for Q3 2026

European fixed-term deposit offers at today's attractive rates

Compare the best European fixed-term deposit offers and get your personal offer — free and non-binding — with up to 5.43% p.a.

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

Fixed rate, no market swingsThe rate applies for the entire term

EU deposit protection up to €100,000Per person per bank, uniformly regulated EU-wide

Free fixed-term deposit offer

Done in under 2 minutes

Request your personalised rates now.

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Thank you! We've received your details. A fixed-term deposit specialist will prepare your personal offer and get back to you within one business day.

Go to customer portal

You'll find your investments, maturities and documents there.

Partner banks across 15 European countries

3 mo – 10 yr

Terms available

€100,000

Deposit protection per person per bank

Daily

Market review & rate update

How much a fixed-term deposit can earn you

Calculate your potential interest earnings with fixed rates over the entire term.

Desired investment amount €50,000

€10,000€100,000€200,000

Selected term

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

Your interest earnings €2,715 Total payout €52,715 Get my offer now

The best fixed-term deposit offers at a glance

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

BankTermRate p.a.Deposit protection

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

How it works

Request offer

Tell us your amount and preferred term. Under two minutes, no commitment.

Receive rates

Our specialists review partner-bank offers and send you the matching rates.

Decide at your own pace

You compare, and only sign up when you're convinced. Your money stays with the bank at all times.

Your money is protected by law

€100,000

protected per person per bank

Within the EU, bank deposits are protected by statutory deposit insurance — uniformly regulated, regardless of the member state where the bank is based.

Your money is with the bank, not with us

We compare and broker. Your balance is held exclusively by the partner bank you choose.

Fixed rate for the entire term

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

More than €100,000? Just split it

Spreading the amount across several banks keeps you fully protected. We'll show you how.

Frequently asked questions

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

What is a fixed-term deposit?

With a fixed-term deposit you place your money with a bank for a fixed, agreed period. The interest rate is set at signing and applies for the entire term — regardless of how market rates evolve.

How high is deposit protection in the EU?

Under EU law, deposits at EU credit institutions are protected up to €100,000 per person per bank. The scheme of the country where the bank is based is responsible; we show which scheme applies for every offer.

What does the service cost me?

Nothing. Comparison and support are free and non-binding. The service is financed by a brokerage fee from the partner banks — this has no impact on your rate.

Does the request commit me to anything?

No. You receive the offers to review and decide freely whether to sign up for any. No obligation to sign or to pay arises.

Why do foreign banks pay more than German ones?

Banks in growth markets need deposits to fund their lending and pay better rates in return. Via a brokerage platform they reach German savers without maintaining their own branch network here.

Can I access my money early?

A fixed-term deposit is locked in for the agreed term — that's why the rate is higher. Early withdrawal is generally not possible. If you want flexibility, split the amount across several terms.

How fast do I get my offer?

Usually within one business day. After a brief phone call about amount and term, your rates arrive in writing.

Get your personal fixed-term deposit offer now

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

Request offer