22.11.2023
Best Term Deposits to Open Online for German Residents: November 2023
3 min read
Discover the top term deposit options available for German residents to open online in November 2023. With fluctuating local rates, explore opportunities from foreign banks offering competitive fixed-term deposit rates. This selection highlights the best offers for German citizens, providing avenues for secure and potentially lucrative investments. Please note that these insights are for informational purposes only, and individuals should conduct their research or consult with financial advisors before making any decisions.
As of November 2023, the highest term deposit rate in EU banks available to German citizens for online opening of a term deposit via the banks' websites is 4.20%.
This is the rate of 4.20% offered by the German bank CA Consumer Finance for a 1-year term deposit with a minimum deposit of €5000.
Meanwhile, there are other offers with the same rate from other German banks and for other terms. So if you want to open a longer term deposit at the best rate, you have the opportunity to do so.
The profitability of these deposits is well above the national average.
Below is a list of the best term deposits available online for different maturities.
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🔥Top 5 Short-Term Deposits to Open Online
| Interest rate | Bank | Currency | Term | |
|---|---|---|---|---|
| 4.20% | J&T Direktbank (Germany) | EUR | 12 mths | More -> |
| 4.30% | CA Consumer Finance (Germany) | EUR | 12 mths | More -> |
| 4.15% | CA Consumer Finance (Germany) | EUR | 9 mths | More -> |
| 4.20% | CA Consumer Finance (Germany) | EUR | 6 mths | More -> |
| 3.92% | Klarna Bank (Sweden) | EUR | 12 mths | More -> |
🔥Top 5 Medium-Term Deposits To Open Online
| Interest rate | Bank | Currency | Term | |
|---|---|---|---|---|
| 4.20% | CA Consumer Finance (Germany) | EUR | 18 mths | More -> |
| 4.20% | CA Consumer Finance (Germany) | EUR | 24 mths | More -> |
| 4.20% | CA Consumer Finance (Germany) | EUR | 36 mths | More -> |
| 4.10% | J&T Direktbank (Germany) | EUR | 24 mths | More -> |
| 4.05% | SWK Bank (Germany) | EUR | 18 mths | More -> |
🔥Top 5 Long-Term Deposits To Open Online
| Interest rate | Bank | Currency | Term | |
|---|---|---|---|---|
| 4.20% | CA Consumer Finance (Germany) | EUR | 48 mths | More -> |
| 4.20% | CA Consumer Finance (Germany) | EUR | 60 mths | More -> |
| 4.20% | CA Consumer Finance (Germany) | EUR | 72 mths | More -> |
| 4.00% | J&T Direktbank (Germany) | EUR | 48 mths | More -> |
| 4.00% | J&T Direktbank (Germany) | EUR | 60 mths | More -> |
Data current as of 22.11.2023
You can find the latest offers on the «Find a deposit» page.
We also recommend you familiarise yourself with the best term deposit offers of German banks:
Germany's Deposit Market Overview: November 2023
