Shlau Festgeld
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Currently earning up to 5.25% APY

Secure Fixed-Term Savings

With BaFin - Trusted German Banking Partners

Access fixed-interest deposit opportunities through a simple digital process. Transparent terms, regulated banking partners, and a savings approach built for stability rather than speculation.
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Commerzbank
Commerzbank
DekaBank
DekaBank
Deutsche Bank
Deutsche Bank
DZ Bank
DZ Bank
HypoVereinsbank
HypoVereinsbank
ING
ING
Klarna
Klarna
Sparkasse
Sparkasse
Volksbank
Volksbank

▬ Our Services ▬

Built for savers who value stability

Festgeld is designed for people who want clarity, capital preservation, and predictable outcomes. Instead of chasing uncertain market performance, you can choose a fixed term, lock in a fixed rate, and know what your money is working toward from day one.
Predictable Returns

With fixed-term deposits, your interest rate is agreed at the start of the term and remains unchanged until maturity. That gives you planning certainty and a clear picture of your expected return.

Strong Security Standards

Your access, personal data, and account journey are protected through modern security protocols and controlled digital processes. Security is not an add-on. It is part of the foundation of the service.

Simple Funding Process

Connect your existing bank account and complete the deposit process through a straightforward online flow. No unnecessary complexity, no outdated paperwork, and no confusing steps.

Clear Account Overview

Monitor your deposit term, expected interest, and maturity timeline in one place. The dashboard is designed to give you a practical overview without clutter.

Planning Horizon

Choose a term length that fits your savings strategy, whether you are setting aside capital for the near term or looking for a more structured multi-month allocation.

Long-Term Saving

At maturity, you can evaluate whether to withdraw, reallocate, or continue building through a renewed term. This gives you a disciplined way to make cash work harder over time.

▬ Our Rates ▬

Competitive fixed-term deposit opportunities

We work with regulated European banking partners to provide access to fixed-term savings products across different durations. Available rates depend on term length, partner bank conditions, and the market environment at the time of placement.
Short-Term

3-6 months

2,0 – 3,5
% p.a.
Medium-Term

6-12 months

3,0 – 4,5
% p.a.
Long-Term

12-24 months

3,5 – 5,1
% p.a.
All deposits are placed with partner banks that operate under the applicable regulatory and deposit-protection framework. Final rates and terms are confirmed during the application process.
— WHY CHOOSE OUR FESTGELD —

Security and transparency come first

When you place funds into a fixed-term deposit, trust matters. That is why the service is built around regulated counterparties, transparent product conditions, and a digital process designed to be clear from the first step to maturity.

Regulated Framework

We work within a regulated environment and focus on structured savings solutions offered through licensed banking partners.

Continuous Oversight

Risk controls, access monitoring, and process checks help maintain a secure operating environment.

Encrypted Digital Experience

Sensitive information is protected through modern encryption standards during transmission and storage.

Compliance-Focused Operations

Our processes are designed to align with applicable legal, operational, and data-protection requirements.

Learn more about our security
Capital Protection

A more stable way to earn fixed interest.

▬ Pricing plan ▬

Simple pricing plan for business investment

Total Savings
€ 0.00
Open Account

To open a time deposit account, you first need to open a savings account. We will lead you there.

Looking for a more predictable savings solution?

Speak with our team to understand available terms, deposit options, and the next steps in opening your account.

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Available products, rates, and account requirements depend on partner bank availability and current market conditions.