Shlau Festgeld
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Rates

— Our Partner Banks —

First-class German banks for your investment

We work exclusively with established German banks that are subject to BaFin supervision and are members of the deposit insurance scheme. These partnerships enable us to offer you attractive conditions with maximum security.

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Protected & Secure

Your investments are protected with the same security standards used by major financial institutions.

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Our Selection Criteria

Not every bank becomes a Schlau Festgeld partner. We evaluate potential partners according to strict criteria to ensure that only the most reliable institutions are admitted to our network.
BaFin License

All partner banks have a full BaFin banking license and are subject to German financial supervision.

Deposit Insurance

Membership in the statutory deposit insurance and the voluntary deposit protection fund of the BdB.

Financial Strength

Solid capital base and positive credit ratings from recognized rating agencies.

Reputation

Long-standing experience in the German banking market and demonstrably responsible business practices.

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Current Rate Overview

The following interest rates are indicative and may vary depending on the partner bank and investment volume. For an individual offer, we are happy to prepare a personal overview for you.
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 – 5,0
% p.a.
All our partner banks are members of the German deposit insurance scheme and are supervised by BaFin.
Interest rates vary by partner bank and market conditions. The ranges shown are for guidance only. Current conditions are available on our partner banks page.

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Deposit Insurance Explained

In Germany, bank deposits are protected by a two-tier security system:
Statutory Deposit Insurance

Up to EUR 100,000 per customer and bank is guaranteed by the statutory deposit insurance of the Entschädigungseinrichtung deutscher Banken (EdB).

Voluntary Deposit Protection Fund

Many German banks are also members of the voluntary deposit protection fund of the Federal Association of German Banks (BdB), which insures deposits in the millions.

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How It Works

Not every bank becomes a Schlau Festgeld partner. We evaluate potential partners according to strict criteria to ensure that only the most reliable institutions are admitted to our network.
Open Account

Register online and verify your identity in just a few minutes.

Choose Partner Bank

Select the offer that suits you from our partner banks.

Deposit Funds

Transfer your investment amount securely via SEPA transfer.

Enjoy Returns

Track your interest earnings in real-time via our dashboard.

▬ 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.

Interested in Secure Returns?

Contact us for a personal consultation. We'll help you open your investment account.

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No minimum deposit required. Cancel anytime.