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BERGFÜRST review

Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BERGFÜRST suits euro savers who can leave money in place and want a return locked in, paying a fixed rate of 7.5% to 10% over 12 to 36. The platform is regulated in Germany and holds deposits under EU DGS up to EUR 100,000, so the trade-off is access against a known, protected return.

Key facts

Best for
Locking euro savings at a fixed rate with no monthly charge.
Headline rate
7.5% to 10%↗
Rate type
Fixed↗
Term
12 to 36 months↗
Minimum deposit
€10↗
Deposit protection
EU DGS up to EUR 100,000↗
Access terms
Terms of about one to three years with a fixed repayment date; early exit possible via the secondary market (Handelsplatz) during the term↗
Monthly fee
€0↗
Account kind
Fixed↗
Legal entity
BERGFUERSST AG↗
Headquarters
Germany↗
Founded
2011↗
Support channels
Phone, Email, Help-centre↗
Pricing model
No monthly fee, Fixed rate
Official website
bergfuerst.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
App Store

Pros and cons

Pros

  • Headline rates of 7.5% to 10% sit above the 3.08% median for savings accounts on the site.
  • Deposits are covered by EU DGS up to EUR 100,000, and the firm is listed with BaFin and ESMA.
  • A term of 12 to 36 gives a set repayment date, and early exit stays open through the secondary market during the term.
  • Support runs on phone, email and help centre, covering phone, email and a help centre.

Cons

  • The money is committed for 12 to 36, and leaving early means selling on the secondary market rather than a plain withdrawal.
  • The rate type is fixed, so the return stays put even when rates elsewhere rise.
BERGFÜRST

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Scored 9.0 / 10 by VaultCue.

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Who it suits

  • Euro savers who can leave money untouched for 12 to 36 and want the rate fixed in advance.
  • People starting with small sums, since the minimum deposit is €10.
  • Readers comparing German fixed-term providers and weighing a known return against access to the cash.

Who should look elsewhere

  • Anyone who needs the balance at short notice: the fixed term runs 12 to 36, and PayPal Colombia, at 3.3%, is worth a look when access matters more than rate.
  • Readers chasing the biggest headline figure: Plazo ES lists 24.19% and AXI Card Tarjeta y Credito 21.59%, both above 7.5% to 10%.

Fees and FX

Charges are thin: the monthly fee is €0 and the minimum deposit is €10, so a small sum can start a term. The monthly figure matches the median of €0 across the site, while the entry deposit sits well under the €190 median for fixed-term products, which keeps the cost of holding close to nothing.

Deposit protection

Deposits are covered by EU DGS up to EUR 100,000, and the platform appears in the registers of the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the European Securities and Markets Authority (ESMA). The licence numbers are 48448 and 127820, so the firm can be checked against the official records.

How BERGFÜRST compares

Where BERGFÜRST is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) (48448), checked September 26, 2026
Licence in Germany
European Securities and Markets Authority (ESMA) (127820), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate and term do I get?+

Savings are fixed, with a headline rate of 7.5% to 10% over a term of 12 to 36. The rate type is fixed and the account kind is fixed, so the return is set when you buy and does not follow rates the market pays later.

What does it cost to hold savings there?+

The monthly fee is €0 and the minimum deposit is €10, so no account charge eats into the interest. That monthly figure matches the site median of €0, and the entry deposit is well below the €190 median in fixed-term products.

Is my money protected if the platform fails?+

Deposits sit under EU DGS up to EUR 100,000, so eligible balances are covered by the scheme rather than held as an unprotected balance. The firm is listed with the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and the European Securities and Markets Authority (ESMA), which is where the records can be checked.

Can I withdraw before the term ends?+

Not by simply cancelling. The terms carry a fixed repayment date, and early exit is handled through the secondary market during the term, meaning you sell your holding on at whatever price it carries. With a term of 12 to 36, the exit route is worth thinking about before you buy.

Which regulators list this firm?+

German registers apply. The Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) lists the firm under 48448, and the European Securities and Markets Authority (ESMA) lists it under 127820. Those numbers are what to check against the official records.

How do I get help if something goes wrong?+

Support runs on phone, email and help centre, so there is a phone line, an email address and a help centre instead of a single route. Those same channels cover questions about a project, its repayment date and the secondary market, so a query can be put in writing and kept on record.

How much do I need to put in to start?+

The minimum deposit is €10, which is low for a fixed-term product. On the site that puts the brand at position 256 of 370 on entry deposits, and well below the €190 median in the fixed-term ranking.

Who runs the platform?+

The operator is BERGFUERSST AG, a firm based in Germany and founded in 2011. It runs a fixed-term savings marketplace rather than a current account, so savings placed here are fixed and priced at 7.5% to 10% for 12 to 36.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

BERGFÜRST

BERGFÜRST

Locking euro savings at a fixed rate with no monthly charge.

9.0/10See alternatives