Berliner Volksbank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Berliner Volksbank is a cooperative bank for savers in Germany who want daily access to a fixed-rate overnight deposit with no minimum balance and no monthly fee. The interest is set at 3.25%, the balance sits under EU DGS up to EUR 100,000, and the account runs as an easy-access product.
Key facts
- Best for
- German savers who want a fixed rate with daily access and no monthly fee.
- Headline rate
- 3.25%↗
- Rate type
- Fixed↗
- Minimum deposit
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Tagesgeldkonto: daily access, deposits and withdrawals possible daily, balance available daily, one account per customer, payment traffic only via the registered reference checking account↗
- Monthly fee
- €0↗
- Account kind
- Easy access↗
- Legal entity
- Berliner Volksbank eG↗
- Headquarters
- Germany↗
- Founded
- 1946↗
- Support channels
- Email, Phone↗
- Pricing model
- No monthly fee, Fixed rate
- Official website
- berliner-volksbank.de
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Elsewhere
- WikidataXLinkedInkununu.com
Pros and cons
Pros
- Fixed interest of 3.25% on the overnight deposit, so the return does not move with the market
- Monthly fee of €0 and a minimum deposit of €0, so the account is free to open and keep
- Daily deposits and withdrawals with the balance available daily on an easy-access account
- Deposits held under EU deposit protection of EU DGS up to EUR 100,000
Cons
- Only one account per customer, and payment traffic runs only via the registered reference checking account
- Chat and a help centre are not among its support channels (email and phone), which cover email and phone
- The fixed rate of 3.25% places the bank at 223 of 473 on headline rate
Who it suits
- Savers in Germany who want the balance reachable on any day
- Customers already holding a current account at the bank
- Anyone who does not want a minimum balance tied up
Who should look elsewhere
- AXI Card Tarjeta y Credito, whose headline rate of 21.59% sits far above 3.25% for savers chasing the highest yield
- Plazo ES, which quotes 24.19% and suits people willing to lock a card balance rather than rely on a fixed overnight rate
- Customers who need several accounts per person, since the bank allows one
How Berliner Volksbank compares
9.4 vs 8.6
9.4 vs 9.5
9.4 vs 8.0
9.4 vs 8.9
9.4 vs 8.9
Berliner Volksbank vs Linxea9.4 vs 9.1
9.4 vs 9.1
9.4 vs 8.9
9.4 vs 8.7- 9.4 vs 8.0
9.4 vs 9.0
9.4 vs 8.1
9.4 vs 8.7
9.4 vs 8.0
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.0
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.4
9.4 vs 8.3
9.4 vs 9.0
Where Berliner Volksbank is available
- Available
- Germany
- Licence in Germany
- Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the overnight deposit pay?+
The account pays a fixed rate of 3.25%. Rate type is fixed, so the figure is not moved with the wider money market the way a variable rate can be. That suits savers who want to know what the account earns.
Is there a minimum balance to open the account?+
There is no minimum balance to meet. The minimum deposit is €0, so the account opens at any funding level. Ranked on minimum deposit, the brand places 1 of 370 on the table.
What does the account cost each month?+
Nothing. The monthly fee is €0, and the model is a no-monthly-fee account. Across the site the monthly fee median is €0, so this sits with the free accounts rather than above them.
Is the money protected?+
Yes. The deposit sits under EU deposit protection of EU DGS up to EUR 100,000, the German scheme overseen by the banking regulator BaFin. The bank operates as Berliner Volksbank eG, a cooperative legal entity based in Germany.
How do I get at the money?+
Access is daily: deposits and withdrawals are possible every day and the balance is available daily. Payment traffic runs only via the registered reference checking account, and one account per customer is allowed.
How does the rate compare with other savings accounts?+
The rate of 3.25% sits above the site headline rate median of 3%. The brand places 223 of 473 on headline rate, so the return is solid but not at the front of the table.
How do I contact the bank?+
Support runs through email and phone, so questions reach the bank by phone or by email. Both channels are common across the market, with phone support the norm at 79.5% of listings.
What kind of account is this?+
It is an easy-access account, the most common kind on the site at 76.7% of listings. The rate stays fixed while the money remains reachable each day, a mix of savings and current access.
Sources
- bafin.de checked September 26, 2026
Backs: Deposit protection, Licences
- berliner-volksbank.de checked September 26, 2026
Backs: Founded
- berliner-volksbank.de/impressum.html checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“Anbieter: Berliner Volksbank eG, Bundesallee 206, 10717 Berlin; Rechtsform: Eingetragene Genossenschaft; Genossenschaftsregister GnR 23 B”
- berliner-volksbank.de/privatkunden/anlegen-sparen/tagesge... checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type
“Guthaben taeglich verfuegbar”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term.
Related by the facts
Berliner Volksbank
German savers who want a fixed rate with daily access and no monthly fee.