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Updated October 18, 2026 · VaultCue Editorial Team

Top fixed-rate bonds and CDs compared in Germany

40 accounts available in Germany, ranked for Germany.

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. How we rank

Top fixed-rate bonds and CDs compared in Germany
OrderAccountScoreFeaturesKey factsActions
1
iuvoSAVE logo
iuvoSAVETop pickPartner
8.7/10
  • No monthly fee
Headline rate:
5%
Rate type:
Fixed
Term:
3 months
ReviewCompareVisit
2
EstateGuru logo
EstateGuruPartner

8% Campaign on additional EG Grow investments: Fixed annual interest rate of 8% instead of the standard 7%

8.8/10
    Headline rate:
    7%
    Rate type:
    Fixed
    Minimum deposit:
    €100
    		ReviewCompareVisit
    3
    Bank of Scotland DE logo
    Bank of Scotland DEPartner

    German online bank offering Festgeld fixed-term deposits and Tagesgeld savings alongside instalment and car loans.

    		8.5/10
      Headline rate:
      3%
      Account kind:
      Easy access
      Headquarters:
      Germany
      		ReviewCompareVisit
      4
      Salt Bank logo
      Salt BankPartner

      Prima luna este gratuit (first month free): First month of any Salt plan free

      		9.5/10
      • Expats
      • Travelers
      • No monthly fee
      • Low FX
      • Free ATM
      Headline rate:
      5.3% to 5.9%
      Rate type:
      Fixed
      Term:
      3 to 12 months
      		ReviewCompareSee alternatives
      5
      Berliner Volksbank logo
      Berliner VolksbankPartner

      Tagesgeld Aktionszins for new customers: 3.25 % p.a. on up to EUR 50,000.00 until 5 January 2027

      		9.4/10
      • No monthly fee
      Headline rate:
      3.25%
      Rate type:
      Fixed
      Minimum deposit:
      €0
      		ReviewCompareSee alternatives
      6
      CosmosDirekt logo
      CosmosDirektPartner
      		9.3/10
      • No monthly fee
      Headline rate:
      2.2%
      Rate type:
      Fixed
      Deposit protection:
      EU DGS up to EUR 100,000
      		ReviewCompareSee alternatives
      7
      CreditPlus Festgeld logo
      CreditPlus FestgeldPartner
      		9.2/10
      • No monthly fee
      Headline rate:
      2.45% to 3.1%
      Rate type:
      Fixed
      Term:
      3 to 84 months
      		ReviewCompareSee alternatives
      8
      One Zero logo
      One ZeroPartner
      		9.2/10
      • No monthly fee
      Headline rate:
      6%
      Rate type:
      Fixed
      Term:
      12 months
      		ReviewCompareSee alternatives
      9
      Sparda-Bank Hamburg logo
      Sparda-Bank HamburgPartner

      Sparda Young Horizont: kostenlose Lernhilfe von ubiMaster: 1780 EUR

      		9.2/10
      • No monthly fee
      • Free ATM
      • Joint account
      Headline rate:
      €1.35 to €3
      Rate type:
      Fixed
      Term:
      12 to 60 months
      		ReviewCompareSee alternatives
      10
      Finanzguru AT logo
      Finanzguru ATPartner

      Finanzguru Sparbooster: 7 % annual subsidy on reserved points for the Altersvorsorgedepot: 7 % subsidy per year

      		9.1/10
      • No monthly fee
      Headline rate:
      7%
      Rate type:
      Fixed
      Deposit protection:
      EU DGS up to EUR 100,000
      		ReviewCompareSee alternatives

      Licensed in Germany

      Berliner Volksbank
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      CosmosDirekt
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      CosmosDirekt
      Industrie- und Handelskammer des Saarlandes (IHK Saarland), authorisation under Sec. 34d GewO
      CreditPlus Festgeld
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      CreditPlus Festgeld
      Europäische Zentralbank (EZB)
      Sparda-Bank Hamburg
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      Finanzguru AT
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      Finanzguru AT
      IHK Frankfurt am Main
      PSD Bank Nürnberg
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      SWK Bank
      Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin)
      BERGFÜRST
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
      BERGFÜRST
      European Securities and Markets Authority (ESMA)
      Raisin DE
      Bezirksamt Friedrichshain-Kreuzberg, Berlin (Finanzanlagenvermittler-Register), Erlaubnis nach Paragraf 34f GewO
      Raisin DE
      Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), for Raisin Bank AG

      Other rankings

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      Other countries

      iuvoSAVE

      iuvoSAVE

      Top pick for Germany

      8.7/10Visit