Earn up to 5.25% annual interest (APY) today.

Secure fixed-term deposits

With the ECB — trusted German banking partners

Access fixed-term deposits through a simple digital process. Transparent terms, regulated bank partners, and a savings approach focused on stability rather than speculation.
DekaBank
DekaBank
Deutsche Bank
Deutsche Bank
DZ Bank
DZ Bank
HypoVereinsbank
HypoVereinsbank
ING
ING
Klarna
Klarna
Sparkasse
Sparkasse
Volksbank
Volksbank
Commerzbank
Commerzbank
DekaBank
DekaBank
Deutsche Bank
Deutsche Bank
DZ Bank
DZ Bank
HypoVereinsbank
HypoVereinsbank
ING
ING
Klarna
Klarna
Sparkasse
Sparkasse
Volksbank
Volksbank
Commerzbank
Commerzbank
DekaBank
DekaBank
Deutsche Bank
Deutsche Bank
DZ Bank
DZ Bank
HypoVereinsbank
HypoVereinsbank
ING
ING
Klarna
Klarna
Sparkasse
Sparkasse

▬ Our services ▬

For savers who value stability.

Fixed-term deposits are 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 from day one what your money is working towards.
Predictable returns

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

High security standards

Your access, personal data, and account history are protected by modern security protocols and controlled digital processes. Security is not an add-on—it is an integral part of the service.

Simple funding process

Connect your existing bank account and complete the deposit through a clear online workflow—no unnecessary complexity, no outdated paperwork, and no confusing steps.

Clear account overview

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

Planning horizon

Choose a term that fits your savings strategy—whether you are setting aside capital for short-term needs or looking for a structured multi-month allocation.

Long-term saving

At maturity you can decide whether to withdraw, reinvest, or roll the amount into a new term—giving you a disciplined way to make your money work harder over time.

▬ Our pricing ▬

Competitive fixed-term deposit offerings

We work with regulated European bank partners to provide access to fixed-term products across different maturities. Available rates depend on the term, the partner bank’s conditions, and market conditions at the time of placement.
Kurzfristig

3-6 Monate

2,0 - 3,5
% p.a.
Mittelfristig

6-12 Monate

3,0 – 4,5
% p.a.
Langfristig

12-24 Monate

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

Security and transparency are top priorities.

When you place funds in a fixed-term deposit account, trust matters. That is why the service is built on regulated contractual partners, transparent product terms, and a digital process that is clear from start to finish.

Regulated framework

We operate in a regulated environment and focus on structured savings solutions offered through licensed bank partners.

Continuous oversight

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

Encrypted digital experience

Sensitive information is protected in transit and at rest by modern encryption standards.

Compliance-focused operations

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

Kapitalschutz

A steadier way to earn fixed interest.

▬ Pricing plan ▬

A simple pricing plan for business investments

Interest payment 5.3 %
Total Savings
€ 73.175,62

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

Looking for a more reliable savings approach?

Speak with our team to understand available terms, deposit options, and the next steps to open an account.

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