Oct 27, 2025
3 min read
If you invest correctly, every day, the accumulated savings will remain valuable.This is an overview of the benefits, interest benefits and interest rates currently on offer.
After two years of relatively high interest rates for money and time, the ECB's interest rate is now.While many banks are reducing their rates, some institutions are maintaining high rates.Simply put, the best offers at the moment.
Additionally: Post Bank offers promotion of interest rates.We show how the new offer works in a direct comparison.
Update from October 27, 2025
Every day Taka: Postbank Launches new interest rate promotion
Postbank* has launched a new Dainik Mudra campaign.Customers earn 2.25 percent per year on new money.The offer is aimed at savers who deposit at least 2,500 euros in their current account between now and November 24 2025.The maximum deposit is 100,000 euros.The promotional interest rate is valid for six months from 1 December 2025 to 31 May 2026.
Users with newly opened accounts will automatically join.Anyone who participated in a previous promotion will open a new account.
What does this * symbol mean in text?
Some links in this post are marked with *.These are so-called affiliate links.If you make a transaction using these links, we will receive a commission from the respective bank.However, this does not affect our independent evaluation and selection of the financial products listed here.
In direct comparison, other providers have higher interest rates, but only for short periods.Consorsbank* currently pays 3.10 percent annually for three months, after which the interest rate drops to 0.80 percent.The Bank of Scotland* offers annual interest of 2.90 per cent for three months, then 1.25 per cent.
Postbank for photography with a long-term project to get a salary of 1325 kip for the lowest monthly reward.
Cash Deposits and Daily Deposits: Current Conditions
Choose the highest prices for unknown verbs:
- Deposit depositi plus from Klerna *, with an interest rate of up to 2.60 percent
- Fixed-Term Deposit* from J&T Directbank with interest up to 3.00 percent
- Term deposit from CA Consumer Finance* with interest up to 2.80 percent
- Probes direct * Pabyt direct * interest up to 2.75 percent
Choosing the best interest rates for daily income:
- Additional ING account* with 2.50% interest for four months
- Raisin * three-month interest rate 2.85%
- Daily money from consorsbank * with 3.10 percent interest for three months
- Daily fee from Tomorrow Bank* with 2.50 percent interest for 90 days
Choosing other best income options:
- Cash investment from Curion with an interest of 2.15 percent
- Commercial Republic credit interest * Interest rate 2.00% with 2.00% interest
- The payout from Get * * is currently 2.30 percent
- Depot Smartbroker+* with 1.75 percent interest right now
Expiration date is October 27, 2025. Each bank's general terms and conditions apply.Everything is said without warranty.
Our calculator can help you make further comparisons.
October 24 update
Term Deposit: New Interest Rates at Sparkasse Subsidiary 1822direKt
Interest rates for investments are variable.Now 1822Direct * has changed its position again.New customers who open a deposit account with 1822Direct receive the following rates:
- 1.60% p.a. for a period of 3 months (previously 1.65% p.a.)
- 1.70% P.A. for a period of 6 months (first 1.75% p.a.)
- 1.70% P.A. Twelve years (1.80% p.a.)
- 1.70% p.a. for 24 months (previously 1.80% p.a.)
Savers can choose an investment amount from 5,000 to 1,000,000 euros.A free account is automatically opened for new customers
>> Where the overs get three percent or more interest in sudden cash.<<
But how do the income funds of 1822direct compare to 1822direct?Depending on the term, the saver can get a better interest rate.For example, Klarna * offers interest up to 2.70 percent.With J & T Direktbank * up to 3.00 percent is possible - but only for a period of ten years.Savers can also benefit from 2.75 percent in PBB Direct *.
The comparison shows that it is worth checking the offers carefully.Our comparison calculator also helps: choose the term you want and compare the offers:
October 22 update
Professional money: Many banks are raising interest rates
Several banks have increased their daily monetary terms for new customers.From today, the Bank of Scotland* offers 2.9% per annum for three months with balances up to 100,000 euros.The interest rate drops to 1.25% per year.
Conserbank* currently offers even more, at 3.10 per cent per annum - although the interest rate drops to 0.80 per cent after three months.This offer is valid for amounts up to one million euros.
Barclays Bank * has added a suit and now pays 2.80% to new customers. When three months up to 250,000 euros.Existing Palms, as before, receive 1.20 percent.
The Raisin* platform is in the middle field with 2.85 percent p.a. for three months.The offer is valid for a maximum of 100,000 euros.After the end of the promotion period, customers can use the platform to avail the following offers up to 2.01 percent p.a.
Update of 20 October
Revolving deposits: new interest rates at Klarna - valid today
Financial services provider Klarna * Fixed interest rates on fixed term deposit accounts Klarna depositors get maximum cashback up to 2.70 percent P.A. These conditions are valid for up to four years:
- 3 months: 1.94% Annual interest (previously 2.00% annually)
- 6 months: 1.99 percent annually (before 2.13% PSA)
- 12 months: 2.26% annual interest (previously: 2.33% per person)
- 36 months: 2.64 percent annual interest (unchanged)
- 48 Months: 2.70 percent annual interest (unchanged)
This makes the offer go well, but there are now more offers: an annual interest rate of 2.95% for four years for investments between 1. 1,000 and 85 85.Deposits are protected by Swedish depository companies up to 1,050,000,000 per parrot per customer and bank.
Higher interest rates in the market are now available for longer term - eg J&T indpr* 3.00% p.A.ten year.
Updated as of October 15
Demand and term deposits: again, more rate hikes than cuts
Although interest rates on savings products have declined throughout the year, there have been a total of 202 interest rate changes.The platform recorded ten interest rate increases from eight banks and nine interest rate decreases from eight banks.The average night rose for the first time in 16 months, however by one place to 1.64 in the year from the year from 1.63.
114% interest rate for 37 banks, 23 banks increased interest rates to 69%.The average interest rate increase was 0.21 and the average interest rate decrease was 0.17 percentage points.
But where are the current top conditions?We are compared.When it comes to everyday money, ConsoshBank* is the leader.New customers now get 3.10 percent P.A.A.Subs up to one million euros in three months.But: The interest rate will drop to 0.80 percent after maturity.At Raisin *, new customers receive 285 percent P.A.a.Up to 100,000 euros in three months.After expiry, the next interest rate will be 2.01 per cent p.a.a.Raisins is possible through the platform.
Fixed-term deposits with J&T Direktbank*, on the other hand, still earn interest of up to 3.00 percent, depending on the term.
Update from October 13
New interest in overnight money at barclays
Barclays* has adjusted its interest rates based on overnight funds.New customers will receive 2.80 percent APR.For three months in the amount of 250,000 euros (up to two percent).1.20 percent per year.Plus this is for previous clients.The value of the bank has increased, but there are also more opportunities.
For example, Consorsbank * now offers new customers 3.10% interest P.A.A.Also three months for amounts up to one million euros.A free secure account is also automatically credited.But: Interest rates fall to 0.80 percent after the time expires.
There is a medium in ground raisins *.Here, new customers can expect 2.85 percent P.A.A.A maximum of 100,000 euros in three months.After the end of the period, the upfront cost of about 2.01 percent P.A.A.may be on a raisin platform.
Update from October 10
Everyday money: car banks with attractive interest rates - Volkswagen Bank stands out
Auto banks are currently changing their overnight cash interest rates.New at the top: Volkswagen Bank, which now offers a daily interest rate of 2.50 percent for six months.This makes it one of the few providers that offers a long-term interest guarantee.
Renault Bank, Opel Bank and Stellantis Directbank also continue to offer a fixed 2.30 per cent for three months.According to the bank, existing customers earn between 1.35 and 1.60 percent.
This means that the car banks are slightly behind the best regular offers at the moment.Consorsbank offers 3.10% for three months*, Raisin* offers 2.85% through its platform, ING pays 2.50% for four months*.All offers are valid for new customers only.Volkswagen Bank offers lower interest rates but a longer interest guarantee of six months.An investment of €10,000 translates into an interest income of around €125.At Consorsbank, however, at 3.10 percent for three months it would only be around €77.50 - despite the higher interest.
If you want to invest money overnight, you should definitely compare the conditions before signing the deal.
Bbbank puts interest - the choice is increasing
BB Bank has slightly increased the interest rate on the 8-year compound term deposit interest.Now instead of 2.20 percent, now it is 2.25 percent annually.The minimum investment is still 5,000 euros.Other interest rates are unchanged, the best discount is 2.55 percent p.a.for a period of 15 years.
However, a comparison with other providers shows that they prefer better conditions.
|Supplier |Duration 3 years |Duration 5 years |
|Bank BBBBB2.00% Y.A.|2.05% Y.A.|
|J&T Direktbank |2.50% per annum |2.80% annually |
|User can |2,45% p.a.|2,65% p.a.|
Those who want to invest for long-term survival will find stable interest at BBBANK.However, the largest is possible with shorter terms through providers such as J & T Direktbank * or CACEMer bank *.Therefore, it is recommended to compare deposits for a fixed period of time before making an investment decision.
Updated on October 9
Money every day: Onsorsbank offers up to three percent
Consorsbank now offers new customers an interest rate of 3.10 percent* per annum on overnight funds.This offer is valid for amounts up to one million euros and is limited to three months.After that, the interest rate dropped to the current 0.80 percent.Interest is credited to the account quarterly.
Consorsbank's Everyday Cash Account automatically includes a free bond account.If you want to invest for long term, you can use it after ETF savings plans, funds or shares.ETF savings plans are free forever, while other savings plans have no charge for twelve months.The combination of overnight cash and a custody account is especially aimed at investors who want to invest in bonds later.
Anyone who invests 10,000 euros at 3.10 percent for three months can expect an interest income of around 77.50 euros.Other banks also now offer relatively high promotions for new customers.Resin pays 2.85 percent interest for three months*, while ING pays 2.50 percent interest for four months*.Unlike Consorsbank's offer, both offer deposits that are not connected to automatic opening, but are only valid for new customers.
Despite the high interest rates, investors should be careful.Promotions are usually limited to a limited period only.If you want to stay flexible, you should compare different daily cash offers.
Updated October 6th
Daily Money: New interest rates from Bank of Scotland and Holvi
Bank of Scotland launched a special welcome event in October.New customers now earn 2.60 percent per annum on balances up to €100,000.This requires opening a current account.In addition, everyone who supports the campaign can receive 40 euros per account.
Also: Bank Holvi has new offers for companies every day.GMBH that opens and new accounts receive the most special return of four percent per year, valid for four months on balances up to 100,000 euros.The promotional period runs from October 2025 until the end of March 2026.
Update from September 29
Interest on Klarna: These conditions apply immediately
Financial services provider Klarna is known not only for its online payment services, but also actively provides products for everyday money and term deposits.The company has now updated its terms for both.
With the Flex account, KRAMNA's everyday money, new customers now get an interest rate of 1.75 percent per year * - that's 0.15 percent less money than before.Before that, the interest rate was 1.90% p.a.
Most of the interest rates have also been reduced slightly for Klarna Fixed deposit+* products.The new terms look like this in detail:
- 3 months: 2.00% per annum (no change)
- 6 months: 2.13% per annum (previously 2.18%)
- 9 Months: 2.20% p. (unchanged)
- 12 months: 2.33% per annum (previously 2.38%)
- 18 months: 2.46% p. (previously 2.51%)
- 24 months: 2.53% per year (previously 2.58%).
- 36 Months: - 2.64% P.A. (Unchanged)
- 48 months: 2.80% annually (previously 2.70%)
Klarna makes the terms a little easier for daily cash and fixed-term deposits, but it's still a solid option.For the longest period of 48 months, it even increased the interest rate on fixed-term deposits from 2.70 to 2.80 percent per annum.
Overall, Klarna remains in the solid mid-range.Other providers such as Tf Bank or Serresse Direkt Bank currently offer a daily interest rate of more than 2.60 percent - but it has only been renewed for four months (and renewed on 26).This offer is also not dependent on the minimum investment, but they require special attention to the term and the subsequent interest rate.
Updated as of September 26
Money of the day: Special offers from Santander, Tarobank and Co.
On yesterday's channel, we offered new coins for the New Cisini period.But other banks also offer attractive products with similar interest rates for a short period of time.
Bank Santander, for example, currently offers an interest rate of 2.30% per annum* for the first four months, available to anyone who has not had a current account with the bank in the last six months.Targobank offers an interest rate of 2.00%* for the same period for an investment amount of up to one million euros.Both offers are not tied to a minimum investment amount and are available flexibly.
TF Bank is currently slightly higher with 2.65 percent interest for four months *.After the rise expires, the interest rate falls to 1.45 percent.SurSse Direct Bank also offers new customers 2.60 percent for four months *.After that, a significantly lower base interest rate of 1.95 percent comes into effect.
The trend remains clear: many banks continue to rely on temporary top interest rates to attract new customers.Anyone looking to park their money in the short term can take advantage of this - but they should monitor the promotional period and consider changing or continuing the product over time.
Update from 25 September
The raisin of Weltsparen is tempting with higher interest rates - but how are the competitors doing?
Raisin launches its own daily money product for the first time.So far, the interest broker has only appeared as a platform under the name Weltsparen.With an interest rate of 2.85 percent annually for three months*, the provider is one of the market leaders today.The interest rate is fixed throughout the term, the credit is available daily, and the interest is credited monthly.But the offer has a catch.
At the end of three months, the balance is automatically transferred back to the regular checking account.According to the platform, the proposed interest rate is 2.01 percent.Automatic flow of savings in the next product, which can be selected from the appearance of raisins in advance or on time.Anyone who does not deviate from it should expect much lower interest rates.
Other banks currently offer similar high, but also temporary, interest rates.ING offers 2.50 percent for four months*.Consorsbank offers 2.80 percent for three months*, while the sustainably oriented Tomorrow Bank also offers 2.50 percent for 90 days*.By comparison, Raisin impresses with the highest interest rate, although the promotional period is shorter than with ING.
If you want to plan for the long term, you can secure fixed interest rates over months or years with a term deposit.You can find the best offers in our term deposit comparison.For flexible savers, it's still worth comparing everyday money.
What is a day?Ringpenge is a flexible investment fund where investors have their money available at any time.The amount is deposited in the current account and is paid with variable interest.The skill level is usually higher than on a checking account, but lower than on a deposit account.Daily funds are best suited for short-term investments and as emergency savings.
What is the designated area?With a fixed-check plan, savers deposit their money at a fixed rate for a fixed period of time.This period can range from a few months to several years.Capital cannot be provided at this time.Fixed-term deposits usually offer higher interest rates than overnight deposits, but are less variable.
What is a deposit? A custody account is an account that investors need to buy and sell securities such as stocks, ETFs, and money.It is held in a bank or an online brokerage.Deposits vary depending on the money, trading options and additional services.
What is an ETF?An exchange-traded fund (ETF) is an exchange-traded fund that tracks an index such as the DAX or MSCI World.ETFs are cheap, transparent and offer broad diversification because they contain many securities.They are particularly suitable for long-term investments and are popular with passive investors.
What are stocks?Stocks are shares in companies traded on a stock exchange.By purchasing shares, investors become co-owners of the company and benefit from price appreciation and dividends.Stocks offer opportunities for high long-term returns, but they are also associated with risks as prices can fluctuate.
How will the program of programs be in the programs?Investigating plans to get the financing for the price, etc. are some costs,
What does MSCI World mean?MSCI World is a global stock index that tracks the performance of approximately 1,600 companies from 23 industrialized countries.It is considered the basis for many ETFs and represents broad diversification.Anyone who invests in the ETF MSCI World is indirectly investing in many international companies.
What types of investments are available?In addition to overnight cash, overnight deposits, stocks and etfs, there are other types of investments such as bonds, land bonds, commodities or cryptocurrencies.Each type of asset has specific opportunities and risks.Good diversification helps reduce risk and achieve consistent long-term returns.
How real is the ECB deposit rate?The European Central Bank (ECB) sets the deposit rate at which banks can deposit money with it.This interest rate affects the deposit interest rate for customers: If the interest rate is high, the daily and fixed rates also increase.A lower interest rate, on the other hand, usually leads to lower interest rates.
What is the best investment strategy?The best investment strategy depends on individual goals, risk tolerance and investment horizon.A proven approach is broad diversification, for example through ETFs.Long-term investment and regular savings reduce risks.A combination of safe investments (current and term deposits) and high yield investments (stocks, ETFs) can create a balanced portfolio.
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