Fixed-term deposits. Simply invest safely.
- Choose from 4 terms to match your savings goals
- Benefit from guaranteed interest for the whole term
Fixed interest - fixed advantages
Guaranteed interest for everyone
currently from 2.40% - 2.80% p.a.*
4 fixed
terms
from 3 months up to 1 year
The deposit amount you want
from €100 to €500,000
Fast & without paperwork
in just a few minutes, open it online
For new & existing customers
the same offer for everyone
* The rates of the current fixed-term deposit offer can change daily; the actual interest rate depends on the term you choose
Opening a fixed-term deposit easily in your banking
All you need to open your fixed-term deposit account with DKB is a free instant access savings account.
Do you not have a DKB instant access savings account yet?
Open a free instant access savings account now. The money for your fixed-term deposit comes from your instant access savings. Your fixed-term deposit account is then opened directly in your banking.
Fast fixed-term opening for customers with an instant access account!
Do you already have an instant access savings account with DKB? Then log in to your banking and open one or more fixed-term deposit accounts there with just a few clicks.
Which fixed-term deposit suits you?
Current fixed-term deposit offers
Benefit from the following terms and their corresponding interest rates.
| Term | Interest |
| 3 months | 2,40% p.a.* |
| 6 months | 2,60% p.a.* |
| 9 months | 2,70% p.a.* |
| 12 months | 2,80% p.a.* |
**Because of the actual/actual interest method, there may be slight differences in the interest calculation. You will find more about this in the FAQ.
Any deduction of capital gains tax, solidarity surcharge and church tax is not taken into account. The interest rates underlying the calculation are subject to change.
Security notice about current interest rate offers
Offers are currently circulating online with interest rates that do not match our official terms. Only the instant access and fixed-term deposit rates published on our website apply.
If you are offered higher interest rates than those shown here, it is not an official offer from DKB.
Opening a fixed-term deposit in 3 steps
Why is an instant access savings account needed?
An instant access savings account is required in order to open your fixed-term deposit account. The fixed-term amount you choose is debited automatically from your instant access savings. This happens after you open your fixed-term deposit account in your banking, either the same day or on the following banking day. Important: Please make sure there are sufficient funds in your instant access savings account before opening the fixed-term deposit account. At the end of the fixed term, the amount deposited is transferred back to your instant access savings automatically, including interest.
Instant access vs. fixed-term deposit
Still undecided which form of saving suits you better? Here is the comparison!
| Instant access | Fixed-term | |
| Interest rate | 1.25% p.a. | 2.40% - 2.80% p.a. |
| Term | none | 4 fixed terms: from 3 months up to 1 year |
| Availability | daily | at the end of the term |
| Interest payment | annually | at the end of the term |
| Account management fees | none | none |
| Minimum deposit | €0 | €100 |
| Maximum deposit | none** | €500,000 |
| Deposit protection | up to €100,000 per person | up to €100,000 per person |
| Reference account | Current account | Instant access savings |
* Interest p.a. – the rates of the current fixed-term deposit offer can change daily; the actual interest rate depends on the term you choose
**For balances above €500,000 the bank reserves the right to refuse the deposit or to apply a different interest rate
Stay financially flexible!
From the flexible instant access option to a long-term fixed rate - stay financially flexible at all times. From your instant access account you can open one or more fixed-term accounts in just a few clicks. That way you can invest your money exactly as you wish, as instant access savings or as a fixed-term deposit. Your deposits are protected up to a total of €100,000.
Compare the differences in return and flexibility to reach your personal savings goals. That way you can invest your money individually as instant access savings or a fixed-term deposit and benefit from the advantages of each.
Secure a 3.25% p.a. welcome rate on your instant access savings now!
Open an instant access savings account and, as a new customer, benefit from an attractive 3.25% p.a. on an instant access balance of up to €100,000. If you complete identification and pay in funds within 5 days, you benefit from the welcome rate for the full 3 months. If you identify later, the interest period is shortened accordingly. Our welcome rate terms apply. After that, your balance earns our current instant access rate. Or you can then invest your money longer term as a fixed-term deposit at attractive rates.
Deposit protection at DKB
Secure instant access savings - Lloyds Bank GmbH is a member of the Entschädigungseinrichtung deutscher Banken GmbH (EdB), Burgstraße 28, 10117 Berlin. Your deposits with us are therefore protected up to a total of €100,000 per customer.
You will find further information about deposit protection on the website of the EdB and in the depositor information sheet.
New banking. New look.
Simple, secure, straightforward and available at any time. Whether instant access savings, a fixed-term deposit or a loan: with our new banking you always have your DKB finances under control - wherever you are, whatever device you use.
It is this easy: register. Choose a password. Done.
Further information
Prices and services
The terms and interest rates for fixed-term deposits at a glance.
Simple and secure banking
Useful tips & advantages of your banking.
Contact
Questions? We are happy to help you personally - by email or by phone.
Savings FAQs
The most common questions about our savings products.
Customer know-how
The terms and interest rates for fixed-term deposits at a glance.
Fixed-term deposit rates in focus
Are you looking for a safe form of investment with a strong return? Then a fixed-term deposit is exactly right for you. With fixed, clearly calculable interest, a fixed-term deposit is a reliable way to reach the savings goal you have in mind.
The level of interest is a decisive factor when choosing a form of investment. Compared with conventional savings accounts, fixed-term deposit accounts often offer more attractive rates. By choosing the term yourself in advance, you can benefit from higher interest.
With the DKB fixed-term deposit calculator you can enter different terms and deposit amounts in just a few clicks, to find out how your investment develops over time and how you can reach your savings goal. Interest varies depending on the term.
A fixed-term deposit offers not only attractive interest and transparency about what you earn, but security too: your deposits are protected by the German deposit protection scheme up to €100,000 per person.