Welcome rate p.a.
3.25%
Open an instant access savings account now!
- Secure the welcome rate for 3 months
- Exclusively for new customers
- Further information in the terms of participation
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.
Instant access advantages at a glance
Attractive interest rates
currently 1.25% p.a.
- variable rate
3.25% p.a. welcome rate for 3 months
on an account balance of up to €100,000
Always
available
Your deposits are available at any time
Free account management
instant access savings are free and will stay free
No minimum
deposit
you decide how much you save
Fast account opening
completely digital, in three simple steps
Did you take part in the bonus interest promotion?
At the start of the bonus interest period on 30 May we check whether you are eligible. If all the conditions are met, this will be shown to you in your banking under Savings > Overview.
Up to and including 30 August you receive 3.0% p.a. on your entire balance up to €150,000 - made up of the current instant access rate of 1.25% p.a. (variable) and 1.75% p.a. bonus interest. If, during this period, you make further deposits into your instant access savings account, these too earn 3.0% p.a. up to a balance of €150,000!
Opening an instant access savings account. It is easy.
It could not be quicker. Enter your personal details online to open the account. It takes just 5 minutes.
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.
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.
The fixed-term deposit option
Looking for a longer-term, secure investment and predictable interest? Then benefit now from our fixed-term deposit with attractive rates and 4 fixed terms from 3 months to 1 year! Simply transfer the amount you want to your instant access savings account and open the fixed-term deposit in your banking with just a few clicks.
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.
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 | paid 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 |
* 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.
Further information
Rate history
How instant access rates and bonus rates have developed.
Simple and secure banking
Useful tips & advantages of your banking.
Contact
Questions? We are happy to help you personally - by email or by phone.
Prices and services
The terms and interest rates for instant access savings at a glance.
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.
Staying flexible at all times with instant access savings
Instant access savings are an attractive option for customers who want to invest their money at short notice and flexibly, on favourable terms. As an investment, instant access savings are flexible because the money is not tied up for a fixed term but is available at any time. Unlike other forms of investment such as a passbook savings account or a fixed-term deposit, there are no notice periods when you want to withdraw money. A withdrawal has no negative consequences for your interest. Financial institutions such as DKB calculate interest using a method that determines the number of interest days precisely. Interest calculation could not be more transparent. Investing in instant access savings is therefore a good idea if you want to invest money at short notice without losing flexibility. Over the long term, too, instant access savings offer a good investment opportunity with an attractive interest rate.
More information about investing safely in instant access savings
Open an account now
and benefit from attractive interest rates!