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Compare fixed-term deposits – benefit from top interest rates

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Interest rate ⬍
Duration ⬍
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Country ⬍
Interest income ⬍
2.67 % pa
1 year
Finora Bank Logo
Lithuania (A) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 1,335 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.67% pa
Effective interest rate 2.67% pa
Compound interest No
Duration 1 year
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €20,000.00 - €100,000.00
Extension An extension is possible and can be requested via online banking.
Withholding tax In Lithuania, a withholding tax of 15% is levied, which can be reduced to 10% if this option is stated in the product information sheet. To qualify for a withholding tax reduction, please submit a certificate of residence and another tax form no later than four weeks before the interest payment date (due date).
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Finora Bank UAB

Finora Bank is part of the Finora Group, which has been operating since 2014. The bank operates in Estonia and Lithuania, offering loans, leasing, and factoring services to small and medium-sized enterprises (SMEs). The bank's founders and managers are highly qualified professionals with more than 25 years of experience in the financial sector. In its daily business, the bank aims to be a well-known and trusted bank in the SME segment. Finora Bank therefore offers its services using digital solutions.

About the country

Lithuania, the southernmost and largest state in the Baltic region, has been an independent semi-presidential democracy since 1990. Like the rest of the Baltic region, Lithuania has been strongly oriented politically and economically towards Europe since its independence and has been a member of the European Union (EU) since 2004 and part of the Eurozone since 2015. Lithuania's economic growth is stable, and its national debt, at 40.2% of GDP (as of 2016), is very low by European standards. Due to its geographical location and long history, Lithuania is culturally diverse and influenced by a wide variety of cultures.

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Security of your deposits

Deposits, including accrued interest, are legally protected by the Lithuanian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

2.65 % pa
1 year Stay flexible: Flexible deposits are fixed-term deposits that you can withdraw early at any time. Flex money
Finora Bank Logo
Lithuania (A) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 1,325 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.65% pa
Effective interest rate 2.65% pa
Compound interest No
Duration 1 year
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €5,000.00 - €100,000.00
Extension No
Withholding tax European Merchant Bank UAB will withhold a withholding tax of 15%, which cannot be reduced.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

European Merchant Bank

The European Merchant Bank (EMBank) was licensed by the European Central Bank in December 2018. Based in the Lithuanian capital Vilnius, the bank is distinguished by its many years of experience and management expertise in the European banking sector. The European Merchant Bank's offering primarily consists of financial products for small and medium-sized enterprises (SMEs). Its product portfolio includes lending, fixed-term deposit products, and commercial loans. The bank's goal is always to achieve high customer satisfaction through financial expertise and modern technology solutions.

About the country

Lithuania, the southernmost and largest state in the Baltic region, has been an independent semi-presidential democracy since 1990. Like the rest of the Baltic region, Lithuania has been strongly oriented politically and economically towards Europe since its independence and has been a member of the European Union (EU) since 2004 and part of the Eurozone since 2015. Lithuania's economic growth is stable, and its national debt, at 40.2% of GDP (as of 2016), is very low by European standards. Due to its geographical location and long history, Lithuania is culturally diverse and influenced by a wide variety of cultures.

Additional bank information
Year of foundation 2018
Place of foundation Vilnius
Number of employees 64
Sales focus Corporate banking, corporate loans, working capital loans, leasing, deposit business
Countries in which the bank has branches Lithuania
Total capital ratio 17.60%
Total capital ratio specified by the supervisory authority 8.00%
Listed on the stock exchange No
Parent company shares in the bank 100.00%
Country of deposit insurance Lithuania
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: A2, S&P: A, Fitch: A, DBRS: A high
* As of: December 13, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
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Security of your deposits

Deposits, including accrued interest, are legally protected by the Lithuanian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

2.45 % pa
3 months Withholding of capital gains tax, solidarity surcharge and, if applicable, church tax Simplified tax handling
Malta (A-) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 306 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.45% pa
Effective interest rate 2.45% pa
Compound interest No
Duration 3 months
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 1.00 € - 100,000.00 €
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax There is no withholding tax in Malta. Interest income in Germany is subject to withholding tax, the solidarity surcharge, and, if applicable, church tax. Allianz Bank is obligated to withhold tax. The tax treatment depends on the investor's personal circumstances.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

FIMBank plc

FIMBank plc is a licensed credit institution headquartered in Malta. It is listed on the Malta Stock Exchange and just celebrated its 25th anniversary in 2019. FIMBank is a leading international provider of trade finance, factoring, and forfaiting services, operating in several key financial and trading centers around the world. As a customer-centric service provider, FIMBank focuses on optimizing business performance and growth strategies. It offers customized trade finance solutions for corporate clients in over 50 countries around the globe. FIMBank is a member of the KIPCO Group, one of the largest holding companies in the Middle East and North Africa. The KIPCO Group employs over 16,000 people across 60 companies in over 24 countries.

About the country

Malta is a member of the European Union and, since 2008, of the Eurozone. Malta is classified as a modern economy by the International Monetary Fund and a high-income country by the World Bank. The World Economic Forum describes Malta as particularly innovation-oriented. The strengths of the Maltese economy lie in its strategic location in the middle of the Mediterranean, in the triangle between Europe, North Africa, and the Middle East, its open market economy, its multilingual population (88% of Maltese people speak English), and its well-developed financial and information and communications technology centers. At the beginning of 2018, Malta was rated A- by Standard & Poor's and A3 by Moody's. At 69.8% of GDP, Malta's public debt is lower than that of Germany, France, the United Kingdom, and Austria.

Additional bank information
Year of foundation 1994
Place of foundation St. Julian's
Number of employees 172
Number of branches / offices 2
Sales focus Deposit business, factoring, commercial real estate financing, corporate loans
Countries in which the bank has branches Malta, Greece, United Arab Emirates
Total capital ratio 18.20%
Total capital ratio specified by the supervisory authority 8.00%
Average return on equity over the last three years -3.30%
Listed on the stock exchange Yes
Bank rating Fitch: B
Parent company shares in the bank 100.00%
Country of deposit insurance Malta
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: A2, S&P: A-, Fitch: A+, DBRS: A high
* As of: December 17, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
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Security of your deposits

Deposits, including accrued interest, are legally protected by the Lithuanian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

2.43 % pa
3 months No withholding tax is payable No withholding tax
Italy (BBB) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 304 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.43% pa
Effective interest rate 2.43% pa
Compound interest No
Duration 3 months
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 10,000.00 € - 100,000.00 €
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax There is no withholding tax in Italy.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

IBL Bank

IBL Banca is a major player in Italy's personal lending sector and is among the most competitive banks offering interest-bearing accounts. Founded in 1927 as the Istituto Nazionale di Credito agli Impiegati (National Institute for Credit for Undergraduates), the bank was transformed into a bank in 2004 and into a banking group in 2008. The IBL Banca Group operates in Italy with over 55 branches and representative offices. In 2018, IBL Banca received its first official rating (BBB) ​​from the European agency Scope. This rating was confirmed in 2021, making the bank an investment-grade issuer. The final rating is based on the bank's market-leading position and very solid financial data, such as capitalization and asset quality.

About the country

Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Additional bank information
Year of foundation 1927
Place of foundation Rome
Number of employees 733
Number of branches / offices 53
Sales focus Insurance, consumer loans, payment solutions
Countries in which the bank has branches Italy
Total capital ratio specified by the supervisory authority 8.00%
Latest return on equity 7.85%
Average return on equity over the last three years 8.87%
Listed on the stock exchange No
Parent company shares in the bank 100.00%
Country of deposit insurance Italy
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 18, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Lithuanian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

2.31 % pa
6 months
Austria (AA+) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 578 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.31% pa
Effective interest rate 2.36% pa
Compound interest No
Duration 6 months
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 1,000.00 € - 100,000.00 €
Cost No
Extension An extension is not possible.
Withholding tax In Austria, a withholding tax of 25% is levied, but this tax is waived if the "Declaration of Natural Persons for the Purposes of Domestic Withholding Tax Relief" is submitted on time. We will provide you with this declaration pre-filled in your online banking system with confirmation of the attachment. The document is valid for five years from the date of signature by the tax office – and thus also for further attachments during this period.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Anadi Bank

Austrian Anadi Bank AG is a challenger to the status quo, headquartered in Klagenfurt am Wörthersee. It operates in the core areas of digital banking, corporate banking, and public finance. Its primary goal is to provide simple and cost-effective digital services to its customers. From Carinthia to all of Europe: Anadi Bank was founded in 1896 as a state mortgage institution. Since then, it has stood the test of time and overcome numerous financial and geopolitical crises. Throughout its history, Anadi Bank has required a great deal of staying power and has repeatedly had to prove its ability to adapt to a new environment. This resilience is even reflected in its name: "Anadi" means "eternal" in Hindu. Regional value creation and support for the people of the region: Anadi Bank employs around 180 people. Almost 140 of them work in the digital sector. In recent years, it has created almost 100 digital jobs in Carinthia, thus making a tangible contribution to strengthening Carinthia as a business location. The strategic cooperation with the University of Klagenfurt, launched in 2023 to promote young talent, is also driving forward promising topics such as digitalization and AI. In the coming years, the bank plans to create additional new jobs in Carinthia. The state of Carinthia has close ties to Anadi Bank. Based on its history, the bank also sees a responsibility to make a contribution beyond job creation. With its association "Anadi hilft," the bank does just that: It supports selected social projects in the region and thus aims to strengthen social cohesion.

About the country

The Republic of Austria is a democratic and federal landlocked country in Central Europe, a member of the EU since 1995 and a founding member of the OECD. With a higher per capita gross domestic product than Germany, Austria is one of the wealthiest countries in the EU. The Austrian economy is characterized primarily by the high proportion of renewable energy used in energy consumption, which is primarily due to the use of hydropower in the Alps. The country maintains high standards regarding banking secrecy, compliance, and investor protection and enjoys an Aa1/AA+ financial rating. Austria as a banking center is governed by strict legal requirements, compliance with which is continuously monitored by the supervisory authorities.

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Security of your deposits

Deposits, including accrued interest, are legally protected by the Lithuanian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

1.90 % pa
6 months Detailed information can be found in the offer details in the sustainability data sheet Sustainable Withholding of capital gains tax, solidarity surcharge and, if applicable, church tax Simplified tax handling
Germany (AAA) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 475 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 1.90% pa
Effective interest rate 1.91% pa
Compound interest No
Duration 6 months
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 1,000.00 € - 100,000.00 €
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax In Germany, interest income is subject to withholding tax, the solidarity surcharge, and, if applicable, church tax. Allianz Bank is obligated to withhold tax. The tax treatment depends on the investor's personal circumstances.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet Sustainability data sheet
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Creditplus Bank

Creditplus Bank was founded in 1960 in Stuttgart, where it is still headquartered today. With its clear focus on consumer loans and the diversity of its sales channels, Creditplus Bank is unique in Germany. Its activities focus on simple yet responsible lending. As a wholly owned subsidiary of CA Consumer Finance, Creditplus Bank is part of the Crédit Agricole banking group, one of the largest banking groups in the world. As part of this banking group, Creditplus Bank is committed to cooperative principles and builds on values ​​such as solidarity, democracy, and reciprocity. The satisfaction and interests of customers, employees, shareholders, and cooperative members are always at the heart of its actions.

About the country

The Federal Republic of Germany is by far the strongest trading nation among the member states of the European Union. Germany is one of the few countries worldwide to boast the highest possible AAA rating (highest credit rating) from all three major rating agencies.

Additional bank information
Year of foundation 1960
Place of foundation Stuttgart
Number of employees 727
Number of branches / offices 20
Sales focus Consumer loans, deposit business, sales financing, insurance, building society
Countries in which the bank has branches Germany
Total capital ratio 14.99%
Total capital ratio specified by the supervisory authority 8.00%
Latest return on equity 1.80%
Average return on equity over the last three years years 3.97%
Listed on the stock exchange No
Bank rating Moody's: Aa2, S&P: A+, Fitch: A+, DBRS: A high
Parent company shares in the bank 100.00%
Country of deposit insurance Germany
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Aaa, S&P: AAA, Fitch: AAA, DBRS: AAA
* As of: April 1, 2025 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Lithuanian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

2.39 % pa
9 months No withholding tax is payable No withholding tax
Sweden (AAA) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 896 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.39% pa
Effective interest rate 2.40% pa
Compound interest No
Duration 9 months
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €1,050,000 SEK per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 1,000.00 € - 85,000.00 €
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax There is no withholding tax in Sweden.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Qred Bank AB

Qred is a Swedish bank founded in 2015 with the mission to improve small business banking and prioritize customer needs. Headquartered in Stockholm, the company operates in several Northern European markets and is the market leader in small business financing in the Nordic region. In its day-to-day operations, Qred focuses particularly on flexible and fair financing—including providing a credit card specifically for entrepreneurs, lending, and factoring services.

About the country

Sweden is a parliamentary democracy with a monarchical head of state and is located in Northern Europe. The country has been a member of the European Union since 1995, but has its own currency, the Swedish krona (SEK). Sweden has a high per capita income and a healthy economy, which is why it has been awarded an AAA credit rating by leading rating agencies.

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Security of your deposits

In accordance with EU Directive 2014/49/EU on deposit guarantee schemes, your deposits – including accrued but not yet credited interest – are protected by the Swedish statutory deposit guarantee scheme up to a maximum of SEK 1,050,000 (the equivalent in euros) per account holder and bank (if you still have balances at the relevant bank outside of World Savings, all amounts are added together and together fall below the limit). Repayment will be made to your World Savings account in euros. The refundable amount will be transferred to the account holder within 7 business days of the deposit guarantee scheme coming into effect. The protection applies to all natural persons, regardless of whether they reside in Sweden or elsewhere. The administrator and enforcer of the deposit guarantee scheme is the Riksgälden (https://www.riksgalden.se/en/).

2.45 % pa
2 years
Latvia (A) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 2,450 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.45% pa
Effective interest rate 2.42% pa
Compound interest No
Duration 2 years
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 50,000.00 € - 100,000.00 €
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax In Latvia, a withholding tax of 25.5% will be levied on interest payments starting January 1, 2025. However, this tax can be reduced. To reduce the withholding tax to 10%, a certificate of residency must be submitted to the bank no later than eight weeks before the due date. This certificate can then be fully credited against capital gains tax in Germany.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Signet Bank AS

Signet Bank was founded in 1992 under the name Latvian Business Bank and is one of Latvia's first banks. Since 2013, Signet Bank's strategy has been focused on business people and their companies. The bank focuses particularly on managing client capital and structuring investment projects. Signet Bank provides customized services for clients' families and businesses.

About the country

Latvia, located in the center of the Baltic states, has been an independent parliamentary democracy since 1991, a member of the European Union (EU) since 2004, and part of the Eurozone since 2014. The Latvian economy is characterized by a high degree of business friendliness, which is also reflected in a large number of successful start-ups, particularly in the capital, Riga. Latvian economic growth is stable, and at 37.9% of GDP (as of 2016), public debt is very low by European standards. Culturally, Latvia is characterized by strong Northern European influences, Hanseatic architecture, and its famous musical folklore.

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Security of your deposits

Deposits, including accrued interest, are legally protected by the Latvian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

1.42 % pa
1.5 years Stay flexible: Flexible deposits are fixed-term deposits that you can withdraw early at any time. Flex money
Finora Bank Logo
Croatia (BBB+) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 1,065 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 1.42% pa
Effective interest rate 1.42% pa
Compound interest No
Duration 1.5 years
Availability Can be terminated early at any time
Interest on early termination 0.00% pa
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €5,000.00 - €100,000.00
Cost No
Extension An extension is possible and can be requested via online banking. Withholding tax Croatia normally imposes a withholding tax of 12%. However, this can be reduced to 0% by submitting a certificate of residence, provided it is provided no later than four weeks before each interest payment. Documents to be submitted To open an account, an original application must be submitted by post. Product information sheet
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Podravska banka dd

Founded in 1872, Podravska banka dd is one of the oldest banks in Croatia. It is a modern financial institution based in Koprivnica, which stands for innovative banking and personalized customer service.

About the country

The Republic of Croatia is a country in Central Europe, a member of the European Union since July 1, 2013, and a member of the Eurozone since 2023. The Croatian economy has been on the upswing since the beginning of 2015 and was further strengthened by the structural reforms adopted in January 2016. Accordingly, EU forecasts for Croatia's economic outlook are positive, not least due to significant increases in trade with Germany.

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Security of your deposits

Deposits, including interest income, are legally protected by the Croatian Deposit Guarantee Fund up to an amount of EUR 100,000 (as of January 1, 2023) per customer and per bank. Further information on deposit guarantees can be found at https://www.haod.hr/en/. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. Please note that this guarantee applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if this customer has additional deposits at the respective bank.

1.50 % pa
2.5 years
Czech Republic (AA-) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 1,875 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 1.50% pa
Effective interest rate 1.48% pa
Compound interest No
Duration 2.5 years
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 SEK per customer and per bank - payout in CZK
Currency EUR
Minimum/maximum deposit 10,000.00 € - 100,000.00 €
Cost No
Extension An extension is possible and can be requested via online banking.
Withholding tax A withholding tax of 15% is generally levied, but this can be reduced to 0%. To qualify for a withholding tax reduction, a certificate of residency must be submitted no later than four weeks before the first interest payment (interest capitalization), and for multi-year fixed-term deposit products, also before the maturity date.
Documents to be submitted To open an account, you must submit an account opening application, a tax form or a scanned supporting document via online banking (see product information sheet).
Product information sheet
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J&T Banka

J&T Banka was founded in Prague in 1998 and is part of the Czech-Slovak J&T Finance Group, which holds investments in various industries, including the energy sector, healthcare, real estate, and media. The Czech football club Sparta Prague is also part of its portfolio. Over the past few years, the bank has established itself as one of the largest private banks on the Czech market. Additional bank branches are operated in Slovakia, Russia, and Croatia, among others. The bank is a reliable partner, especially for clients with high demands on service and product quality. In addition to complex private banking services, J&T Banka offers specialized financing for real estate and corporate acquisitions, as well as securities transactions for private investors.

About the country

The Czech Republic is located in the center of Europe and has been a member of the European Union for over a decade (May 2004), ensuring barrier-free access to the EU market. In terms of economic strength, both countries are highly developed industrial nations and are among the key economies of Central and Eastern Europe. The Czech Republic's national debt-to-GDP ratio is among the lowest in the entire EU and is lower than Germany's. The Czech Republic has received an investment-grade rating with a stable outlook from all major rating agencies. The Czech banking system is considered healthy and stable.

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Security of your deposits

The Czech Republic's statutory deposit guarantee scheme guarantees a maximum protection amount equivalent to EUR 100,000 per bank and customer. In the event of a payout by the Deposit Guarantee Fund, this is made in Czech crowns (CZK) at the exchange rate on the day the deposit guarantee event is determined. Therefore, a currency/exchange rate risk exists. Further information on deposit guarantee schemes can be found at https://www.garancnisystem.cz/de. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if this customer has additional deposits at the respective bank.

2.62 % pa
3 years No withholding tax No withholding tax Recommended by Stiftung AllianzTest: This offer is part of the current best list of the specialist magazine Finanztest of Stiftung AllianzTest. Financial test best list
Luxembourg (AAA) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 3,930 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.62% pa
Effective interest rate 2.62% pa
Compound interest No
Duration 3 years
Availability At the end of the term
Interest credit Yearly
Interest payment Yearly
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 5,000.00 € - 100,000.00 €
Cost No
Extension An extension is possible and can be requested via online banking.
Withholding tax There is no withholding tax in Luxembourg.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

RiverBank

RiverBank is a Luxembourg-based credit institution. Founded in 2017, it specializes in financing solutions for small and medium-sized enterprises (SMEs) in the Benelux countries, France, and Germany. To this end, RiverBank collaborates with a network of diverse advisors and partners—including law firms, tax advisors, and financial institutions. Within its lending business, RiverBank combines banking with the best of financial technology. This allows the bank to offer its customers digitalized and simple processes that have, among other things, significantly simplified and shortened the processing of loan applications.

About the country

Located between Germany, France, and Belgium, Luxembourg, with an area of ​​2,586 km² and a population of approximately 602,000, is one of the smallest member states of the European Union. However, due to its strategic geographical location, the continuous expansion of its foreign relations, and its integration into a larger economic environment, Luxembourg's economy and domestic market extend beyond the narrow confines of the Grand Duchy. Luxembourgers enjoy the second-highest per capita gross domestic product in the world after Qatar. Luxembourg's most important economic sector is finance, with many banks and insurance companies located here. Among the eurozone member states, only Germany, Luxembourg, and the Netherlands enjoy a AAA rating, which was reaffirmed in March 2019. All of Luxembourg's major banks have passed the ECB (European Central Bank) stress tests with excellent results over the past four years. Luxembourg's financial world is increasingly making its mark in the green finance sector, for example with the Luxembourg Green Exchange (LGX), which, as an ecologically oriented stock index, now lists more than 50% of the world's green bonds.

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Security of your deposits

Deposits, including accrued interest, are legally protected by the Luxembourg Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

2.55 % pa
4 years No withholding tax No withholding tax Recommended by Stiftung AllianzTest: This offer is part of the current best list of the specialist magazine Finanztest of Stiftung AllianzTest. Financial test best list
Sweden (AAA) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 5,298 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.55% pa
Effective interest rate 2.55% pa
Compound interest Yes
Duration 4 years
Availability At the end of the term
Interest credit Yearly
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to 1,050,000 SEK per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €500.00 - €85,000.00
Cost No
Extension An extension is possible and can be requested via online banking.
Withholding tax There is no withholding tax in Sweden.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
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Rediem Capital

Rediem Capital AB is a Swedish credit market company operating in several European countries, including Sweden, Germany, Norway, and Finland. Founded in 2015, the bank is a wholly-owned subsidiary of TF Bank, which specializes in managing non-performing loans.

About the country

Sweden is a parliamentary democracy with a monarchical head of state and is located in Northern Europe. The country has been a member of the European Union since 1995, but has its own currency, the Swedish krona (SEK). Sweden has a high per capita income and a healthy economy, which is why it has been awarded an AAA credit rating by leading rating agencies.

Additional bank information
Year of foundation 2015
Place of foundation Stockholm
Sales focus Deposit business, corporate loans
Countries in which the bank has branches Sweden, Germany, Finland, Norway
Total capital ratio specified by the supervisory authority 8.00%
Average return on equity over the last three years 3.60%
Listed on the stock exchange No
Parent company shares in the bank 100%
Country of deposit insurance Sweden
Amount of statutory deposit protection 1,050,000.00 SEK
Country rating Moody's: Aaa, S&P: AAA, Fitch: AAA, DBRS: AAA
* As of: February 4, 2025 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
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Security of your deposits

In accordance with EU Directive 2014/49/EU on deposit guarantee schemes, your deposits – including accrued but not yet credited interest – are protected by the Swedish statutory deposit guarantee scheme up to a maximum of SEK 1,050,000 (the equivalent in euros) per account holder and bank (if you still have balances at the relevant bank outside of World Savings, all amounts are added together and together fall below the limit). Repayment will be made to your World Savings account in euros. The refundable amount will be transferred to the account holder within 7 business days of the deposit guarantee scheme coming into effect. The protection applies to all natural persons, regardless of whether they reside in Sweden or elsewhere. The administrator and enforcer of the deposit guarantee scheme is the Riksgälden (https://www.riksgalden.se/en/).

2.56 % pa
4 years
Lithuania (A) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 5,120 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.56% pa
Effective interest rate 2.47% pa
Compound interest No
Duration 4 years
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €20,000.00 - €95,000.00
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax In Lithuania, a withholding tax of 15% is levied, which can be reduced to 10% if this option is stated in the product information sheet. To qualify for a withholding tax reduction, please submit a certificate of residence and another tax form no later than four weeks before the interest payment date (due date).
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Saldo Bank UAB

Saldo Bank UAB is a specialized bank founded in 2006. A subsidiary of the Finnish fintech company Saldo Finance, it is authorized by the European Central Bank and regulated by the Bank of Lithuania (Central Bank of the Republic of Lithuania). In its daily business, Saldo Bank offers, among other things, credit solutions for consumers and small and medium-sized enterprises (SMEs). The bank uses a fully automated approval system to adapt its credit services to the specific characteristics of each market.

About the country

Lithuania, the southernmost and largest state in the Baltic region, has been an independent semi-presidential democracy since 1990. Like the rest of the Baltic region, Lithuania has been strongly oriented politically and economically towards Europe since its independence and has been a member of the European Union (EU) since 2004 and part of the Eurozone since 2015. Lithuania's economic growth is stable, and its national debt, at 40.2% of GDP (as of 2016), is very low by European standards. Due to its geographical location and long history, Lithuania is culturally diverse and influenced by a wide variety of cultures.

Additional bank information
Year of foundation 2006
Place of foundation Vilnius
Sales focus Corporate loans, consumer loans, deposit business
Countries in which the bank has branches Lithuania, Finland, Sweden
Total capital ratio specified by the supervisory authority 8.00%
Listed on the stock exchange No
Parent company shares in the bank 100%
Country of deposit insurance Lithuania
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: A2, S&P: A, Fitch: A, DBRS: A high
* As of: February 6, 2025 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
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Security of your deposits

Deposits, including accrued interest, are legally protected by the Lithuanian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

2.20 % pa
5 years No withholding tax is payable No withholding tax No withholding tax is payable Financial test best list
France (AA-) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 5,747 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.20% pa
Effective interest rate 2.20% pa
Compound interest Yes
Duration 5 years
Availability At the end of the term
Interest credit Yearly
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €2,000.00 - €100,000.00
Cost No
Extension An extension is possible and can be requested via online banking.
Withholding tax In France, no withholding tax is levied on interest income for persons permanently residing abroad.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Younited Credit

Younited Credit SA is an online banking platform for loans, founded in 2009 by young bankers in Paris. Today, Younited Credit SA is the leading platform for online lending institutions in France. It also operates in Spain and Italy. The platform's goal is to provide borrowers with a faster, easier, and cheaper way to obtain a loan than through the traditional banking system. Similar to the principle of a credit marketplace, the platform brings borrowers and lenders together. Younited Credit SA's offerings include loans, car financing, personal loans, and debt consolidation.

About the country

The French Republic is a democratic centralized state in Western Europe with overseas islands and territories on various continents. France is the sixth-largest economy in the world and, alongside Germany, the most important industrialized country in Europe. The country has been part of the Eurozone since 1999, and France's creditworthiness is currently rated "AA" by leading rating agencies, which corresponds to an investment-grade rating with a stable outlook.

Additional bank information
Year of foundation 2009
Place of foundation Paris
Sales focus Consumer loans, insurance
Countries in which the bank has branches France, Germany, Italy, Portugal, Spain
Total capital ratio specified by the supervisory authority 8.00%
Listed on the stock exchange No
Country of deposit insurance France
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Aa3, S&P: AA-, Fitch: AA-, DBRS: AA high
* As of: March 27, 2025 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the French Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

1.45 % pa
5 years Stay flexible: Flexible deposits are fixed-term deposits that you can withdraw early at any time. Flex money
Croatia (BBB+) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 3,625 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 1.45% pa
Effective interest rate 1.41% pa
Compound interest No
Duration 5 years
Availability Can be terminated early at any time
Interest on early termination 0.00% pa
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €5,000.00 - €100,000.00
Cost No
Extension An extension is possible and can be requested via online banking.
Withholding tax Croatia normally imposes a withholding tax of 12%. However, this can be reduced to 0% by submitting a certificate of residence, provided it is provided no later than four weeks before each interest payment.
Documents to be submitted To open an account, an original application must be submitted by post.
Product information sheet
×

Podravska banka dd

Founded in 1872, Podravska banka dd is one of the oldest banks in Croatia. It is a modern financial institution based in Koprivnica, which stands for innovative banking and personalized customer service.

About the country

The Republic of Croatia is a country in Central Europe, a member of the European Union since July 1, 2013, and a member of the Eurozone since 2023. The Croatian economy has been on the upswing since the beginning of 2015 and was further strengthened by the structural reforms adopted in January 2016. Accordingly, EU forecasts for Croatia's economic outlook are positive, not least due to significant increases in trade with Germany.

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Security of your deposits

Deposits, including interest income, are legally protected by the Croatian Deposit Guarantee Fund up to an amount of EUR 100,000 (as of January 1, 2023) per customer and per bank. Further information on deposit guarantees can be found at https://www.haod.hr/en/. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. Please note that this guarantee applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if this customer has additional deposits at the respective bank.

2.71 % pa
6 years Withholding of capital gains tax, solidarity surcharge and, if applicable, church tax Simplified tax handling
Luxembourg (AAA) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 8,130 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.71% pa
Effective interest rate 2.54% pa
Compound interest No
Duration 6 years
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €5,000.00 - €100,000.00
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax There is no withholding tax in Luxembourg.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

BTG Pactual

BTG Pactual Europe SA is part of the BTG Pactual Group, Latin America's largest investment bank, offering specialized services in wealth management, asset management, investment banking, corporate lending, and sales and trading. Since its founding in 1983, the BTG Pactual Group has embraced a performance-oriented, collaborative culture centered on client focus, excellence, and a long-term vision. BTG Pactual currently employs over 7,000 people in offices in Brazil, the United States, Luxembourg, the United Kingdom, Portugal, Spain, Mexico, Colombia, Chile, Peru, and Argentina. The group boasts a solid balance sheet, state-of-the-art technology, and is poised to offer a global advisory service to protect and grow its clients' wealth. BTG Pactual Europe is a Luxembourg-based credit institution supervised by the Commission de Surveillance du Secteur Financier (CSSF). The bank places particular emphasis on serving European clients with financial or business ties to South America.

About the country

Located between Germany, France, and Belgium, Luxembourg, with an area of ​​2,586 km² and a population of approximately 602,000, is one of the smallest member states of the European Union. However, due to its strategic geographical location, the continuous expansion of its foreign relations, and its integration into a larger economic environment, Luxembourg's economy and domestic market extend beyond the narrow confines of the Grand Duchy. Luxembourgers enjoy the second-highest per capita gross domestic product in the world after Qatar. Luxembourg's most important economic sector is finance, with many banks and insurance companies located here. Among the eurozone member states, only Germany, Luxembourg, and the Netherlands enjoy a AAA rating, which was reaffirmed in March 2019. All of Luxembourg's major banks have passed the ECB (European Central Bank) stress tests with excellent results over the past four years. Luxembourg's financial world is increasingly making its mark in the green finance sector, for example with the Luxembourg Green Exchange (LGX), which, as an ecologically oriented stock index, now lists more than 50% of the world's green bonds.

×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Luxembourg Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were invested at the respective bank.

2.02 % pa
6 years Withholding of capital gains tax, solidarity surcharge and, if applicable, church tax Simplified tax handling
Italy (BBB) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 6,060 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.02% pa
Effective interest rate 2.02% pa
Compound interest No
Duration 6 years
Availability At the end of the term
Interest credit Yearly
Interest payment Yearly
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €10,000.00 - €100,000.00
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax For private customers, the following applies: withholding tax and, if applicable, church tax. An exemption order can be applied for; we will provide you with the "exemption order" form in your online banking after you open your account. All income must be declared in your tax return.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

South Tyrolean savings bank Cassa di Risparmio di Bolzano

Südtiroler Sparkasse – Cassa di Risparmio di Bolzano is the largest credit institution in South Tyrol, Italy. Founded in 1854, it is considered independent. Headquartered in Bolzano, the bank currently operates more than 100 branches, primarily in South Tyrol, the neighboring province of Trentino, and the northeastern province of Veneto. The bank also maintains an EU branch in Munich. The branch network is complemented by advisory centers in the most important economic centers of northern Italy, such as Milan, Verona, Padua, and Venice-Mestre. In its daily business, Südtiroler Sparkasse focuses on financing solutions for private customers, small and medium-sized enterprises (SMEs), and public administration. In addition to traditional banking, the bank offers corporate finance services and—in collaboration with specialized partners—wealth management and insurance products.

About the country

Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Additional bank information
Year of foundation 1854
Place of foundation Munich
Sales focus Private banking, corporate banking, deposit-taking, securities trading, consumer loans, corporate loans, real estate financing for private individuals, insurance, leasing, factoring
Countries in which the bank has branches Italy, Germany
Total capital ratio specified by the supervisory authority 8.00%
Average return on equity over the last three years 9.22%
Listed on the stock exchange No
Country of deposit insurance Italy
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 10, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
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Security of your deposits

Deposits, including accrued interest, are legally protected by the Italian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

2.90 % pa
7 years Withholding of capital gains tax, solidarity surcharge and, if applicable, church tax Simplified tax handling
Germany (AAA) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 10,150 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.90% pa
Effective interest rate 2.90% pa
Compound interest No
Duration 7 years
Availability At the end of the term
Interest credit Yearly
Interest payment Yearly
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 1,000.00 € - 100,000.00 €
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax In Germany, interest income is subject to withholding tax, the solidarity surcharge, and, if applicable, church tax. Allianz Bank is obligated to withhold tax. The tax treatment depends on the investor's personal circumstances.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

AKA Bank

Founded in 1952 and headquartered in Frankfurt am Main, AKA Ausfuhrkredit-Gesellschaft mbH specializes in international export and trade finance. Its core product is the provision of government-backed loans to finance European export transactions. AKA's operations are strengthened by its close cooperation with its partner banks, which comprise leading German universal banks and specialized institutions, as well as European banks.

About the country

The Federal Republic of Germany is by far the strongest trading nation among the member states of the European Union. Germany is one of the few countries worldwide to boast the highest possible AAA rating (highest credit rating) from all three major rating agencies.

×

Security of your deposits

Deposits, including accrued interest, are legally protected up to an amount of EUR 100,000 per customer and per bank by the German Banking Compensation Scheme (Bedarfseinrichtung deutscher Banken GmbH). Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only deposits from a customer brokered through this platform were invested at a specific bank, but also if additional deposits from this customer were also invested at the respective bank.

2.50 % pa
7 years
Belgium (AA) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 9,434 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.50% pa
Effective interest rate 2.50% pa
Compound interest Yes
Duration 7 years
Availability At the end of the term
Interest credit Yearly
Interest payment Yearly
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €5,000.00 - €100,000.00
Cost No
Extension An extension is not possible.
Withholding tax In Belgium, a withholding tax of 30% is withheld if you either provide the bank with the tax form ("Withholding Tax Exemption for Non-Resident Savers") or agree to the explanations on the tax form during the account opening process in online banking. With either approach, the withholding tax can be reduced to 0%. The process varies from bank to bank. If a form is required, we will provide it pre-filled with your data in online banking during the account opening process. You then return it to us, signed and scanned, or by mail. For more detailed information, please refer to the product information sheet.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

BankB

BankB (formerly CKV Spaarbank) is an independent Belgian savings bank founded in 1956. Its headquarters are in Waregem (West Flanders). The bank offers a wide range of traditional savings products as well as customized credit solutions for private and business customers. As a non-listed financial institution, BankB is supervised by the National Bank of Belgium and the Financial Services and Markets Authority (FSMA).

About the country

The Kingdom of Belgium, with approximately 11 million inhabitants, is a Western European country with Brussels as its capital. Since 1957, the country has been a founding member of what was then the European Economic Community, now the European Union. Thanks to its location in the heart of Europe, not only are several European institutions, such as the Commission and the European Parliament, headquartered in Brussels, but Belgium is also one of the world's largest exporters of goods.

Additional bank information
Year of foundation 1956
Place of foundation Waregem
Number of employees 65
Sales focus Deposit business, consumer loans, deposit business, real estate financing for private individuals, commercial real estate financing
Countries in which the bank has branches Belgium
Total capital ratio 17.60%
Total capital ratio specified by the supervisory authority 8.00%
Latest return on equity 10.32%
Average return on equity over the last three years 17.36%
Listed on the stock exchange No
Parent company shares in the bank 99.99%
Country of deposit insurance Belgium
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Aa3, S&P: AA, Fitch: AA-, DBRS: AA high
* As of: December 13, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Belgian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

3.40 % pa
10 years No withholding tax is payable No withholding tax
Italy (BBB) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 17,000 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 3.40% pa
Effective interest rate 2.97% pa
Compound interest No
Duration 10 years
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €20,000.00 - €100,000.00
Cost No
Extension An extension is possible and can be requested via online banking.
Withholding tax There is no withholding tax in Italy.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Banca Sistema

Banca Sistema, originally from Italy, was founded in Milan in 2011 and now also has offices in Rome and London. Its initial public offering (IPO) in the Star Segment of the Borsa Italiana took place in June 2015. Banca Sistema's offerings include the purchase of commercial receivables from Italian public administrations and tax receivables.

About the country

Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Additional bank information
Year of foundation 2011
Place of foundation Milan
Number of employees 208
Sales focus Private banking, corporate banking, deposit business, securities trading, factoring
Countries in which the bank has branches Italy, Spain
Total capital ratio 18.30%
Total capital ratio specified by the supervisory authority 8.00%
Listed on the stock exchange Yes
Parent company shares in the bank 50.20%
Country of deposit insurance Italy
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 10, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Italian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

2.90 % pa
7 years Withholding of capital gains tax, solidarity surcharge and, if applicable, church tax Simplified tax handling
Germany (AAA) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 10,150 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.90% pa
Effective interest rate 2.90% pa
Compound interest No
Duration 7 years
Availability At the end of the term
Interest credit Yearly
Interest payment Yearly
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 1,000.00 € - 100,000.00 €
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax In Germany, interest income is subject to withholding tax, the solidarity surcharge, and, if applicable, church tax. Allianz Bank is obligated to withhold tax. The tax treatment depends on the investor's personal circumstances.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Aareal Bank AG

Aareal Bank AG, headquartered in Wiesbaden, is a leading international real estate specialist. The bank's origins date back to 1923. It offers financing, software products, and digital solutions for the real estate sector and related industries. Aareal Bank operates on three continents – Europe, North America, and Asia/Pacific – and supports real estate financing in more than 20 countries.

About the country

The Federal Republic of Germany is by far the strongest trading nation among the member states of the European Union. Germany is one of the few countries worldwide to boast the highest possible AAA rating (highest credit rating) from all three major rating agencies.

Additional bank information
Year of foundation 1923
Place of foundation Berlin
Number of employees 1045
Number of branches / offices 14
Sales focus Corporate banking, deposit-taking, payment solutions, commercial real estate financing
Countries in which the bank has branches Germany, France, Ireland, Italy, Poland, Sweden, Singapore, Spain, Turkey, United Kingdom, United States of America
Total capital ratio 23.50%
Total capital ratio specified by the supervisory authority 8.00%
Latest return on equity 1.40%
Average return on equity over the last three years 2.83%
Listed on the stock exchange Yes
Market capitalization (if listed) 1990M EUR
Bank rating Moody's: Baa1, Fitch: BBB
Parent company shares in the bank 100.00%
Country of deposit protection Germany
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Aaa, S&P: AAA, Fitch: AAA, DBRS: AAA
* As of: December 5, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected up to an amount of EUR 100,000 per customer and per bank by the German Banking Compensation Scheme (Bedarfseinrichtung deutscher Banken GmbH). Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only deposits from a customer brokered through this platform were invested at a specific bank, but also if additional deposits from this customer were also invested at the respective bank.

2.90 % pa
5 years No withholding tax is payable No withholding tax
Italy (BBB) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 7,250 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.90% pa
Effective interest rate 2.78% pa
Compound interest No
Duration 5 years
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €10,000.00 - €90,000.00
Cost No
Extension An extension will be initiated automatically unless you deactivate it in online banking.
Withholding tax There is no withholding tax in Italy.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Banca Progetto

The Italian Banca Progetto was founded in 1994 and has been part of Oaktree Capital Management LP, one of the world's largest investment firms, since December 2015. Headquartered in Milan, the bank maintains a branch in Rome and a network of offices throughout Italy. As a provider of financing solutions, Banca Progetto specializes in the public sector and small and medium-sized enterprises. Since March 21, 2025, the Italian financial regulator, the Bank of Italy, has temporarily assumed extraordinary management of the bank. The bank continues to operate normally. Additional information can be found in the press release.

About the country

Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Additional bank information
Year of foundation 1994
Place of foundation Milan
Number of employees 243
Number of branches / offices 63
Sales focus Retail banking, deposit-taking, consumer loans, corporate loans, factoring
Countries in which the bank has branches Italy
Total capital ratio 17.23%
Total capital ratio specified by the supervisory authority 8.00%
Latest return on equity 28.80%
Average return on equity over the last three years 29.07%
Listed on the stock exchange No
Parent company shares in the bank 99.82%
Country of deposit protection Italy
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 10, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Italian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

2.80 % pa
2 years
Slovakia (A+) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 2,800 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.80% pa
Effective interest rate 2.76% pa
Compound interest No
Duration 2 years
Availability At the end of the term
Interest credit At the end of the term
Interest payment At the end of the term
Interest rate changes Fixed interest rate during the term.
Investment
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €5,000.00 - €100,000.00
Cost No
Extension An extension is possible and can be requested via online banking.
Withholding tax A withholding tax of 19% is generally levied, but this can be reduced to 0%. To qualify for a withholding tax reduction, a certificate of residence must be submitted no later than 28 days before the first interest payment.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Privatbanka, as

Privatbanka was founded in Slovakia in 2005. It was the first Slovak bank to focus on private banking for wealthy clients. Today, the bank offers specialized services to both private and business clients. In addition to traditional banking products, its offerings include the creation of individual investment strategies and customized investment solutions.

About the country

The Slovak Republic is a country in Central Europe and has been a member of the European Union and NATO since 2004. The euro has been the national currency since 2007. At 53% of gross domestic product in 2015, national debt was lower than in Germany. EU forecasts for the economic outlook in the Slovak Republic are positive; the country has been awarded an investment-grade rating by leading rating agencies, indicating a stable outlook.

Additional bank information
Year of foundation 2005
Place of foundation Bratislava
Number of employees 183
Number of branches / offices 12
Sales focus Asset management, deposit business, payment solutions
Countries in which the bank has branches Slovakia, Czech Republic
Total capital ratio specified by the supervisory authority 8.00%
Latest return on equity 19.10%
Average return on equity over the last three years 14.06%
Listed on the stock exchange No
Parent company shares in the bank 100%
Country of deposit protection Slovakia
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: A3, S&P: A+, Fitch: A-, DBRS: A
* As of: January 29, 2025 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits – including accrued interest – are guaranteed up to an amount of EUR 100,000 per customer and bank by the Slovak Deposit Guarantee Fund. Within the European Union, the minimum requirements for the deposit guarantee scheme of the individual member states have been harmonized by EU Directives 1994/19/EC, 2009/14/EC, and 2014/49/EU. Please note that deposit coverage refers to the total deposits a customer has with a bank. This is important if a customer has not only deposited money with a bank through Allianz but also holds other deposits with the bank.

2.00 % pa
34 days Withholding of capital gains tax, solidarity surcharge and, if applicable, church tax Simplified tax handling
Italy (BBB) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 1,014 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.00% pa
Effective interest rate 2.00% pa
Compound interest Yes
Availability Fully available daily. Investment amount and interest are paid out within 34 days.
Interest credit Yearly
Interest payment Yearly
Interest rate changes The interest rate is subject to change at any time. We will notify you accordingly in advance.
Investment
Special Features Deposits and withdrawals of partial amounts are not possible. Only the entire investment amount can be canceled.
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €10,000.00 - €100,000.00
Cost No
Extension An extension is not possible.
Withholding tax For private customers, the following applies: withholding tax and, if applicable, church tax. An exemption order can be applied for; we will provide you with the "exemption order" form in your online banking after you open your account. All income must be declared in your tax return.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

South Tyrolean savings bank Cassa di Risparmio di Bolzano

Südtiroler Sparkasse – Cassa di Risparmio di Bolzano is the largest credit institution in South Tyrol, Italy. Founded in 1854, it is considered independent. Headquartered in Bolzano, the bank currently operates more than 100 branches, primarily in South Tyrol, the neighboring province of Trentino, and the northeastern province of Veneto. The bank also maintains an EU branch in Munich. The branch network is complemented by advisory centers in the most important economic centers of northern Italy, such as Milan, Verona, Padua, and Venice-Mestre. In its daily business, Südtiroler Sparkasse focuses on financing solutions for private customers, small and medium-sized enterprises (SMEs), and public administration. In addition to traditional banking, the bank offers corporate finance services and—in collaboration with specialized partners—wealth management and insurance products.

About the country

Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Additional bank information
Year of foundation 1854
Place of foundation Munich
Sales focus Private banking, corporate banking, deposit-taking, securities trading, consumer loans, corporate loans, real estate financing for private individuals, insurance, leasing, factoring
Countries in which the bank has branches Italy, Germany
Total capital ratio specified by the supervisory authority 8.00%
Average return on equity over the last three years 9.22%
Listed on the stock exchange No
Country of deposit insurance Italy
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 10, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Italian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

2.00 % pa
31 days
Latvia (A) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 1,014 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 2.00% pa
Effective interest rate 2.00% pa
Compound interest No
Availability Fully available daily. Investment amount and interest are paid out within 31 days.
Interest rate changes The interest rate is subject to change at any time. We will notify you accordingly in advance.
Investment
Special Features Deposits and withdrawals of partial amounts are not possible. Only the entire investment amount can be canceled.
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit 1.00 € - 100,000.00 €
Cost No
Withholding tax In Latvia, a withholding tax of 25.5% will be levied on interest payments starting January 1, 2025. However, this tax can be reduced. To reduce the withholding tax to 10%, a certificate of residency must be submitted to the bank no later than eight weeks before the due date. This certificate can then be fully credited against capital gains tax in Germany.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

BluOr Bank AS

BluOr Bank AS is a Latvian bank headquartered in Riga. The bank was founded in 2001 by BBG AS Holding, owned by four Latvian entrepreneurs. Originally established as a bank solely for companies engaged in international trade or as a holding company, BluOr Bank has now also established itself as a credit institution offering services to private clients.

About the country

Latvia, located in the center of the Baltic states, has been an independent parliamentary democracy since 1991, a member of the European Union (EU) since 2004, and part of the Eurozone since 2014. The Latvian economy is characterized by a high degree of business friendliness, which is also reflected in a large number of successful start-ups, particularly in the capital, Riga. Latvian economic growth is stable, and at 37.9% of GDP (as of 2016), public debt is very low by European standards. Culturally, Latvia is characterized by strong Northern European influences, Hanseatic architecture, and its famous musical folklore.

Additional bank information
Year of foundation 2001
Place of foundation Riga
Sales focus Investment banking, retail banking, corporate banking, corporate lending, deposit-taking, foreign exchange, safe deposit box rental, asset management
Countries in which the bank has branches Latvia, Estonia, Lithuania
Total capital ratio 14.87%
Total capital ratio specified by the supervisory authority 8.00%
Latest return on equity 20.85%
Average return on equity over the last three years 9.47%
Listed on the stock exchange No
Parent company shares in the bank 100.00%
Country of deposit insurance Latvia
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: A3, S&P: A, Fitch: A-, DBRS: A
* As of: December 10, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Latvian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

1.50 % pa
31 days No withholding tax is payable No withholding tax
Italy (BBB) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 760 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 1.50% pa
Effective interest rate 1.50% pa
Compound interest Yes
Availability Fully available daily. Investment amount and interest are paid out within 31 days.
Interest credit Yearly
Interest rate changes The interest rate is subject to change at any time. We will notify you accordingly in advance.
Investment
Special Features Deposits and withdrawals of partial amounts are not possible. Only the entire investment amount can be canceled.
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €20,000.00 - €100,000.00
Cost No
Withholding tax There is no withholding tax in Italy.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

CiviBank

Founded in 1886, Banca di Cividale (CiviBank) is an independent cooperative bank. In addition to its headquarters in Cividale del Friuli, a municipality in the Italian province of Udine, the bank maintains more than 60 branches in northeastern Italy, where it enjoys the status of a local benchmark bank. Banca di Cividale's offerings are aimed at individuals, families, and businesses, offering traditional banking products, financing solutions, and insurance. Furthermore, the bank focuses on sustainable development and the promotion of environmental projects. Furthermore, Banca di Cividale supports local clubs through its specially launched crowdfunding portal, which aims to further promote social, cultural, and sporting developments in the region.

About the country

Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Additional bank information
Year of foundation 1886
Place of foundation Cividale del Friuli
Number of employees 532
Sales focus Retail Banking, Corporate Banking, Deposit-Taking, Factoring, Agriculture, Leasing, Corporate Lending, Consumer Lending, Insurance, Payment Solutions, Real Estate Financing for Private Individuals, Commercial Real Estate Financing
Countries in which the bank has branches Italy
Total capital ratio 16.20%
Total capital ratio specified by the supervisory authority 8.00%
Latest return on equity 3.70%
Average return on equity over the last three years -0.60%
Listed on the stock exchange No
Parent company shares in the bank 79.10%
Country of deposit insurance Italy
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 13, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Italian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

0.05 % pa
366 days No withholding tax is payable No withholding tax
Italy (BBB) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 25 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 0.05% pa
Effective interest rate 0.05% pa
Compound interest Yes
Availability Fully available daily. Investment amount and interest are paid out within 366 days.
Interest credit Yearly
Interest rate changes The interest rate is subject to change at any time. We will notify you accordingly in advance.
Investment
Special Features Deposits and withdrawals of partial amounts are not possible. Only the entire investment amount can be canceled.
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €10,000.00 - €100,000.00
Cost No
Withholding tax There is no withholding tax in Italy.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
×

Illimity

illimity SpA was founded in 2018 by Italian manager and politician Corrado Passera. This high-tech banking group was established with the goal of responding to specific market needs through an innovative and specialized business model. The bank pursues a clear mission: to recognize and promote the potential of individuals, families, and companies through a combination of technological and human skills. Specifically, illimity SpA grants loans to high-potential small and medium-sized enterprises (SMEs) and acquires distressed corporate loans, which it manages through its proprietary platform (neprix). Through illimity SGR, the group also develops and manages alternative investment funds and manages UTP loans. illimity SpA has been listed on the Italian stock exchange since March 2019.

About the country

Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Additional bank information
Year of foundation 2019
Place of foundation Milan
Number of employees 542
Number of branches / offices 1
Sales focus Factoring, corporate banking, investment and brokerage services, corporate loans, asset management
Countries in which the bank has branches Italy
Total capital ratio 19.38%
Total capital ratio specified by the supervisory authority 8.00%
Listed on the stock exchange Yes
Market capitalization (if listed) 277M EUR
Bank Rating Moody's: Baa3, Fitch: BB-
Parent company shares in the bank 10.00%
Country of deposit insurance Italy
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 18, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
×

Security of your deposits

Deposits, including accrued interest, are legally protected by the Italian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

0.05 % pa
31 days No withholding tax is payable No withholding tax
Italy (BBB) ? The Standard & Poor's Country Rating is an assessment of a country's creditworthiness. It is based on an analysis of institutional effectiveness, governance, economic structure, growth prospects, external finance, and fiscal and monetary flexibility.
in EUR
+ 25 € ? Depending on the offer and the calculation method used by the bank, the calculated interest income may differ from the actual interest income.
Invest now
×
Interest
Nominal interest rate 0.05% pa
Effective interest rate 0.05% pa
Compound interest Yes
Availability Fully available daily. Investment amount and interest are paid out within 31 days.
Interest credit Yearly
Interest rate changes The interest rate is subject to change at any time. We will notify you accordingly in advance.
Investment
Special Features Deposits and withdrawals of partial amounts are not possible. Only the entire investment amount can be canceled.
Deposit protection Up to €100,000 per customer and per bank - payout in EUR
Currency EUR
Minimum/maximum deposit €10,000.00 - €100,000.00
Cost No
Withholding tax There is no withholding tax in Italy.
Documents to be submitted To open an account, all you need to do is place an electronic order in online banking.
Product information sheet
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Illimity

illimity SpA was founded in 2018 by Italian manager and politician Corrado Passera. This high-tech banking group was established with the goal of responding to specific market needs through an innovative and specialized business model. The bank pursues a clear mission: to recognize and promote the potential of individuals, families, and companies through a combination of technological and human skills. Specifically, illimity SpA grants loans to high-potential small and medium-sized enterprises (SMEs) and acquires distressed corporate loans, which it manages through its proprietary platform (neprix). Through illimity SGR, the group also develops and manages alternative investment funds and manages UTP loans. illimity SpA has been listed on the Italian stock exchange since March 2019.

About the country

Italy is a republic in Southern Europe, one of the world's largest economies, and ranked among the most highly developed countries according to the Human Development Index. Italy is a founding member of the EU, and the euro has been legal tender since 2002. Germany is Italy's most important trading partner in terms of both exports and imports.

Additional bank information
Year of foundation 2019
Place of foundation Milan
Number of employees 542
Number of branches / offices 1
Sales focus Factoring, corporate banking, investment and brokerage services, corporate loans, asset management
Countries in which the bank has branches Italy
Total capital ratio 19.38%
Total capital ratio specified by the supervisory authority 8.00%
Listed on the stock exchange Yes
Market capitalization (if listed) 277M EUR
Bank Rating Moody's: Baa3, Fitch: BB-
Parent company shares in the bank 10.00%
Country of deposit insurance Italy
Amount of statutory deposit protection 100,000.00 €
Country rating Moody's: Baa3, S&P: BBB, Fitch: BBB, DBRS: BBB high
* As of: December 18, 2024 - The data is provided by our partner FMH-Finanzberatung eK for private use. Allianz SE assumes no liability for the timeliness, accuracy, or completeness of the information. FMH-Finanzberatung specializes in information on interest rates and financial products and has been collecting financial data in Germany since 1986 and preparing it for consumers, banks, and editorial teams.
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Security of your deposits

Deposits, including accrued interest, are legally protected by the Italian Deposit Guarantee Fund up to an amount of EUR 100,000 per customer and per bank. Within the European Union, the minimum requirements are harmonized across all member states by Directives 94/19/EC, 2009/14/EC, and 2014/49/EU. It should be noted that this protection applies to a customer's entire deposits at a bank. This is relevant if not only the deposits brokered through Allianz were invested at a specific bank, but also if other deposits from this customer were also invested at the respective bank.

Open your Allianz account in three easy steps

Register and identify yourself

01

Open your free Allianz account quickly and easily using the VideoIdent process. After successful verification, you can access all our savings products.

Choose an offer

02

Choose the right offer for you from our fixed-term deposits and call deposits.

Transfer Money

03

Transfer the desired investment amount to your Allianz account or authorize direct debit. Our online banking gives you full control at all times.

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The most important thing in brief

  • How it works: Fixed-term deposits are investments with fixed interest rates throughout the entire term, which can range from one month to ten years.
  • Interest income: The larger the investment amount, the higher the interest rate, and the longer the term, the higher the interest income. Savers can often earn higher interest rates on fixed-term deposits in other European countries than at German banks.
  • Deposit protection: Fixed-term deposits are covered by the EU-wide deposit guarantee scheme. This protects deposits up to €100,000 per investor and bank.

How much do fixed-term deposits earn?

At Allianz, you currently receive up to 3.15% interest per annum on your fixed-term deposits. Fixed-term deposit interest rates depend on the base rate and the deposit rate of the European Central Bank (ECB).

Term (Months) Maximum Interest Rate (p.a.)
3 2.50%
6 2.55%
9 2.57%
12 2.67%
24 2.80%
36 2.85%
48 2.80%
60 2.90%
120 3.15%

Since the interest rate on fixed-term deposits remains constant throughout the entire term, investors can calculate exactly what profit they will make at the end of the term. Interest rates generally increase with longer terms. Comparing fixed-term deposit interest rates can help you find current fixed-term deposit offers with the best conditions.

May Update: Continue to benefit from attractive interest rates

Last updated: May 5, 2025

The inflation rate in the European Union (EU) is currently 2.10% (as of May 2025). Interest rates in the eurozone therefore continue to benefit from the high level of the European Central Bank's (ECB) key interest rates. The deposit rate is currently 2.25% (as of May 2025), after the ECB announced its seventh interest rate cut since the interest rate turnaround in April 2025.

Although the recent interest rate cuts are affecting interest rates on savings accounts, interest rates may still be attractive for savers. It may be worthwhile to look beyond Germany's borders: Fixed-term deposit interest rates can be higher in other EU countries than in Germany. At Allianz, savers receive attractive interest rates on fixed-term deposits in Germany and other EU countries – even for short terms. For example, if you invest your money for a fixed term of one year, you can earn up to 2.67% interest per annum. For longer-term investments, fixed-term deposits with a term of five years offer up to 2.90% interest per annum.

Compare fixed-term deposits now

What Is a Fixed-Term Deposit?

A fixed-term deposit is a type of savings account where a specific amount of money is invested for a set period at a fixed interest rate. This makes it a fixed-interest investment. One key advantage is that savers know from the beginning exactly what return to expect. In general, the longer the term, the higher the interest rate—and therefore the return.

Typically, the money cannot be accessed before the end of the agreed term. Once the term ends, the investor receives the original amount along with the earned interest. While fixed-term deposits are less flexible than overnight accounts, they often offer more attractive interest rates. For long-term savings goals, a fixed-term deposit account may be the ideal option.

How to achieve the highest return with fixed-term deposits

  • Fixed-term deposit returns depend on three components: the investment amount, the duration, and the interest rate. The more you invest over a longer period at attractive interest rates, the higher the return.
  • However, returns are always relative, since inflation reduces the real value of your savings. The aim of fixed-term investing is often to counter inflation rather than to grow wealth significantly.
  • Whether compound interest is applied depends on the specific offer, which can influence the total return.
  • With the laddering strategy, savers can open multiple fixed-term accounts with staggered maturities. This allows for regular reinvestment and taking advantage of the best available interest rates.

Do fixed-term deposits offer compound interest?

Fixed-term deposits generally operate without compound interest, as interest is only calculated at the end of the term. However, in exceptional cases, there are fixed-term deposits that offer compound interest. Information on this can be obtained from the respective bank and in the fixed-term deposit account details. It may be worthwhile to consider compound interest when comparing fixed-term deposits to find the best offer for you.

Fixed Deposit Amount €2,500 €13,000 €75,000
Term 2 years 3 years 2 years
Interest Rate 3.30% p.a. 3.45% p.a. 3.45% p.a.
Profit at Maturity €165 €1,345.50 €5,175
Amount You Receive €2,665 €14,345.50 €80,175

Fixed-Term Deposit Comparison: Choosing the Right Term

Fixed-term deposits are available with durations ranging from a few months to several years. In general, the longer the term, the higher the interest rate. However, this principle typically only applies up to around five years. Beyond that, longer terms do not currently offer significantly higher interest rates (as of May 2025).

The interest rates for fixed-term deposits are influenced by the European Central Bank’s key interest rate. In periods where the ECB is Allianzg rates, short-term deposits of 12 months or less can be a smart choice, allowing investors to quickly reinvest in new, more favorable offers as they become available.

In June 2024, the ECB initiated its first rate cut in years. If the base rate continues to fall or remains low, it might be wise to lock in current interest rates for a longer period before they decline further. In this scenario, choosing a fixed-term deposit of 2 years or more could be beneficial. Since funds are only accessible after the term ends, it's advisable to invest only the amount you won’t need access to during that time.

Short-Term Fixed Deposit for Three Months

A three-month fixed deposit allows savers to invest capital for a short period while benefiting from a fixed interest rate. Currently, rates of up to 2.50% p.a. are available. The interest rate is generally slightly higher than overnight savings accounts but usually lower than those of long-term fixed deposit offers.

This type of investment can be ideal if rising interest rates are expected in the near future and you plan to reinvest later at better conditions. It’s also useful for managing larger cash reserves—allowing you to invest a portion at a better rate while keeping liquidity through an overnight account. To further increase flexibility, laddering fixed deposits with staggered maturities ensures that part of your funds becomes available each month.

Plan Flexibly and Secure Interest with a Six-Month Fixed Deposit

A six-month fixed deposit is a great option for those who want to invest funds for a short but manageable period. Currently, interest rates of up to 2.55% p.a. are available. With fixed-term deposits, interest rates remain constant throughout the term, allowing for reliable financial planning.

A six-month term can be especially useful when major purchases are planned and you want your money to earn interest until then. It’s also a smart choice in times of fluctuating interest rate markets, offering flexibility to react to changes in rates. In most comparisons, six-month fixed deposit rates tend to be higher than those for three-month terms.

Invest Mid-Term with a One-Year Fixed Deposit

A one-year fixed deposit allows savers to tie up their capital for a mid-term period while earning attractive interest. Currently, rates of up to 2.67% p.a. are available. This type of investment can be ideal when major expenses—such as buying a home, renovating a property, or purchasing a new car—are planned for about twelve months from now. In most cases, interest rates for one-year fixed deposits are higher than those for six-month terms, making it a strong option for balancing returns and flexibility.

Compare fixed deposits for 1 year

Invest Long-Term with Fixed Deposits from Two to Ten Years

Fixed-term deposits with durations between two and ten years allow for long-term investment of capital at attractive interest rates. This term is especially suitable for financial assets that can be set aside for the long term, such as:

  • Reserves for retirement planning
  • Planned major investments in a few years

These fixed deposits can serve as a low-risk addition to long-term financial planning—for example, to balance stock-based investments like funds or ETFs. Since the interest rate is fixed for the entire term, it remains stable regardless of market fluctuations. In most comparisons, longer durations offer better rates, making long-term fixed deposits an appealing option for earning consistent returns.

Laddering Strategy – Spread Your Savings & Benefit from Higher Rates

The so-called laddering strategy involves distributing your investment across multiple fixed-term deposit accounts with staggered maturities—for example, one, two, and three years. This approach provides a degree of flexibility, allowing savers to respond to rising interest rates as each deposit matures. When a term ends, the funds can be reinvested with the bank offering the most attractive rates. Compared to locking all funds into a single three-year term, this method can lead to higher overall returns.

By using the laddering strategy, a portion of the investment becomes available at regular intervals, which can be used for unexpected expenses. If all the money is tied up in a single fixed deposit, access is only possible at the end of the term. That’s why the laddering strategy is well suited for investors who want to stay flexible and take advantage of the best current fixed deposit rates.

How Safe Is a Fixed-Term Deposit?

Fixed-term deposits are considered a low-risk form of investment. Within the EU, they are protected by the statutory deposit guarantee scheme. Funds held in a fixed deposit account are insured up to €100,000 per investor and bank. If the deposit guarantee fund is based in a foreign currency, protection is provided in that currency, and the coverage amount may depend on the current exchange rate.

The deposit guarantee ensures that savings up to a certain limit are protected even in the event of a bank's insolvency. In addition to the legal guarantee, many banks also contribute to private deposit protection funds, which may offer coverage above €100,000. In our fixed deposit comparison, you can check the deposit protection level of each partner bank with a single click.

Who Should Consider a Fixed-Term Deposit?

Fixed-term deposits are often best suited for risk-averse investors. Regardless of interest rate fluctuations, they offer stable returns over the entire term. This type of investment is ideal for savers who can afford to set aside part of their savings for a few months or years in exchange for an attractive fixed return. It can also be a solid option for preserving wealth or as part of a retirement savings strategy.

How Does Fixed-Term Investing Work with Allianz?

With Allianz and its partner banks across Europe, savers gain access to established financial institutions with proven expertise. Since 2013, the platform has provided investors with a simple and fast way to access free fixed-term and overnight deposit accounts, along with a range of additional investment opportunities.

Security

Allianz Bank holds a full German banking license and is supervised by BaFin (Federal Financial Supervisory Authority). The bank is also subject to the German Deposit Guarantee Act. Allianz’s partner banks are authorized by the relevant supervisory authorities in their respective countries to conduct banking activities. Additionally, all partner banks located within the EU and Norway are registered as cross-border credit institutions by the Financial Market Authority (FMA).

Requirements for Opening a Fixed-Term Deposit Account

A fixed-term deposit account can be opened with Allianz under the following conditions:

  • Must be of legal age (18 or older)
  • Acting in your own name
  • Residence in Germany
  • Reference account with a bank based in the EU
  • Valid email address

What Documents Are Required to Open a Fixed-Term Deposit Account?

The documents required to open a fixed-term deposit account depend on the specific requirements of each partner bank. Depending on the country’s regulations, the application can usually be uploaded directly via Allianz’s online banking platform. Some banks may also require the original signed application by post.

In addition, a copy of your ID is required. If this was not already provided during the identification process, it can be uploaded as a scanned copy in your online banking area. Further details about the necessary documents can be found in the respective product information sheet.

What Is the Minimum Deposit for Fixed-Term Accounts?

There are no legal regulations specifying a minimum or maximum amount for fixed-term deposits. The minimum deposit depends on the bank’s individual offer and usually ranges between €500 and €10,000. Therefore, it’s important to check the conditions of each offer carefully when comparing fixed-term deposit accounts.

How Are Fixed-Term Deposit Earnings Taxed?

Interest earnings from fixed-term deposits count as capital income. As such, they are subject to a flat tax of 25%, plus a 5.5% solidarity surcharge and, if applicable, church tax.

The flat tax is automatically withheld by the bank and paid to the tax office. Since 2009, savers benefit from a savings allowance, which defines the tax-free portion of capital income. As of 2025, up to €1,000 per person per year is tax-free, or €2,000 for jointly assessed couples. To apply this exemption, you must submit an exemption order (Freistellungsauftrag) to your bank. This allowance can also be split across multiple banks.

Some countries additionally impose a withholding tax on interest income, with rates varying from 0.00% to 35.00% depending on the country. This tax is withheld directly by the foreign bank and remitted to the local tax authority. Whether your fixed-term deposit is subject to a withholding tax can be seen at a glance in our deposit comparison tool.

Benefit from the Best Rates in Our Fixed-Term Deposit Comparison

Fixed-term deposits are a classic and low-risk investment option that can offer attractive returns at any time. In our fixed deposit comparison, interest rates primarily depend on the term duration and the creditworthiness of the issuing country. At Allianz’s partner banks, interest rates of up to 3.15% p.a. are currently available.

Compare fixed deposits now

FAQs about fixed-term deposits

With fixed-term deposits, you can invest a fixed amount at the beginning of the term. This amount is invested for a fixed period at a fixed interest rate. Therefore, it is generally not possible to use a fixed-term deposit account as a form of regular savings, such as a savings plan.

Early termination of a fixed-term deposit account is usually not possible. Fixed-term deposits are invested for a specific period of time and are not accessible during this time. In exceptional cases, the bank may agree to a temporary termination. However, this may incur additional fees and a reduction in the fixed-term deposit interest rate.

The rules regarding term extensions for fixed-term deposits can vary from bank to bank. For example, some fixed-term deposits offer automatic term extensions (prolongations). If savers do not inform their bank that they do not wish to extend their investment, the bank may reinvest the money. The term will then be extended by the same amount. The fixed-term deposit will only increase by the interest earned.
If one of our partner banks offers automatic term extensions, this can be deactivated with one click in Allianz online banking. Savers will be notified of the extension at the beginning of their fixed-term deposit and reminded again in good time before the end of the term.

At the end of the term, savers have several options. The most suitable option depends on their individual investment goals. The following options are available:
✓ Reinvest the amount with the same or another partner bank at the current interest rate (Prolongation)
✓ Pay out the investment including interest income

In many European countries, fixed-term deposit rates are often higher than in your home country, making it worthwhile to invest abroad and benefit from better interest returns. Thanks to the EU-wide deposit guarantee, savings are protected up to €100,000 per investor and bank. Countries outside the EU—such as the United Kingdom and Norway—also offer legal deposit protection schemes. Allianz focuses on fixed-term deposit offers from abroad to provide the best available rates in our comparison.

When the money is invested in euros, there is no exchange rate risk. However, the situation is different with a foreign currency account. Since exchange rates between the euro and other currencies can fluctuate, there is a risk of loss in value. If the euro gains value during the term, the payout may be reduced. On the other hand, a profit is also possible if the euro weakens. The exchange rate at the time of payout ultimately determines the outcome.

Opening a fixed-term deposit for children can be worthwhile if the invested funds are not needed for the next several years. After the term ends, the money can be used for important milestones like driving school, university, or vocational training. Compared to traditional savings books or overnight accounts, fixed-term deposits for children typically offer better interest rates.

The child can only access the funds after the term has expired, which is why the laddering strategy may also be beneficial here. It allows partial amounts to become available at intervals, while any reinvestments can take advantage of the best current rates available in our fixed deposit comparison.

Note: The content on this page is for general informational purposes only and does not constitute tax advice. For detailed information or individual clarification of tax-related questions, we recommend consulting a tax advisor or another person qualified under § 2 StBerG.

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