Overview
- TF Bank raised its new-customer Tagesgeld rate to 3.80% p.a. for four months and will pay a variable standard rate of 1.45% afterwards.
- Postbank is offering 3.20% p.a. for six months for new and existing customers who open an account by Oct. 19 and deposit at least €2,500 of new money by Oct. 26, after which a base rate of 0.75% applies.
- Several other providers advertise even higher short promos — examples include Revolut at 4.25% on limited sums and banks such as Openbank, Chase and Crédit Agricole with offers around 4.00% for short windows — but those rates are time-limited and often restricted by amount or customer status.
- Savers must weigh non-rate differences: TF Bank accounts are covered by Sweden’s Riksgälden guarantee and do not accept a German Freistellungsauftrag so interest must be declared by the customer, while German banks like Postbank use German deposit insurance up to €100,000.
- A Verivox analysis shows many regional Sparkassen and cooperative banks still pay very low Tagesgeld rates, so switching between short promos can boost returns but requires tracking deadlines, transfer rules and the lower standard rates that apply after promotions end.