Best Savings Account Rates in Germany • Up to 4.5% Interest •
Daily Access • English Support • Perfect for Expats
40+ German banks compared • Up to 4.5% interest rates • Daily access to funds • English support for expats
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Savings accounts are ideal for expats who want flexible access to their money while earning interest. No minimum term required - you can withdraw funds whenever you need them.
€5,000 Emergency Fund
4.0% new customer rate
€200
annual interest
€15,000 Flexible Savings
3.5% ongoing rate
€525
annual interest
€30,000 Premium Account
3.8% premium rate
€1,140
annual interest
Savings accounts offer higher interest rates but may have limited transactions. Current accounts are for daily banking with debit cards but usually offer minimal interest.
Most savings accounts allow unlimited withdrawals, but some premium rate accounts may limit the number of transactions per month to maintain higher interest rates.
Interest is usually calculated daily on your account balance and paid monthly or annually. The annual percentage yield (APY) shown includes compound interest effects.