Savings Account
Comparison
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 Account Comparison
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Savings Accounts in Germany
Why Choose Our Comparison?
- ✓ Daily access to your money
- ✓ No fixed term commitments
- ✓ Interest paid monthly or annually
- ✓ Perfect for emergency funds
- ✓ Easy online banking
Current Top Rates
- New Customer Rate: Up to 4.0% APY
- Ongoing Rate: Up to 3.2% APY
- Premium Accounts: Up to 3.8% APY
Perfect for Expats:
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.
Savings Account Examples
€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 Account FAQ
What's the difference between savings and current accounts?
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.
Are there withdrawal limits?
Most savings accounts allow unlimited withdrawals, but some premium rate accounts may limit the number of transactions per month to maintain higher interest rates.
How is interest calculated and paid?
Interest is usually calculated daily on your account balance and paid monthly or annually. The annual percentage yield (APY) shown includes compound interest effects.