Festgeld
Secure, predictable returns with a fixed interest rate and statutory deposit protection.
Stability and Predictability for Your Savings
A fixed-term deposit, commonly referred to as Festgeld, is one of the most established savings instruments in the European financial system. It is designed for individuals who prioritize capital preservation, structured planning, and predictable returns. When you open a fixed-term deposit, you commit a defined amount of money for a predetermined period. In exchange, the partner bank guarantees a fixed interest rate for the entire duration of the term. This means your return is known in advance and does not fluctuate with market conditions.
Your rate remains unchanged for the full term, regardless of market movements.
You receive your capital and accrued interest at a clearly specified date.
Funds are protected under the applicable EU deposit guarantee scheme.
Why Investors Choose Festgeld
In times of economic uncertainty or volatile financial markets, many savers seek instruments that provide clarity and discipline. Fixed-term deposits offer both.
Unlike equity markets or variable savings products, Festgeld eliminates uncertainty regarding returns. The interest rate is contractually agreed upon at the time of deposit, creating full transparency over future earnings.
This structure makes it particularly suitable for conservative savers, retirement planning strategies, and liquidity management frameworks where capital stability is essential.
Let your money work for you
How Interest Is Calculated
Interest on a fixed-term deposit is calculated based on the agreed annual percentage rate (APR) and the selected duration. The calculation typically follows a 365-day convention unless otherwise specified in the product terms.
Depending on the selected structure, interest may be paid at maturity or periodically. If interest is credited periodically and reinvested, compounding may increase the effective yield.
The applicable rate is confirmed at the time the deposit is placed and remains fixed for the agreed term.
— PRODUCT COMPARISON —
How Festgeld Compares to Other Savings Products
A fixed-term deposit offers a guaranteed interest rate for a defined period, providing predictable returns and capital stability. Your funds are committed for the selected term, and the rate remains unchanged regardless of market conditions, making Festgeld a disciplined and secure savings solution.
A savings account provides flexible access to funds with a variable interest rate that may change over time. While offering liquidity and convenience, returns are typically lower and less predictable compared to fixed-term deposits.
Market investments may deliver higher long-term growth potential but involve exposure to volatility and capital risk. Unlike fixed-term deposits, returns are not guaranteed and depend on market performance over time.
We offer the best possible profitability through our good management service
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