With the t-online interest check you will find the most attractive fixed-term and daily money offers

Interest rates for savers remain high, both for fixed-term deposits and for overnight money. We show where you can currently get the best conditions for your money.

The positive real interest rates are back: For the first time in years, savers can compensate for the loss in value caused by inflation with daily or fixed-term deposits. Nevertheless, there are still many who park their money in interest-free checking accounts. We show where the best offers for you are currently available.

Savers can currently get interest from a total of seven providers four percent and more rake in. Of these providers, six only offer the high interest rate as a temporary special condition for new customers. Such promotional offers are particularly worthwhile for savers who are prepared to move their money to another bank as soon as the new customer conditions have expired. If you don’t want that, it’s best to pay attention to high existing customer conditions when comparing interest rates.

The offer at Trade Republic is not a classic daily money account. The Interest at four percent applies to balances in the securities account clearing account for both existing and new customers. The money is also available there every day and the associated depot can be maintained free of charge.

The funds are deposited at one of several Trade Republic partner banks. Currently these are Deutsche Bank, Solaris SE and JP Morgan (all of which are subject to the German deposit insurance) and Citibank (Irish deposit insurance).

Fixed deposit interest rates also rose slightly compared to the previous month. Fixed-term deposits with a term of two years are currently at the top of the market 4.65 percent Interest charges. At this interest rate, the interest income on an investment of 10,000 euros adds up to a total 952 Euro.

If you invest your money for a year, you can save up to 4.41 percent Secure interest. Credit institutions with German deposit protection offer a maximum for both terms 4.15 percent Interest charges.

Investors should carefully consider how long they want to commit themselves. Because: Many banks and savings banks are still not passing on the increased interest rates to their customers. Read more about this topic here. It is worth continuing to monitor the interest rates offered by your bank.

“After years of dry spells, bank customers can finally secure returns above current inflation with safe savings products such as daily and fixed-term deposits,” says Verivox managing director Oliver Maier.

“However, it is important to compare interest rates before making an investment decision. Anyone who simply invests their money at their house bank usually receives significantly less interest. Especially at the regional savings banks and Volksbanks, the average interest rate is still significantly below the current inflation rate of 3.2 percent. The money invested therefore loses value.”

For the part of your assets that you can invest in the long term, you should also consider investing in the stock market. So-called ETFs are particularly suitable for stock market beginners. These are funds that replicate a stock index such as the Dax. The advantages for you: The costs are low, you spread your risk widely and the returns are comparatively high. You can read everything about the advantages and disadvantages of ETFs here. Here we will explain to you how to minimize your risk when investing in index funds.

The highest interest rates for daily and fixed-term deposits at a glance (all information without guarantee, as of December 2, 2023):

• Banca Popolare Sant’Angelo: 4.65 Prozent (Italian)
• Haitong Bank: 6.36 percent (Portugal)
• Illimity Bank: 6.35 percent (Italy)
• Isbank: 4.3 percent (Germany)
• Kommunalkredit Austria: 4.25 percent (Austria)
• Crédit Agricole Consumer Finance: 4.2 percent (France)
• Ziraat Bank: 4.15 percent (Germany)
• Oyak Anker: 4.1 percent (Germany)

Note: The interest offer at Isbank only applies to customers who also open a checking account with the bank.

• Aegean Baltic Bank: 4.41 percent (Greece)
• Banca Sistema: 4.4 percent (Italy)
• Haitong Bank: 4.36 percent (Portugal)
• Isbank: 4.3 percent (Germany)
• My Money Bank: 4.25 percent (France)
• Crédit Agricole Consumer Finance: 4.2 percent (France)
• J&T Direct Bank: 4.2 percent (Czech Republic)
• Varengold Bank: 4.15 percent (Germany)
• Akbank: 4.1 percent (Germany)
• Ziraat Bank: 4.1 percent (Germany)

Note: The interest offer at Isbank only applies to customers who also open a checking account with the bank.

• BNF Bank: 4.3 percent (Malta)
• BAI Europe Bank: 4.2 Prozent (Portugal)
• EBI Groupe Ecobank: 4.2 percent (France)
• My Money Bank: 4.15 percent (France)
• Crédit Agricole Consumer Finance: 4.1 percent (France)
• Isbank: 4.0 percent (Germany)
• Merkur Privatbank: 4.0 percent (Germany)
• My bank – Raiffeisenbank in Hochtaunus: 3.7 percent (Germany)
• Santander: 3.7 percent (Germany)

Note: The interest offer at Isbank only applies to customers who also open a checking account with the bank. Santander’s offer only applies to new customers and existing customers who invest new money.