15 offers · Higher rate = better offer
In September 2026 we compared the best Savings accounts available. Rates ranged from 3% to 3.91%. Top offer: Ikano Bank with "Tagesgeld" at 3.91% per year. This ranking covers offers available in Germany.
Reviews bank offers day to day and keeps the rankings published on BankSorter accurate — we pull data straight from bank APIs and verify it before every publication.
🔒 Secure redirect to Ikano Bank, no obligation
Calculation before 19% capital gains tax. Actual net return will be lower.
How is this ranking created?
We checked 15 savings accounts offers in Germany for you in September 2026. The ranking is based on interest rate (50%), editorial ratings (30%) and user popularity (20%).
A high promotional rate often only lasts the first 1-3 months, then drops to a much lower standard rate — check what rate applies once the promotion ends. The cap on the amount covered by the higher rate matters too — any balance above the cap (e.g. over 10,000) is often paid a much lower rate. Some savings accounts require holding a personal account at the same bank to get the best rate.
Unlike a fixed-term deposit, a savings account lets you withdraw funds at any time without losing accrued interest — that's its main advantage. Opening one usually just needs photo ID and takes a few minutes online, often without needing a separate personal account.
A savings account earns interest while keeping your money accessible — unlike a fixed deposit you can withdraw at any time. Compare rates and the maximum balance eligible for the promotional rate.
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