Tagesgeld Topzins

Introduction

Tagesgeld Topzins is Consorsbank's promotional account for savers who deposit fresh money into an existing or new instant-access savings account in exchange for a higher interest rate, without giving up daily availability.

Interest rate

The BankSorter database currently lists a rate of 3.40% p.a. for this product. However, when the official Consorsbank offer page was checked in August 2026, it described a different, earlier Topzins campaign: "up to 2.20% p.a." on new deposits up to EUR 1 million, guaranteed until the end of a promotional period running from 1 December 2025 to 15 April 2026 — a campaign which, according to the page's own text, had already ended by 15 April 2026. This discrepancy suggests that the terms may have changed in the meantime and that the page we accessed no longer reflects the most current status. Savers should therefore check the up-to-date terms directly with Consorsbank before signing up, rather than relying solely on either figure quoted here. According to the campaign description reviewed, the Topzins rate is made up of a variable standard rate plus a variable fresh-money rate; above the promotional threshold, a standard rate of 0.80% p.a. most recently applied.

Terms and conditions

The higher rate applies only to new deposits up to a maximum of EUR 1 million. No minimum deposit is stated. Account management fees are not mentioned on the page; the balance is, according to the provider, available "at any time in any amount". The most recently described campaign was specifically aimed at existing Consorsbank customers who already held a standard-terms savings account by a certain cut-off date — no additional checking account was required.

Pros and cons

Pros:

• Higher interest rate possible on new deposits
• No minimum deposit required
• Daily availability of the balance
• No additional checking account needed

Cons:

• Conflicting information on the currently valid rate between the database (3.40% p.a.) and the most recently reviewed offer page (up to 2.20% p.a., apparently already expired per the page)
• Higher rate only up to a maximum of EUR 1 million
• The earlier campaign was time-limited and tied to a cut-off date for existing customers
• The rate is made up of variable components and is not permanently guaranteed

Verdict

Tagesgeld Topzins can be an attractive offer for existing Consorsbank customers depositing fresh money, but the information on the exact, currently valid rate is inconsistent: while our database lists 3.40% p.a., the most recently accessed offer page describes an already-expired campaign offering up to 2.20% p.a. Interested savers should check the currently valid terms directly with Consorsbank before deciding, rather than relying solely on either figure quoted here.