Tagesgeld

A new-customer promotion with a clear time limit

easybank's Tagesgeld account is a flexible savings account with no fixed term, aimed primarily at new customers who want to benefit from a temporarily boosted introductory rate. Once the promotional period ends, the account automatically switches to the lower, variable existing-customer rate.

Interest rate

According to both the database and the offer page, easybank pays new customers 2.00% p.a. on deposits up to €250,000 — but only for the first 9 months after account opening, exactly the window also recorded in the database ("months_from 1 to months_to 9"). After that, the rate drops to the variable existing-customer rate, which the offer page currently states as 1.2% p.a. This existing-customer rate is variable and can change at any time; the database itself contains no separate figure for it, so this review relies solely on the offer page for that number.

Terms and fees

According to the offer page, account management is free and no minimum deposit is required. Balances up to €250,000 benefit from the promotional rate during the initial period. A current account with easybank itself is not required to open the Tagesgeld account. Existing customers of other easybank products can skip re-verification; new customers need video identification or POSTIDENT. According to the offer page, funds are available at any time with no notice period, and the account can be managed online or via app. The statutory deposit guarantee covers up to €100,000 per customer.

Who is this account for

The account is particularly attractive for new customers who want to benefit from a comparatively high, guaranteed rate for around nine months and are then willing either to switch to a new provider or accept the lower variable rate. For savers looking for a permanently high rate, the new-customer bonus alone is not a sufficient argument. Anyone who already regularly compares easy-access savings offers can treat the nine months as a deliberate "rate window" and switch to a new provider with a comparable promotion before it ends.

Verdict

easybank's Tagesgeld account scores with a rate of 2.00% p.a. guaranteed for nine months up to €250,000, free account management and daily availability with no notice period. Anyone who keeps the time limit in mind and compares offers again in time can use it well as an entry-level or transitional product. It is worth noting the exact date the rate reverts to 1.2% p.a. so the lower return afterward does not go unnoticed.