Top-Zinskonto

Introduction

norisbank's Top-Zinskonto is aimed at savers who want to earn an attractive short-term interest rate on fresh money while being willing to open a full banking relationship with norisbank. It is not a standalone savings account, but an add-on product to the bank's Top-Girokonto (checking account) – ideal for anyone already planning to switch banks and bringing balances over from another bank.

Interest Rate

New customers currently receive 2.25% p.a. on the Top-Zinskonto. However, this rate is clearly time-limited: according to the bank, it applies until 31 December 2026 and only to balances of up to EUR 250,000 transferred from another bank. Once the promotion ends, or for amounts that do not meet this condition, the variable standard rate applies, which is currently only 0.75% p.a. Anyone considering this offer should be aware that the attractive rate is a time-limited new-customer promotion, not a permanent yield.

Terms

The bank does not specify a minimum or maximum deposit, apart from the EUR 250,000 cap mentioned for the promotional rate. Account management is free, interest is credited quarterly, and the balance is available daily – there are no notice periods or market risk. Important: the Top-Zinskonto is tied to norisbank's Top-Girokonto. Opening the checking account automatically opens the savings account as well, and the checking account serves as the reference account for all deposits and withdrawals. A standalone savings account without a checking account is not available at norisbank in this case.

Pros and Cons

• Attractive new-customer rate of 2.25% p.a. for a defined period
• Free account management
• Daily availability of funds
• Quarterly interest credit
• Statutory deposit protection

Verdict

The Top-Zinskonto is best suited to savers who are already planning to switch to norisbank and bring money in from another bank. Until the end of 2026, it offers a solid 2.25% p.a., after which the rate drops significantly to 0.75% p.a. Anyone keeping the account beyond the promotional period should realistically expect an effective rate closer to 0.75% than to 2.25%, and should factor the mandatory checking account link into their decision.