Prices & Conditions

Online Savings

Valid only for retail customers

Daily Due Deposit Account

0.100%* p.a.
Daily accessible.
Account management as well as transfers from your Payment Account are free of charge.
Minimum deposit at the time of opening your account is €100,- ;no maximum deposit amount.
The interest rate is credited to your Daily Due Deposit Account on December 31^st of each year.
Interest rate excl. capital gains tax and EU withholding tax

*Interest rate p.a., valid only for retail customers and valid until revoked.

Learn more about Daily Due Deposit Account >>

Time Deposit Account

Fixed interest rate* for the whole term.
Co-payments and partial withdrawals are not admissible during the term
The interest is, unless otherwise agreed, capitalized annually and paid into your Payment Account at maturity. Upon maturity of your Time Deposit Account, the money will be transferred back to your Payment Account.
The minimum deposit at opening is € 1,000, the maximum deposit is € 1,000,000.

Interest Rates and Terms

Term
3 Months	6 Months	9 Months	12 Months	18 Months	24 Months	36 Months	48 Months	60 Months
0.200 %	0.250 %	0.350 %	0.400 %	0.450 %	0.500 %	0.600 %	0.700 %	0.800 %

Term
6 Years	7 Years	8 Years	9 Years	10 Years
0.900 %	0.950 %	1.000 %	1.050 %	1.100 %

*Interest rates p.a.valid only for retail customers, and valid until revoked.

Learn more about Time Deposit Account>>

Payment Account

No account management fees
The main account will bear an interest rate of 0.01 *% p.a. (on a quarterly basis).
Domestic and international money transfers in Euro are made via Internetbanking and are free of charge.
For each transfer order, which is not made via Internetbanking (e.g. fax or orders via bank counter), a service fee of € 1 is charged. The charging is made quarterly.
Interest rate excl. capital gains tax and EU withholding tax

*Interest rates p.a.valid only for retail customers, and valid until revoked.

Deniz Sparplan

Valid only for retail customers

Deniz-Sparplan

Terms: 5, 6, 7, 8, 9 or 10 years
Payment intervall: monthly, biannual or yearly payment
Opening date: 7^th or 20^th of each month
Currency: EUR
Minimum Deposit: € 50 at monthly payment; € 300 at biannual payment; € 600 at yearly payment
Maximum Deposit: € 1,000 at monthly payment; € 6,000 at monthly payment; € 12,000 at monthly payment
Free of charge, except the postage rate of € 0.70 for the postal delivery of the yearly bank statement. This fee does not apply, if you choose to receive your bank statement to your Internet-Banking-Mailbox.
Interest rates: the fixed interest rates are valid for the entire term, the variable interest rates are valid until December 31^st of each year. Interest rate excl. capital gains tax and EU withholding tax. The variable interest rates are calculated in accordance with the special terms and conditions.

Term	5 Years	6 Years	7 Years	8 Years	9 Years	10 Years
Fixed Interest Rates	0.800 %	0.900 %	0.950 %	1.000 %	1.050 %	1.100 %
Variable Interest Rates	1.000 %	1.000 %	1.000 %	1.000 %	1.000 %	1.000 %

*Interest rates p.a.valid only for retail customers, and valid until revoked.

Learn more about Deniz-Sparplan >>

Savings Book

Valid only for retail customers

Fixed Interest Rate Guarantee

Fixed interest rate*
You can choose between a password savings book (up to € 14,999) and a "Namenssparbuch"
Co-payments during the term cannot be made.
Despite the commitment period, your credit is available at all times. In case of a partial withdrawal or pre-mature cancellation, a 1% interest penalty per month of non-compliance will be charged for the amount withdrawn.
If you do not dispose of your savings capital at maturity, your savings will automatically continue to accumulate interest at the valid rate for your overnight deposits.
Interest rate excl. capital gains tax and EU withholding tax

Interest Rates and Terms

Term
6 Months	9 Months	12 Months	18 Months	24 Months	36 Months	48 Months	60 Months
0.250 %	0.350%	0.400%	0.450%	0.500%	0.600%	0.700%	0.800%

Term
6 Years	7 Years	8 Years	9 Years	10 Years
0.900 %	0.950 %	1.000 %	1.050 %	1.100 %

*Interest rates p.a.valid only for retail customers, and valid until revoked.

Learn more about Savings Book with Fixed Interest Rate Guarantee>>

High Interest Management

Daily Due Savings Book
Variable interest rate of 0.100 % *p.a.
Deposits starting from € 100,-
Deposits and withdrawals possible

*Interest rates p.a.valid only for retail customers, and valid until revoked.

Learn more about the Savings Book with High Interest Rate Management>>

Corporate deposits

Only valid for corporate customers

Corporate Daily Due Deposit Account – Deniz-Flex

Daily Due Deposit Account with a variable interest rate: 0.100%* for EUR-deposits, 0.3% for USD-deposits
Currency: EUR or USD.
No account management fees.
Withdrawals are free and are only possible onto the reference account.

*Interest rates p.a., valid only for corporate customers, and valid until revoked.

Learn more about Corporate Daily Due Deposit Account >>

Corporate Time Deposit Account– Deniz-Fix

One time payment with a fixed interest rate.
Term: on request
Currency: EUR or USD.
Minimum deposit: € 10,000 or US$ 10,000.
No fees for closing your account.

Learn more about Corporate Time Deposit Account>>

Exchange Rates

List of Fees

If you have any questions, please address yourself to our staff in the Contact Center at our toll-free number 0800 88 66 00. You are also welcome in one of our branches where our team will be happy to answer your questions.