Your Online Time Deposit Account at DenizBank

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If you would like risk-free earnings for your savings, you can open a Time Deposit Account by choosing the most convenient rate and maturity.

Your Advantages

  • Fixed interest rate* over the entire term
  • Possibility to open an unlimited number of time deposit accounts
  • Individual terms ranging from 3 months up to 10 years
  • Online account management free of charge

Overview of Terms and Conditions

3 Months 6 Months 9 Months 12 Months 18 Months 24 Months 36 Months 48 Months 60 Months
0.050 % 0.055 % 0.100 % 0.150 % 0.200 % 0.650 % 0.850 % 0.950 % 1.050 %


6 Years 7 Years 8 Years 9 Years 10 Years
1.050 % 1.050 % 1.050 % 1.050 % 1.050 %
*Interest rates p.a.valid only for retail customers, and valid until revoked.

How Do I Open My Account?


The first step is to open a Payment Account which free of charge. This account serves as a reference account for your transactions and has an interest rate of 0.01 % p.a. Once you have your Payment Account, you can open a Time Deposit or Daily Due Deposit Account using our Internetbanking. As soon as your money is on your Payment Account, you can access to it conveniently from home.

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Frequently Asked Questions about Time Deposit Account

  1. What is a Time Deposit Account?

    The Time Deposit Account is an Online Deposits Account at DenizBank. A specific amount (minimum amount € 1.000) is invested in a Time Deposit Account. You can choose the duration of the investment yourself. At maturity the interest will be credited to your account.

  2. What is the minimum deposit at Time Deposit Accounts?

    The minimum deposit amount is € 1.000,-

  3. How do I pay my deposit?

    You transfer your deposit to your Payment Account, then open a Time Deposit Account and the deposit amount will be transferred to this account.

  4. Where is the accumulated interest credited to?

    After expiration of the term (i.e. on maturity), the accumulated interest will be credited to your Time Deposit Account.

  5. What do I need to consider when opening a Time Deposit Account?

    You have three different repayment options at maturity:

    • Re-payment at maturity
      The amount will be transferred to your Payment Account at maturity.
    • Re-invest of interests and capital:
      The interests and capital will be reinvested for the same term with the interest rate applicable at the time of maturity.
    • Re-invest of capital:
      The capital will be reinvested for the same term with the interest rate applicable at the time of maturity. The interests will be transferred to your Payment Account.
  6. How many Time Deposit Accounts can I open?

    You can open an unlimited number of Time Deposit Accounts at DenizBank.

  7. Is the interest rate guaranteed?

    The agreed interest rate for your Time Deposit Account at account opening is guaranteed for the entire term.

  8. What are the fees for a Time Deposit Account?

    Denizbank offers you the Time Deposit Account free of charge.

  9. How can I cancel my Time Deposit Account before maturity?

    Please send a written application by mail to DenizBank Contact Center (Thomas-Klestil-Platz 1, 1030 Vienna) or visit one of our branches.

  10. Which interest rate is charged in the case of early closing of the Time Deposit Account?

    Payments made prior to the end of the term are to be treated as advances, and interest is to be calculated accordingly. For these advances, 0.1% is to be charged for each full month by which the commitment period is not observed. However, interest on advances must not exceed the total credit interest accrued on the amount accepted; to the extent necessary, charges may be applied retroactively to credit interest paid out in the preceding year in cases where the credit interest for the current year is not sufficient. Any reduction of a commitment duration will also trigger interest on advances. Furthermore, point IV.6. of the Special Terms and Conditions for Online Saving applies.

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