Prices & Conditions
Online Savings
Valid only for retail customers
Daily Due Deposit Account
- 0.010%* 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 31st 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 |
| 0.050 % | 0.100 % | 0.150 % | 0.200 % | 0.250 % | 0.300 % | 0.300 % | 0.300 % | 0.300 % |
| Term | ||||||||
| 6 Years | 7 Years | 8 Years | 9 Years | 10 Years | ||||
| 0.300 % | 0.300 % | 0.300 % | 0.300 % | 0.300 % | ||||
*Interest rates p.a.valid only for retail customers, and valid until revoked.
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: 7th or 20th 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 31st 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 | 0.450 % | 0.500 % | 0.525 % | 0.550 % | 0.575 % | 0.600 % |
| 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 >>
Corporate deposits
Only valid for corporate customers
Corporate Daily Due Deposit Account – Deniz-Flex
- Daily Due Deposit Account with a variable interest rate: 0.01%* 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.
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.
Exchange Rates
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.
0800 88 66 00
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