Best Tagesgeld Accounts with High Interest Rates in Germany

Best Tagesgeld Accounts with High Interest Rates in Germany (2025 Guide)

Best Tagesgeld Accounts with High Interest Rates in Germany! Tagesgeld accounts—known as instant access savings accounts—are a trusted financial tool for millions of savers in Germany. With interest rates finally on the rise again in 2025, these accounts are regaining popularity among individuals who want their money to grow while staying liquid.

Whether you’re a seasoned investor or just starting your savings journey, choosing the best Tagesgeld account with high interest rates is essential for maximizing returns without sacrificing flexibility.

In this guide, we’ve handpicked the top Tagesgeld offers in Germany right now. You’ll also find answers to frequently asked questions, tips for comparing offers, and key factors to consider before opening an account.

🔍 Why Choose a Tagesgeld Account in 2025?

In a time of economic uncertainty, a Tagesgeld account provides a perfect middle ground: better interest than traditional savings accounts, without locking your money away like fixed-term deposits. Here are a few reasons why Germans are turning back to Tagesgeld:

Daily access to funds (unlike Festgeld)
Zero or low account maintenance fees
Safe — protected up to €100,000 by German deposit insurance
Attractive interest rates, especially for new customers

🏦 Top 5 Tagesgeld Accounts with High Interest Rates in Germany

Below are some of the best high-interest Tagesgeld options available now, based on current offers, customer service, and digital experience.

1. 💼 Comdirect Tagesgeld Plus – Ideal for Stability & Smart Savers

Comdirect, a subsidiary of Commerzbank, remains one of the most reliable banks in Germany. Their Tagesgeld Plus account is perfect for customers looking for:

Competitive introductory interest rates
No account maintenance fees
Solid mobile and online banking features

🔹 Interest Rate (as of 2025): Up to 3.75% p.a. for new customers
🔹 Minimum Deposit: None
🔹 Access: 24/7 via app or online

✅ Bonus: Often bundled with special promotions for new account holders!

2. 📱 Consorsbank Tagesgeld – Great for Digital-First Users

Consorsbank offers one of the most user-friendly banking experiences in Germany. Its sleek interface and responsive support make it a favorite among younger users.

Excellent mobile app for real-time savings management
Flexible withdrawals and deposits
Regular special interest promotions

Interest Rate: Up to 3.85% p.a.
Special Offer: Higher rates for new customers for 6 months
Accessibility: 100% online

✅ Perfect for tech-savvy users who appreciate intuitive design and responsive service.

3. 🧠 ING DiBa Extra Konto – Trusted Name, Top Customer Satisfaction

ING DiBa’s Extra Konto is a top-rated Tagesgeld account known for consistent high-interest offerings and reliable customer service.

One of the largest banks in Europe
Award-winning service and support
Transparent conditions, no hidden fees

Interest Rate: Up to 4.00% p.a. (for new deposits)
Tax-free Allowance: Automatically applied for residents
Free Transfers: To/from linked accounts

✅ Bonus: Excellent for long-term savers seeking reliability and above-average returns.

4. 🔒 DAB Bank Tagesgeld – For the Safety-Conscious Saver

DAB Bank, now part of BNP Paribas, offers a Tagesgeld account tailored for security-focused users.

Strong background in private wealth and brokerage
Competitive rates, especially for higher balances
Reliable support for account management

Interest Rate: Up to 3.65% p.a.
Best Feature: Secure savings with solid deposit protection
Access: Online + Telephone support

✅ Good fit for investors who prefer conservative, no-surprises savings vehicles.

5. ⚖️ 1822direkt Tagesgeld – No-Frills Option with Reliable Returns

1822direkt, a branch of Frankfurter Sparkasse, focuses on simplicity and security. The Tagesgeld account is easy to open and perfect for beginners.

Clear terms, no fine print
Great mobile banking app
Often features limited-time interest boosts

Interest Rate: Up to 3.80% p.a.
Special Terms: New customers enjoy rate perks for 6 months
Ideal For: Simplicity lovers and first-time savers

✅ Bonus: Backed by one of the most trusted banking institutions in Germany.

❓ FAQs About Tagesgeld Accounts in Germany

What is a Tagesgeld account?

A Tagesgeld account is a flexible savings account that offers daily access to funds while earning interest on deposits. It’s perfect for people who want their money to grow without locking it away.

How do Tagesgeld accounts differ from Festgeld?

While Festgeld (fixed-term savings) locks your money for months or years, Tagesgeld offers daily liquidity, meaning you can withdraw any time without penalty.

Are Tagesgeld accounts in Germany safe?

Yes. Accounts are protected by Germany’s statutory deposit insurance up to €100,000 per person, per bank. Choosing reputable institutions adds an extra layer of security.

How often do Tagesgeld interest rates change?

Rates may fluctuate based on market conditions and European Central Bank policies. Some banks offer introductory rates for new customers, which drop after a few months.

Can I open multiple Tagesgeld accounts?

Yes! There’s no legal limit. In fact, savvy savers often spread funds across several banks to take advantage of promo rates or enhance deposit protection.

Are there any fees for Tagesgeld accounts?

Most Tagesgeld accounts are free of charge, but always check for hidden fees like transfer charges, currency conversion, or inactivity fees.

Is the interest from Tagesgeld accounts taxable in Germany?

Yes. Interest income is subject to the Abgeltungsteuer (capital gains tax), which is 25% plus solidarity surcharge and church tax (if applicable). However, the Freistellungsauftrag allows up to €1,000/year (or €2,000 for couples) tax-free.

Can I access my money anytime?

Absolutely. The “Tagesgeld” name literally means “daily money”—you can deposit or withdraw funds anytime without penalties.

How to compare Tagesgeld accounts effectively?

Look at:

Interest rate (and how long it’s guaranteed)
Fee structure
Minimum and maximum deposit limits
Customer reviews
Mobile/online banking features
Bank reputation

Use trusted German comparison portals like Check24 or Verivox to filter and sort current offers.

💬 Final Thoughts: Which Tagesgeld Account Is Right for You?

With interest rates climbing, now is a great time to revisit your savings strategy. The best Tagesgeld accounts in Germany combine high returns, zero fees, and strong digital tools to help you grow your money safely and efficiently.

Whether you’re drawn to Comdirect’s reliability, Consorsbank’s user experience, or ING DiBa’s strong interest rates, each bank offers something unique for German savers.

Do your research, compare offers, and start putting your money to work—without sacrificing flexibility or safety.