Is the 3.2% at Raisin Bank fixed for the whole year?

No. The headline rate is guaranteed for three months. After that period, the rate is variable and can change. Always read the current product sheet and pricing notes before funding, and set a reminder to review the account shortly before the guarantee window ends.

Are the 3.0% deals only for new customers?

Often yes. Comdirect’s move to 3.0% was framed as a new-customer offer. Such promotions typically revert to a standard variable rate after the guarantee period. Check eligibility, timing, and what happens next, because the ongoing rate drives your return beyond the teaser window.

How safe are daily savings accounts in Germany?

Deposits are protected by the statutory deposit guarantee scheme up to 100,000 euros per depositor and bank. Confirm the bank’s country of guarantee and product terms. While safety is strong, always keep documentation and avoid exceeding the protected limit at a single institution.

What is the quickest way to compare offers?

Focus on four items: guarantee length, the rate after the guarantee, crediting frequency, and access rules. Note any fees. Use current bank pages or trusted comparisons, then calculate your likely interest for your planned holding period, not just the teaser period.

Global Market Insights

Raisin Bank January 17: 3.2% Leads Savings Rates as Deposit War Heats Up

ByDanny Kontos January 17, 2026January 17, 2026

Raisin Bank sets the pace at 3.2% on daily savings with a three-month guarantee, putting German savings rates back in focus. As of January 17, new-customer offers from Comdirect and Autobank reach 3.0%, signaling deposit competition 2026 is intensifying. For savers in Germany, this brings richer short-term yields but more fine print. We explain what the lead implies, how rivals compare, and simple steps to lock in value while keeping access, safety, and taxes in mind.