What changed in January for German savers?

Promo yields moved higher. Comdirect lifted a six-month offer to 3%, while business accounts from Vivid, Tide, ING, and FYRST advertise 2.75% to 4.25%. This intensifies competition and encourages savers to compare rates and move balances to providers with stronger short-term returns.

How does Raisin Bank fit into the rate competition?

Raisin Bank connects savers to many partner banks via one onboarding. When headline rates rise, that convenience draws more deposits to high-yield options. Partner banks gain flexible funding, while savers get choice across terms. Watch new-money inflows and retention after promos to gauge momentum.

Are deposits safe when using marketplaces?

Eligible deposits at participating banks are typically covered by statutory deposit protection up to €100,000 per bank and depositor under EU rules. Always confirm the bank’s license, the applicable scheme, and currency before funding, and keep balances within coverage limits for peace of mind.

What should investors monitor into early 2026?

Focus on deposit flows, the average rate banks pay, and how many customers stay after promos reset. Rising funding costs can pressure margins. Also track offer cadence, caps, and term mix on platforms like Raisin Bank, which signal how intense competition is across the German deposit market.

Global Market Insights

Raisin Bank January 17: Germany’s Savings Rate War Hits 3% to 4.25%

ByDanny Kontos January 18, 2026January 18, 2026

Raisin Bank sits at the center of Germany savings rates right now. On January 17, promo yields span 3% to 4.25% as providers chase deposits. Comdirect lifted its six‑month offer to 3%, while business accounts from Vivid, Tide, ING, and FYRST pitch 2.75% to 4.25%. Search interest for Raisin Bank is rising as savers compare high-yield savings across partner banks. We explain what this means for the German deposit market and what to watch into early 2026.