Time Deposit Account

Saving Made Easy.

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Early-Year Bonus: Top interest rates for terms of 12* and 24** months

Fresh boost for your Money – just in time for the new Season! Enjoy interest rates up to 2.35 % p.a.**.

The DenizBank AG Time Deposit Account lets you invest your money securely and benefit from a fixed interest rate – starting from EUR 1,000.

At maturity, your interest is automatically credited to your payment or current account.

  • Fixed interest rates for the full term (3 months to 10 years)

  • Free online account management

  • Unlimited time deposit accounts

  • Open easily online via DenizMobile or Internet Banking

  • You prefer the traditional Savings Book?

    Benefit from our current special interest rate and make more of your savings – find out more!
Open Account Online
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Our Current Interest Rates**

3 months 6 months 9 months 12 months* 18 months 24 months 36 months
1.800 % p.a. 1.850 % p.a. 1.900 % p.a. 2.150 % p.a. 2.150 % p.a. 2.250 % p.a. 2.300 % p.a.
4 years 5 years 6 years 7 years 8 years 9 years 10 years
2.300 % p.a. 2.350 % p.a. 1.900 % p.a. 1.900 % p.a. 1.900 % p.a. 1.900 % p.a. 1.900 % p.a.

Build Wealth with a Time Deposit

Three good reasons to open a time deposit account:
  • Predictable returns with fixed interest rates
  • Low risk compared to other investments
  • Easy management without market volatility

DenizMobile App & Internet Banking

Manage your finances easily with Internet Banking and the DenizMobile App:
  • Simple, modern design
  • Access your money anytime, anywhere
  • Open time deposit and savings accounts via app
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Need More Information?

We’re here to help! For any questions or assistance, feel free to reach out to by making an appointment in one of our branches or by calling our toll free number 0800 88 66 00.
Book an Appointment

FAQs

The Time Deposit Account is an Online Deposits Account at DenizBank AG. A specific amount (minimum amount 1.000 Euro) 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.
The minimum deposit amount is 1.000 Euro.
You transfer your deposit to your Payment Account, then open a Time Deposit Account and the deposit amount will be transferred to this account.
After expiration of the term (i.e. on maturity), the accumulated interest will be credited to your 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.
You can open an unlimited number of Time Deposit Accounts at DenizBank AG.
The agreed interest rate for your Time Deposit Account at account opening is guaranteed for the entire term.
Denizbank AG offers you the Time Deposit Account free of charge.
Please send a written application by mail to DenizBank AG Contact Center (Thomas-Klestil-Platz 1, 1030 Vienna) or visit one of our branches .
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.

*Special interest rate p.a. only for private customers and valid for newly opened time deposit accounts and savings books with a 12-month term from 24 February 2026 up to and including 31 March 2026. After that, the applicable interest rate according to our price list will apply.


**Interest rates p.a.valid only for retail customers and until revoked.