German bank promotional interest rate trends

German financial institutions have been introducing various promotional interest rates for call money accounts (Tagesgeld) to attract new customers.

In late September 2026, Renault Bank direkt offered a 4.10% annual interest rate for a four-month period, while Santander began transitioning its German operations to the Openbank brand, offering a 4% promotional rate.

By early October 2026, specific details emerged regarding new offers. ADAC Finanzdienste GmbH, in partnership with Solaris, launched a call money account for ADAC credit cardholders. This offer provides an introductory promotional interest rate of 3.50% per annum for the first three months, followed by a variable standard rate of 1.50% per annum for deposits up to 100,000 euros.

Additionally, Deutsche Kreditbank (DKB) announced a campaign for private customers. Between October 6 and October 20, 2026, customers who transfer new funds from another bank to DKB can access a 4.0% annual interest rate for four months. This rate applies to new deposits up to 100,000 euros and is scheduled to run from November 1, 2026, through February 28, 2027.