# German bank promotional interest rate trends > Live situation record from CLSTR: https://clstr.news/situations/german-bank-promotional-interest-rate-trends > Updated: 2026-10-06T07:45:31.000Z. Sources: 5. Developments: 2. 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. ## Timeline ### 2026-10-06: German banks launch new promotional interest rates for savings accounts German banks ADAC Finanzdienste and DKB are launching promotional interest rate offers for call money accounts starting in late 2026. 3 sources. https://clstr.news/cluster/german-banks-launch-new-promotional-interest-rates-for-savings-accounts ### 2026-09-28: German banks offer promotional interest rates for new customers German banks Renault Bank direkt and Openbank by Santander are offering promotional interest rates on savings accounts for new customers as part of competitive market positioning and rebranding. 3 sources. https://clstr.news/cluster/german-banks-offer-promotional-interest-rates-for-new-customers --- Cite as: German bank promotional interest rate trends. CLSTR, https://clstr.news/situations/german-bank-promotional-interest-rate-trends