Secure a daily interest of 3% with Comdirect's continuous cash hammer plan
In a move to attract new customers, Comdirect, a German online bank, has launched a promotional offer on its Tagesgeldkonto (daily savings account). New customers who open a Tagesgeldkonto and a Girokonto (checking account) with the bank can enjoy a guaranteed 3% annual interest rate on their daily deposits for six months.
This high-interest rate offer, applicable to deposits up to €1,000,000, comes with several benefits. Firstly, there are no account maintenance fees, and no minimum or maximum investment limits beyond the €1 million euros cap for the promotional rate. The interest is paid quarterly, allowing for compound interest.
However, it's important to note that this offer is exclusive to new customers who have not had an account or brokerage account with Comdirect in the past six months. Existing customers currently receive a variable interest rate of 0.75% p.a.
Interestingly, Norisbank offers a slightly higher interest rate of 3.11% p.a. for new customers who open a checking account and meet certain conditions. Postbank, on the other hand, offers a six-month interest guarantee with a slightly lower interest rate of 2.5% p.a. in its "New Money Action".
It's worth mentioning that opening a checking account may affect your creditworthiness rating by the Schufa negatively if not used. The checking account is free for the first half-year at Comdirect, but a fee of €4.99 per month may apply if not cancelled.
Deposit protection for Comdirect's daily deposit account is up to €100,000 by Germany (AAA). German banks, on average, paid an average of 1.19% in daily interest to long-standing customers in June 2025.
In conclusion, Comdirect's offer provides a competitive 3% interest rate for new customers who open a Tagesgeldkonto and a Girokonto, with several benefits and conditions. However, it's crucial to weigh these benefits against other available offers from banks like Norisbank and Postbank before making a decision.
Personal-finance experts might advise potential customers to consider opening a Tagesgeldkonto and a Girokonto with Comdirect, as the high 3% annual interest rate for deposits (up to €1,000,000) comes with no account maintenance fees or minimum investment limits, beyond the €1 million euros cap for the promotional rate. Inflation rates may impact the value of this deposit, so it's worth comparing this offer with other finance options like Norisbank and Postbank that offer varying interest rates.
