4.4%p.a.Festgeld. Done right.
Festgeld at a fixed rate. Interest is calculated on your deposit and credited daily. Your principal is locked for the term; your interest is spendable every week through the WurthAG Card. Open a vault online.
- Fixed rate for the full term
- Interest credited daily
- No account fees
Festgeld for every stage of life.
Your rate, fixed from day one.
With WurthAG you earn up to 4.4% p.a., fixed for the full term and credited daily on your deposit. Drag the slider to see your returns in euros.
- Standard Vaultp.a.
- Platinum Vaultp.a.
- Diamond VaultHighest ratep.a.
You choose your term when you open a vault, from the minimum shown. The rate is fixed on the day you open it, and your deposit stays locked until the term ends.
How your 4.4% p.a. works.
It isn’t a gimmick and it isn’t a bonus rate that disappears after 3 months. All three WurthAG vaults are true Festgeld: your principal is locked for the term at the rate set when you open the vault. Here’s how it works.
Fully online
Everything happens online: you register, verify your identity and open a vault in your dashboard, without branch visits or paperwork.
Know your return on day one
The rate is set when you open a vault and holds for the whole term, whatever the market does in between. Rate, term and minimum deposit are shown before you commit.
No account fees
The rate you see is the rate your vault earns, with no account or vault fees on top. You can follow the interest credited to your vault every single day.
Choose your vault. Watch it grow.
Three tiers designed for every kind of saver.
Standard Vault
Short-term Festgeld at a fixed rate. Your entry point into WurthAG.
- From €5,000 deposit
- 3-month minimum term
- Daily interest on your deposit
- Interest spendable weekly via Card
- Payout to your own account at term end
- No account fees
Platinum Vault
Mid-term Festgeld for committed savers.
- From €50,000 deposit
- 6-month minimum term
- Daily interest on your deposit
- Interest spendable weekly via Card
- No account fees
- Payout to your own account at term end
Diamond Vault
Our highest-yield Festgeld. Maximum growth for serious savers.
- From €100,000 deposit
- 12-month minimum term
- Daily interest on your deposit
- Interest spendable weekly via Card
- No account fees
- Payout to your own account at term end
- Diamond Vault
- Minimum term: 12 months
- from €100,000
- Simple interest on your deposit, credited daily
Fixed for the full term from the day you open. Your deposit stays locked until maturity.
Save, top up your card and transfer from one account.
Virtual & Physical Cards
Get a free virtual card once your identity is verified, or order a premium metal card. Pay with Apple Pay or Google Pay, and freeze or unfreeze your card at any time, all from your dashboard.
Personal EU IBAN
Once your identity is verified, you receive a personal EU IBAN. No monthly account fees.
Transfers
Send money by SEPA, by SWIFT outside the SEPA area, or free of charge to other WurthAG customers. Every term-end payout is name-matched to your verified identity.
Account Notifications
Every transaction and every interest credit to your vaults is listed in your dashboard activity.
Saving that respects your experience.
We built WurthAG for people who value clarity, security and results. No gimmicks. No jargon. Just a straightforward way to save.
Join WurthAGFrom sign-up to your first vault.
Sign Up
Register with your email address and verify your identity.
Fund Your Account
Send a bank transfer to your personal IBAN.
Open a Vault
Choose your tier, set your amount, and start earning from day one.
Watch It Grow
Track your earnings in your dashboard. Interest is credited to your vault once a day.
Security at every step.
Encrypted connections and identity verification on every account. Every term-end payout is name-matched to your verified identity.
The questions everyone asks.
Short, direct answers. No fine print buried in footnotes.
How is my account secured?
Every WurthAG account is protected by encrypted connections (TLS), password-protected access and identity verification. Your principal stays in your vault for the fixed term at the rate locked at opening, and term-end payouts are name-matched to your verified identity. The conditions that apply to your account and your vaults are set out in the Terms of Service.
How are the rates set?
Each savings tier has its own rate, minimum deposit and minimum term. You choose your term when you open a vault, and the rate stays fixed for that whole term. The rate, minimum term and minimum deposit of every tier are shown on the product page before you open a vault. Read the full breakdown →
Are WurthAG vaults Festgeld or Tagesgeld?
All WurthAG vaults are true Festgeld: your principal is locked for the term you choose (at least 3, 6, or 12 months, depending on the tier). What’s different: your accrued interest is spendable every single week via the WurthAG Card. You get Festgeld-high rates with Tagesgeld-like liquidity on the earnings portion. See how the Card works →
What’s the difference between the three vault tiers?
Standard (3.2%): Festgeld with a minimum term of 3 months, from €5,000. Platinum (4.1%): minimum term 6 months, from €50,000. Diamond (4.4%): minimum term 12 months, from €100,000. You choose your term when you open a vault. All three pay interest daily on your deposit at a rate fixed for the full term, and let you spend accrued interest via the Card weekly.
What happens when my term ends?
Nothing happens automatically: there is no renewal and no new term. After maturity your vault keeps earning at the same rate until you close it, and you can close it in your dashboard at any time. The full balance (principal plus interest) then moves to your current account. From there you can transfer it to your own external bank account, name-matched to your verified identity, or open a new vault. See how transfers work →
Can I withdraw my principal early?
Your principal is locked until the end of the term, which is what makes it Festgeld. What you can do is withdraw your accrued interest to your WurthAG Card every week and spend it freely. Early termination of the principal is not a standard feature; section 4.6 of the Terms of Service sets out the conditions.
How is the interest taxed?
The tax treatment of your interest income depends on your country of residence. We do not give tax advice. For individual questions, please consult a tax advisor.
Can I see the terms before I open a vault?
Yes. The rate, term and minimum deposit of every tier are published on this site before you open anything, and your rate is locked at opening for the full term. The Terms of Service set out the conditions for your account and your vaults. If anything is unclear, contact support before you deposit.
Lock your rate.
Start earning 4.4%.
Lock in your rate today. Your future self will thank you.
No account fees · Rate locked at opening · Online account opening