A fixed-term deposit that actually beats inflation. Up to 4.4% p.a. on your savings, and unlike traditional Festgeld, your interest compounds daily.
It isn’t a gimmick and it isn’t a bonus rate that disappears after 3 months. The difference is structural. Here’s exactly where your yield comes from.
Traditional banks carry decades of branch networks, mainframe IT systems, and retail-loan books. Every euro of overhead comes out of the spread between what your money earns and what they pay you. WurthAG has none of that. We run digital-first, lean by design.
Your Sparkasse lends your deposits out as mortgages at consumer rates and keeps the thin spread. We pool deposits with Tier-1 European asset management partners and allocate into short-term sovereign bonds, regulated money market funds, and institutional credit facilities. That’s where the real yield sits.
Old banks keep most of what your money earns and call it a business model. We take a flat operating margin and pass the rest back to you, fully transparent. You can see the rate we pay out every single day.
At a fixed rate you know on day one what your deposit will earn by the end of the term. Each tier below shows its current rate.
Same money, same year. The difference is the rate it earns. We think the choice is obvious.
All tiers earn from day one, compound daily, and run for a fixed term you choose when you open the vault.
Flexible access with competitive returns. Perfect for your emergency fund or short-term savings.
Higher returns for committed savers. The sweet spot between yield and liquidity for mid-term goals.
Our highest return tier. Maximum growth for serious savers with long-term horizons.
It earns the published rate of your tier from day one, and interest compounds daily for the full term you chose. Your balance and accrued interest are visible in your dashboard in real time. At term end, you roll it over or transfer the full amount to an external account in your own verified name.
€5,000 for the Standard Vault, €50,000 for the Platinum Vault, and €100,000 for the Diamond Vault. The higher the tier, the higher the rate — all three compound daily.
The Standard Vault offers flexible early access so you can withdraw if you need to (with a small interest adjustment). Platinum and Diamond are genuine fixed-term products, but you can still take your accrued interest to your card every week while your principal stays locked in and earning.
At term end, your full balance — principal plus accrued interest — can be transferred to your own linked external bank account in a single tap. See how transfers work, or choose to automatically roll your deposit over at the same or a higher tier.
Because we don’t take banks’ money. We pool depositor funds ourselves and deploy them through European asset management partners into short-term sovereign debt, money market instruments, and institutional credit.
Open a WurthAG Vault in 3 minutes. No lock-ins, no hidden fees, no nonsense.
Open a Vault