Najlepšie Sporenie a vklady v Nemecko
Investovanie do Sporenie a vklady je kľúčová stratégia pre rezidentov v Nemecko, ktorí chcú chrániť svoje úspory pred infláciou.
S infláciou 2.8% v Nemecko a da��ovou sadzbou 26.4% je hľadanie produktov s kladným reálnym výnosom nevyhnutné.
Historický vývoj
Porovnajte priemerný výnos Sporenie a vklady s infláciou
Porovnajte výnosy Sporenie a vklady v Nemecko
| Typ | Inštitúcia | Hrubý výnos | Po zdanení | Reálny výnos | Stav | Podrobnosti |
|---|---|---|---|---|---|---|
| Sporenie a vklady | Consorsbank Tagesgeld+ (3M) DE | 3.40% | 2.50% | -0.30% | Prehráva | First 3 months promo for new customers, April 2026 |
| Sporenie a vklady | TF Bank Flexible DE | 3.00% | 2.21% | -0.59% | Prehráva | Variable rate, monthly interest, April 2026: 3.00% |
| Sporenie a vklady | BBVA Germany (6M Promo) DE | 3.00% | 2.21% | -0.59% | Prehráva | 3.00% for first 6 months, then 0.50%, up to €500k, free account, April 2026 |
| Sporenie a vklady | Deutsche Bank Depósito Confianza (12M) DE | 3.00% | 2.21% | -0.59% | Prehráva | 12-month term, €10k-€300k, bonuses for nómina + card |
| Sporenie a vklady | Consorsbank Fixed 24M DE | 2.80% | 2.06% | -0.74% | Prehráva | 24-month term, €500-€100k, compound quarterly |
| Sporenie a vklady | Comdirect Tagesgeld PLUS (6M) DE | 2.75% | 2.02% | -0.78% | Prehráva | First 6 months promo, then 0.75%, quarterly interest, April 2026 |
| Sporenie a vklady | Ayvens Bank (DE) DE | 2.55% | 1.88% | -0.92% | Prehráva | French fleet mgmt. bank, usually highest DE rate, self-tax filing |
| Sporenie a vklady | Volkswagen Bank (12M) DE | 2.55% | 1.88% | -0.92% | Prehráva | 12-month term deposit via Raisin |
| Sporenie a vklady | Scalable Capital (PRIME+) DE | 2.50% | 1.84% | -0.96% | Prehráva | Requires PRIME+ broker plan (€4.99/mo), unlimited deposit, April 2026: 2.50% |
| Sporenie a vklady | Bunq Easy Savings (Weekly) DE | 2.26% | 1.66% | -1.14% | Prehráva | Weekly compound, higher balances get 2.26%, base 1.51% |
| Sporenie a vklady | Trading 212 Flexible Savings DE | 2.20% | 1.62% | -1.18% | Prehráva | UK fintech, investor protection ~€20k, instant access |
| Sporenie a vklady | Bigbank Flexible Savings DE | 2.05% | 1.51% | -1.29% | Prehráva | Estonian deposit guarantee, up to €100k, instant access |
| Sporenie a vklady | Trade Republic Cash Account DE | 2.00% | 1.47% | -1.33% | Prehráva | Instant access, tracks ECB rate, up to €50k |
| Sporenie a vklady | N26 Savings Account DE | 2.00% | 1.47% | -1.33% | Prehráva | Metal plan only (€16.90/mo), instant access |
| Sporenie a vklady | N26 Metal Savings DE | 2.00% | 1.47% | -1.33% | Prehráva | Requires Metal plan (€16.90/mo), instant access, ECB-linked |
| Sporenie a vklady | Lightyear Cash Account DE | 1.91% | 1.41% | -1.39% | Prehráva | Estonian broker, monthly interest, no limit |
| Sporenie a vklady | Klarna Savings Account DE | 1.87% | 1.38% | -1.42% | Prehráva | Swedish fintech, instant access, monthly interest |
| Sporenie a vklady | Revolut Savings Vault EU | 1.85% | 1.36% | -1.44% | Prehráva | Premium/Metal plans, instant access, up to €100k |
| Sporenie a vklady | C24 Smart Account DE | 1.80% | 1.33% | -1.47% | Prehráva | Instant access, German neobank, monthly interest |
| Sporenie a vklady | Openbank Cuenta Nómina DE | 1.80% | 1.33% | -1.47% | Prehráva | Santander subsidiary, salary required, instant access |
| Sporenie a vklady | Bunq EasyBank Savings DE | 1.56% | 1.15% | -1.65% | Prehráva | Instant access, Dutch deposit guarantee, monthly interest |
| Sporenie a vklady | ING Extra Account (3M) DE | 1.50% | 1.10% | -1.70% | Prehráva | First 3 months promo, then 1.25%, instant access |