Now available — Savings Vaults are live

8.6%p.a.Festgeld. Done right.

Swiss Festgeld · 12-month Diamond Vault · from €100,000
2.8%Sparkasse
3.5%Raisin
8.6%Eisenberg Bank

Swiss Festgeld, compounded daily. Your principal is locked for the term; your interest is spendable every week through the Eisenberg Bank Card. Open a vault in 3 minutes.

Open a Vault Why 8.6%? ↓
Rates as of April 2026. Subject to change. Your rate is locked at the time of vault opening for the full term. See product details
Swiss-regulated·Dual deposit protection·52K+ Members
Young woman in cream sweater checking her finances on her phone at a sunlit Berlin apartment table
Income this month
+€4,230.00
Savings goal
78% reached
Dual deposit protection
CHF 100K Swiss (esisuisse) + €100K EU DGS via partner bank
Swiss-regulated
FINMA-supervised · EU banking passport
Bank-grade security
256-bit encryption, 2FA, fraud monitoring
Daily compound interest
Unique among European Festgeld products
Featured in
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Verified members
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Real People, Real Results

Trusted by families across Europe.

Klaus M.
Klaus M.
Earning 8.6% since 2025
Hans & Maria K.
Hans & Maria K.
Retired with Eisenberg Bank
Thomas R.
Thomas R.
Smart saver since day one
De Vries Family
De Vries Family
Family savings secured
The Difference

Your bank is costing you money.

The best Festgeld in Germany caps around 3%. Eisenberg Bank earns up to 8.6%. Drag the slider to see your returns in real euros — compounded daily.

3.0%Raisin / Trade Republic
vs
8.6%Eisenberg Bank Diamond Vault
See how much more you could earn
Drag the slider to set your deposit amount
€10.000
€5K€200K€400K€600K€800K
Local Bank Earnings
€320
At 3.2% annual
Eisenberg Bank Earnings
€860
At 8.6% annual
You earn more with Eisenberg Bank
+€540
extra per year in your pocket
The Math

Why we pay 8.6% while Germany’s best Festgeld caps at 3%.

It isn’t a gimmick and it isn’t a bonus rate that disappears after 3 months. All three Eisenberg Bank vaults are true Festgeld — your principal is locked for the term, and the difference is structural. Here’s exactly where your yield comes from.

1

No branches, no legacy drag

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. Eisenberg Bank has none of that. We were built this decade, digital-first, lean by design.

2

Wholesale access, not retail scraps

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.

3

Thin fee, not a fat spread

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 audited, fully regulated under Swiss financial law (FINMA) and EU deposit frameworks, and fully transparent — you can see the rate we pay out every single day.

The best of both worlds.
Traditional Festgeld locks both your principal AND your interest until the term ends. Eisenberg Bank locks the principal for the term, but your accrued interest is spendable every single week via the Eisenberg Bank Card. Festgeld-high rates, Tagesgeld-like liquidity on the interest. See how the Card works →
Savings Vaults

Choose your vault. Watch it grow.

Three tiers designed for every kind of saver.

Standard Vault
FESTGELD · 3 MONTHS
Standard

Standard Vault

5.2% p.a.
Switzerland · AAA · FINMA-supervised · EU-passported
Subject to KESt + Soli · €1,000 tax-free allowance

Short-term Festgeld with market-beating yield. Your entry point into Eisenberg Bank.

On €10,000 for 3 months
Interest earned€130
Final payout€10,130
  • From €5,000 deposit
  • 3-month fixed term
  • Daily interest, compounded
  • Interest spendable weekly via Card
  • Flexible renewal options
  • No account fees
Open Standard Vault
Platinum Vault
FESTGELD · 6 MONTHS
Platinum

Platinum Vault

7.4% p.a.
Switzerland · AAA · FINMA-supervised · EU-passported
Subject to KESt + Soli · €1,000 tax-free allowance

Mid-term Festgeld for committed savers. Build real wealth over time.

On €50,000 for 6 months
Interest earned€1,850
Final payout€51,850
  • From €50,000 deposit
  • 6-month fixed term
  • Daily interest, compounded
  • Interest spendable weekly via Card
  • Dedicated account manager
  • Auto-rollover option
Open Platinum Vault
Highest yield
Diamond Vault
FESTGELD · 12 MONTHS
Diamond

Diamond Vault

8.6% p.a.
Switzerland · AAA · FINMA-supervised · EU-passported
Subject to KESt + Soli · €1,000 tax-free allowance

Our highest-yield Festgeld. Maximum growth for serious savers.

On €100,000 for 12 months
Interest earned€8,600
Final payout€108,600
  • From €100,000 deposit
  • 12-month fixed term
  • Daily interest, compounded
  • Interest spendable weekly via Card
  • Priority support line
  • Exclusive member benefits
Open Diamond Vault
What Our Members Say

People love Eisenberg Bank.

Thousands of Europeans are earning real returns on their savings.

I hesitated for three months because I thought 8.6% couldn't be real. Now I have €45,000 in the Diamond Vault and I'm earning more in one month than Sparkasse paid me in an entire year.
Klaus Werner
Klaus Werner
IT Consultant, Berlin
Retired last spring and needed my savings to actually work. The Growth Vault at 7.4% pays my monthly grocery bills now. Setup took 90 seconds — I didn't even need to leave the sofa.
Ingrid Hoffmann
Ingrid Hoffmann
Retired Teacher, Munich
As a freelance designer my income is unpredictable, so I need access AND returns. Flex Vault is perfect — 5.2% with no lock-in. My emergency fund finally earns something meaningful.
Laura Beck
Laura Beck
Freelance Designer, Hamburg
I moved €80,000 from Deutsche Bank after comparing the numbers for a week. The EU deposit protection up to €100,000 was what finally convinced my wife. Now we both sleep better.
Markus Schneider
Markus Schneider
Mechanical Engineer, Stuttgart
My husband was skeptical of online banks but after seeing our first interest payment he switched his own account too. We use the virtual cards for holidays — zero conversion fees anywhere in Europe.
Petra Lang
Petra Lang
Administrator, Cologne
I'm a nurse and I never had time to optimize my finances. Eisenberg Bank made it genuinely simple. Opened a Growth Vault in three minutes on my break. Honest rates, no small print, no nonsense.
Nadine Keller
Nadine Keller
Nurse, Frankfurt
Small business owner here. I park surplus cash in the Platinum Vault between projects — 7.4% is better than any business savings account I've ever seen in Germany. My accountant was speechless.
Stefan Brunner
Stefan Brunner
Workshop Owner, Dresden
Being an expat in Berlin, I always struggled with German banks. Eisenberg Bank works in English, accepted my Spanish ID instantly, and the interest rates are real. Game changer for internationals.
Diego Martín
Diego Martín
Software Engineer, Berlin
I saved for my daughter's university for twelve years at 0.01% with my old bank. Six months on Eisenberg Bank and I've already added €3,200 in interest. I wish I had found this a decade ago.
Birgit Fischer
Birgit Fischer
Accountant, Hannover
Young professional, skeptical by nature. I tested with €5,000 for two months. Withdrew it instantly when I wanted to confirm liquidity. Then moved €60,000. Everything works exactly as advertised.
Tobias Graf
Tobias Graf
Management Consultant, Munich
We're a retired couple from Salzburg. The security features, the real phone support, and the €100,000 EU guarantee gave us the confidence to transfer our life savings. Best decision we've made.
Hans & Maria Kofler
Hans & Maria Kofler
Retired Couple, Salzburg
My Sparkasse savings account pays 0.4%. Eisenberg Bank pays 8.6% on the same money, in the same EU deposit protection zone. I genuinely don't understand why anyone still uses traditional banks.
Andreas Vogel
Andreas Vogel
Architect, Düsseldorf
The app is genuinely beautiful — I actually enjoy checking my balance now. My accrued interest shows in real time. It feels like watching my money work for me instead of the other way around.
Jana Richter
Jana Richter
Marketing Manager, Leipzig
I'm 67 and not very techy, but my son set it up for me in ten minutes. I get notifications for every transaction which makes me feel safe. And the returns... well, I finally have a reason to save again.
Heinrich Müller
Heinrich Müller
Pensioner, Bremen
Opened the Flex Vault for my small catering business. I can move money in and out anytime for supplier payments, but it still earns 5.2% while it sits there. No German bank offered anything close.
Sofia Bauer
Sofia Bauer
Caterer, Nuremberg
Moved from Austria to Germany for work and needed a bank fast. Eisenberg Bank verified me in two days with my Austrian passport. Cards arrived in a week. Painless cross-border onboarding.
Matthias Huber
Matthias Huber
Project Manager, Vienna → Munich
My accountant recommended Eisenberg Bank for my practice's operating cash. We earn 7.4% on reserves that used to sit at 0% — that's tens of thousands per year in additional revenue, risk-free.
Dr. Michael Weber
Dr. Michael Weber
Dentist, Frankfurt
I'm a single mum, every euro counts. I put my emergency fund in the Flex Vault last autumn. The extra €60 a month in interest literally pays for my daughter's piano lessons. Life changing.
Katrin Seidel
Katrin Seidel
Nurse, Dortmund
Used Eisenberg Bank for six months as a test before committing. Zero issues. Transfers arrive in seconds. Support replied to every question in under an hour. I moved my main savings last week.
Felix Baumann
Felix Baumann
Lawyer, Hamburg
Retired from the Bundeswehr two years ago and was looking for something safer than stocks but better than a savings book. The Growth Vault was exactly the answer. Zero regrets.
Wolfgang Schmidt
Wolfgang Schmidt
Retired Officer, Potsdam
I hesitated for three months because I thought 8.6% couldn't be real. Now I have €45,000 in the Diamond Vault and I'm earning more in one month than Sparkasse paid me in an entire year.
Klaus Werner
Klaus Werner
IT Consultant, Berlin
Retired last spring and needed my savings to actually work. The Growth Vault at 7.4% pays my monthly grocery bills now. Setup took 90 seconds — I didn't even need to leave the sofa.
Ingrid Hoffmann
Ingrid Hoffmann
Retired Teacher, Munich
As a freelance designer my income is unpredictable, so I need access AND returns. Flex Vault is perfect — 5.2% with no lock-in. My emergency fund finally earns something meaningful.
Laura Beck
Laura Beck
Freelance Designer, Hamburg
I moved €80,000 from Deutsche Bank after comparing the numbers for a week. The EU deposit protection up to €100,000 was what finally convinced my wife. Now we both sleep better.
Markus Schneider
Markus Schneider
Mechanical Engineer, Stuttgart
My husband was skeptical of online banks but after seeing our first interest payment he switched his own account too. We use the virtual cards for holidays — zero conversion fees anywhere in Europe.
Petra Lang
Petra Lang
Administrator, Cologne
I'm a nurse and I never had time to optimize my finances. Eisenberg Bank made it genuinely simple. Opened a Growth Vault in three minutes on my break. Honest rates, no small print, no nonsense.
Nadine Keller
Nadine Keller
Nurse, Frankfurt
Small business owner here. I park surplus cash in the Platinum Vault between projects — 7.4% is better than any business savings account I've ever seen in Germany. My accountant was speechless.
Stefan Brunner
Stefan Brunner
Workshop Owner, Dresden
Being an expat in Berlin, I always struggled with German banks. Eisenberg Bank works in English, accepted my Spanish ID instantly, and the interest rates are real. Game changer for internationals.
Diego Martín
Diego Martín
Software Engineer, Berlin
I saved for my daughter's university for twelve years at 0.01% with my old bank. Six months on Eisenberg Bank and I've already added €3,200 in interest. I wish I had found this a decade ago.
Birgit Fischer
Birgit Fischer
Accountant, Hannover
Young professional, skeptical by nature. I tested with €5,000 for two months. Withdrew it instantly when I wanted to confirm liquidity. Then moved €60,000. Everything works exactly as advertised.
Tobias Graf
Tobias Graf
Management Consultant, Munich
We're a retired couple from Salzburg. The security features, the real phone support, and the €100,000 EU guarantee gave us the confidence to transfer our life savings. Best decision we've made.
Hans & Maria Kofler
Hans & Maria Kofler
Retired Couple, Salzburg
My Sparkasse savings account pays 0.4%. Eisenberg Bank pays 8.6% on the same money, in the same EU deposit protection zone. I genuinely don't understand why anyone still uses traditional banks.
Andreas Vogel
Andreas Vogel
Architect, Düsseldorf
The app is genuinely beautiful — I actually enjoy checking my balance now. My accrued interest shows in real time. It feels like watching my money work for me instead of the other way around.
Jana Richter
Jana Richter
Marketing Manager, Leipzig
I'm 67 and not very techy, but my son set it up for me in ten minutes. I get notifications for every transaction which makes me feel safe. And the returns... well, I finally have a reason to save again.
Heinrich Müller
Heinrich Müller
Pensioner, Bremen
Opened the Flex Vault for my small catering business. I can move money in and out anytime for supplier payments, but it still earns 5.2% while it sits there. No German bank offered anything close.
Sofia Bauer
Sofia Bauer
Caterer, Nuremberg
Moved from Austria to Germany for work and needed a bank fast. Eisenberg Bank verified me in two days with my Austrian passport. Cards arrived in a week. Painless cross-border onboarding.
Matthias Huber
Matthias Huber
Project Manager, Vienna → Munich
My accountant recommended Eisenberg Bank for my practice's operating cash. We earn 7.4% on reserves that used to sit at 0% — that's tens of thousands per year in additional revenue, risk-free.
Dr. Michael Weber
Dr. Michael Weber
Dentist, Frankfurt
I'm a single mum, every euro counts. I put my emergency fund in the Flex Vault last autumn. The extra €60 a month in interest literally pays for my daughter's piano lessons. Life changing.
Katrin Seidel
Katrin Seidel
Nurse, Dortmund
Used Eisenberg Bank for six months as a test before committing. Zero issues. Transfers arrive in seconds. Support replied to every question in under an hour. I moved my main savings last week.
Felix Baumann
Felix Baumann
Lawyer, Hamburg
Retired from the Bundeswehr two years ago and was looking for something safer than stocks but better than a savings book. The Growth Vault was exactly the answer. Zero regrets.
Wolfgang Schmidt
Wolfgang Schmidt
Retired Officer, Potsdam
I run a bakery in Cologne. Moved our emergency reserves to Eisenberg Bank's Flex Vault and now we earn €400 a month in interest that used to be zero. That's a new oven every year, for free.
Christian Wagner
Christian Wagner
Bakery Owner, Cologne
My wife and I opened a joint Diamond Vault for our retirement. €150,000 at 8.6%, fully insured under EU rules. We calculate our own future now instead of begging the bank for crumbs.
Rainer Schulz
Rainer Schulz
Chemist, Mannheim
Freelance photographer — income comes in lumps. The Flex Vault means my savings actually grow between jobs. And I can pull money out the same day if a client is late paying me.
Anna Krüger
Anna Krüger
Photographer, Berlin
PhD student, not rich, just careful. €8,000 in the Growth Vault earns more than my parents earn on €100,000 at Volksbank. Something is deeply wrong with traditional German banking.
Moritz Walter
Moritz Walter
Doctoral Researcher, Heidelberg
Austrian retiree. I was worried about transferring from my local bank but the whole process was handled online in two days. Now my pension lands in Eisenberg Bank and earns 7.4% until I need it.
Elisabeth Pichler
Elisabeth Pichler
Retired, Graz
My tax advisor told me to look at Eisenberg Bank. I was surprised he recommended anything online. Moved our family savings the next week. Six months later, my tax advisor moved his own too.
Jürgen Schmidt
Jürgen Schmidt
Engineer, Nuremberg
I'm Polish, living in Munich. Finding a bank that accepted me was hard. Eisenberg Bank took 90 seconds and speaks my language through the app. Feels like finally being treated as a real European.
Magda Kowalski
Magda Kowalski
Logistics Coordinator, Munich
We sold our house and needed somewhere safe to park the money before buying the next one. Six months in the Growth Vault earned us enough for the kitchen renovation. Real, tangible money.
Thomas & Sandra Ross
Thomas & Sandra Ross
Family, Bonn
I'm 34 and I grew up seeing my parents lose to inflation. Eisenberg Bank is the first time I've felt I could actually build savings instead of just watch them erode slowly into nothing.
Daniel Koch
Daniel Koch
Software Developer, Berlin
As a civil servant my salary is steady but small. The compounding interest on my Growth Vault is slowly building a real cushion for the first time in my career — and I'm 31 years old.
Verena Böhm
Verena Böhm
Public Sector, Stuttgart
Inherited money from my grandmother. I didn't want to gamble it on stocks. Diamond Vault at 8.6% felt right — steady, safe, EU protected. I think she would have approved of that choice.
Elena Rossi
Elena Rossi
Nurse, Bolzano
We own a small family farm. Seasonal cashflow means we need flexibility. The Flex Vault lets us park money during harvest and withdraw for spring equipment purchases. It simply fits our life.
Peter & Marta Maier
Peter & Marta Maier
Farmers, Bavaria
I check my Eisenberg Bank app every morning with my coffee. Watching the interest accrue in real time is weirdly satisfying. My grandchildren will inherit something real now, not nothing.
Greta Winter
Greta Winter
Retired, Salzburg
Electrician, own my own shop, two employees. Moved €120,000 of operating capital to the Platinum Vault. The extra interest alone covers my annual business insurance. That's free money.
Bernd Jäger
Bernd Jäger
Electrician, Essen
My son moved me to Eisenberg Bank when my Sparkasse statement showed 8 cents of interest on €40,000. Eight cents. Now I earn that every hour. The difference is genuinely unreal.
Christa Hoffmann
Christa Hoffmann
Retired Teacher, Leipzig
I'm a waitress saving for university. The Flex Vault lets me add small amounts from every paycheck and still earn real interest. Every tip matters, and Eisenberg Bank makes them actually count.
Lea Fuchs
Lea Fuchs
Student, Vienna
Relocated from Zurich to Berlin. Eisenberg Bank handled the cross-border transfer beautifully. I use the multi-currency feature to still pay my Swiss insurance in CHF — with zero conversion fees.
Marco Steiner
Marco Steiner
Finance Analyst, Berlin
I manage finances for a small engineering consultancy. We moved our VAT reserves to the Flex Vault. Same-day liquidity, real interest, EU protected. Our auditor had precisely zero objections.
Sabine Lorenz
Sabine Lorenz
CFO, Hamburg
My husband passed away last year. I was lost managing money alone. Eisenberg Bank support walked me through setup with real patience. Now I have a Growth Vault and I finally feel in control again.
Ulrike Neumann
Ulrike Neumann
Widow, Dresden
I was a total skeptic. Too good to be true, I said. Put in €1,000 as a test. Watched it work for three months. Now I have €200,000 across three vaults. Being wrong has never felt this good.
Alexander Krüger
Alexander Krüger
Entrepreneur, Frankfurt
I run a bakery in Cologne. Moved our emergency reserves to Eisenberg Bank's Flex Vault and now we earn €400 a month in interest that used to be zero. That's a new oven every year, for free.
Christian Wagner
Christian Wagner
Bakery Owner, Cologne
My wife and I opened a joint Diamond Vault for our retirement. €150,000 at 8.6%, fully insured under EU rules. We calculate our own future now instead of begging the bank for crumbs.
Rainer Schulz
Rainer Schulz
Chemist, Mannheim
Freelance photographer — income comes in lumps. The Flex Vault means my savings actually grow between jobs. And I can pull money out the same day if a client is late paying me.
Anna Krüger
Anna Krüger
Photographer, Berlin
PhD student, not rich, just careful. €8,000 in the Growth Vault earns more than my parents earn on €100,000 at Volksbank. Something is deeply wrong with traditional German banking.
Moritz Walter
Moritz Walter
Doctoral Researcher, Heidelberg
Austrian retiree. I was worried about transferring from my local bank but the whole process was handled online in two days. Now my pension lands in Eisenberg Bank and earns 7.4% until I need it.
Elisabeth Pichler
Elisabeth Pichler
Retired, Graz
My tax advisor told me to look at Eisenberg Bank. I was surprised he recommended anything online. Moved our family savings the next week. Six months later, my tax advisor moved his own too.
Jürgen Schmidt
Jürgen Schmidt
Engineer, Nuremberg
I'm Polish, living in Munich. Finding a bank that accepted me was hard. Eisenberg Bank took 90 seconds and speaks my language through the app. Feels like finally being treated as a real European.
Magda Kowalski
Magda Kowalski
Logistics Coordinator, Munich
We sold our house and needed somewhere safe to park the money before buying the next one. Six months in the Growth Vault earned us enough for the kitchen renovation. Real, tangible money.
Thomas & Sandra Ross
Thomas & Sandra Ross
Family, Bonn
I'm 34 and I grew up seeing my parents lose to inflation. Eisenberg Bank is the first time I've felt I could actually build savings instead of just watch them erode slowly into nothing.
Daniel Koch
Daniel Koch
Software Developer, Berlin
As a civil servant my salary is steady but small. The compounding interest on my Growth Vault is slowly building a real cushion for the first time in my career — and I'm 31 years old.
Verena Böhm
Verena Böhm
Public Sector, Stuttgart
Inherited money from my grandmother. I didn't want to gamble it on stocks. Diamond Vault at 8.6% felt right — steady, safe, EU protected. I think she would have approved of that choice.
Elena Rossi
Elena Rossi
Nurse, Bolzano
We own a small family farm. Seasonal cashflow means we need flexibility. The Flex Vault lets us park money during harvest and withdraw for spring equipment purchases. It simply fits our life.
Peter & Marta Maier
Peter & Marta Maier
Farmers, Bavaria
I check my Eisenberg Bank app every morning with my coffee. Watching the interest accrue in real time is weirdly satisfying. My grandchildren will inherit something real now, not nothing.
Greta Winter
Greta Winter
Retired, Salzburg
Electrician, own my own shop, two employees. Moved €120,000 of operating capital to the Platinum Vault. The extra interest alone covers my annual business insurance. That's free money.
Bernd Jäger
Bernd Jäger
Electrician, Essen
My son moved me to Eisenberg Bank when my Sparkasse statement showed 8 cents of interest on €40,000. Eight cents. Now I earn that every hour. The difference is genuinely unreal.
Christa Hoffmann
Christa Hoffmann
Retired Teacher, Leipzig
I'm a waitress saving for university. The Flex Vault lets me add small amounts from every paycheck and still earn real interest. Every tip matters, and Eisenberg Bank makes them actually count.
Lea Fuchs
Lea Fuchs
Student, Vienna
Relocated from Zurich to Berlin. Eisenberg Bank handled the cross-border transfer beautifully. I use the multi-currency feature to still pay my Swiss insurance in CHF — with zero conversion fees.
Marco Steiner
Marco Steiner
Finance Analyst, Berlin
I manage finances for a small engineering consultancy. We moved our VAT reserves to the Flex Vault. Same-day liquidity, real interest, EU protected. Our auditor had precisely zero objections.
Sabine Lorenz
Sabine Lorenz
CFO, Hamburg
My husband passed away last year. I was lost managing money alone. Eisenberg Bank support walked me through setup with real patience. Now I have a Growth Vault and I finally feel in control again.
Ulrike Neumann
Ulrike Neumann
Widow, Dresden
I was a total skeptic. Too good to be true, I said. Put in €1,000 as a test. Watched it work for three months. Now I have €200,000 across three vaults. Being wrong has never felt this good.
Alexander Krüger
Alexander Krüger
Entrepreneur, Frankfurt
I teach at a Gymnasium and I'm naturally cautious with money. The EU deposit guarantee made Eisenberg Bank feel legitimate from day one. Two years later, I've told every colleague in the staff room.
Silke Möller
Silke Möller
Teacher, Hannover
As a young couple buying our first apartment, we parked our down payment in the Flex Vault for six months before the closing. Earned €1,800 extra. That's the entire cost of our movers.
Jan & Lisa Becker
Jan & Lisa Becker
First-time Buyers, Düsseldorf
I was paying Deutsche Bank €60 a month in account fees to earn zero interest. Switched to Eisenberg Bank, pay nothing, earn real returns. My only regret is not doing this three years sooner.
Holger Zimmermann
Holger Zimmermann
Sales Director, Munich
Retired engineer here. I built my career on math, and the math on Eisenberg Bank simply adds up. Sparkasse: 0.4%. Eisenberg Bank: 8.6%. Same EU protection either way. I'd be a fool to stay put.
Dieter Roth
Dieter Roth
Retired Engineer, Karlsruhe
I'm a midwife. I work long shifts and I don't want to think about banking. Eisenberg Bank sends me a notification when my interest hits each month. That's all the thinking I need to do.
Julia Voss
Julia Voss
Midwife, Berlin
Opened a Diamond Vault for my grandchildren's education fund. €100,000 locked in at 8.6% for twelve months. By the time my grandson is 18, he'll have serious money for university. Serious.
Friedrich Baumann
Friedrich Baumann
Retired, Bremen
Russian expat in Hamburg. I didn't trust any German bank because of the paperwork nightmare. Eisenberg Bank accepted my residence permit in two hours. First real savings of my adult life.
Anton Petrov
Anton Petrov
Welder, Hamburg
I've run my dental practice for 22 years. I have never seen a savings product with this combination of rate, security, and liquidity. My entire staff uses Eisenberg Bank now too.
Dr. Renate Hartmann
Dr. Renate Hartmann
Dentist, Augsburg
Young family, two kids, tight budget. The Flex Vault means our emergency fund is actually growing instead of being eaten by inflation. €40 a month of free interest pays for swim lessons.
Florian & Carola Weiss
Florian & Carola Weiss
Parents, Ulm
Retired pharmacist. Spent years watching my savings evaporate at 0.1%. My son showed me Eisenberg Bank last Christmas. Best gift he's ever given me — and I have raised four wonderful sons.
Monika Hübner
Monika Hübner
Retired Pharmacist, Erfurt
Started a tech startup last year. Our bridge round cash sits in a Growth Vault earning 7.4% until we deploy it. The extra €12k a quarter pays our cloud bill. Runway extension, for free.
Paul Richter
Paul Richter
Founder, Berlin
My mother passed and left me the family home. I sold it and put the proceeds in Eisenberg Bank while deciding what to do. Six months of real interest paid for her headstone and a family trip.
Claudia Hoffmann
Claudia Hoffmann
Nurse, Kiel
I'm a truck driver, on the road five days a week. The app works on my phone, my interest grows while I sleep in my cab, and support answers fast. Eisenberg Bank respects my time.
Manfred Koch
Manfred Koch
Truck Driver, Wuppertal
Swiss citizen working in Frankfurt. Eisenberg Bank handled my cross-border account with zero drama. I send CHF to family in Switzerland, and EUR stays in my Growth Vault earning real interest.
Lukas Meier
Lukas Meier
Consultant, Frankfurt
Mother of three. I needed a simple way to save for school trips, braces, and birthdays without constantly shuffling money around. Three Flex Vaults, one per kid. Pure peace of mind.
Susanne Lange
Susanne Lange
Mother of Three, Bochum
I'm 28 and I just learned what compound interest actually means. Eisenberg Bank shows it to me in real time. My generation has been lied to about banks. This is what financial freedom looks like.
Max Scholz
Max Scholz
Marketing Coordinator, Berlin
Long-time Diamond Vault member. The €100,000 minimum felt like a stretch but the returns have paid back my annual living costs twice over. I recommend it to every friend over 50.
Hubert Walter
Hubert Walter
Retired Executive, Düsseldorf
Ran a Volkswagen dealership for thirty years. Moved my retirement savings in phases over six months to be cautious. Everything worked perfectly. Now I tell my old customers to do the same.
Gerhard Fuchs
Gerhard Fuchs
Retired Dealer, Wolfsburg
I'm a Ukrainian refugee who arrived in 2023. Eisenberg Bank was the only bank that accepted me without months of paperwork. I now have €6,000 in a Flex Vault. First real savings of my life.
Oksana Shevchenko
Oksana Shevchenko
Caregiver, Berlin
I was a skeptic, my husband was a skeptic, my brother-in-law who works at a Sparkasse is STILL a skeptic. Meanwhile our family has earned over €18,000 in interest in eight months. Numbers don't lie.
Helena Richter
Helena Richter
Family Office Manager, Frankfurt
I teach at a Gymnasium and I'm naturally cautious with money. The EU deposit guarantee made Eisenberg Bank feel legitimate from day one. Two years later, I've told every colleague in the staff room.
Silke Möller
Silke Möller
Teacher, Hannover
As a young couple buying our first apartment, we parked our down payment in the Flex Vault for six months before the closing. Earned €1,800 extra. That's the entire cost of our movers.
Jan & Lisa Becker
Jan & Lisa Becker
First-time Buyers, Düsseldorf
I was paying Deutsche Bank €60 a month in account fees to earn zero interest. Switched to Eisenberg Bank, pay nothing, earn real returns. My only regret is not doing this three years sooner.
Holger Zimmermann
Holger Zimmermann
Sales Director, Munich
Retired engineer here. I built my career on math, and the math on Eisenberg Bank simply adds up. Sparkasse: 0.4%. Eisenberg Bank: 8.6%. Same EU protection either way. I'd be a fool to stay put.
Dieter Roth
Dieter Roth
Retired Engineer, Karlsruhe
I'm a midwife. I work long shifts and I don't want to think about banking. Eisenberg Bank sends me a notification when my interest hits each month. That's all the thinking I need to do.
Julia Voss
Julia Voss
Midwife, Berlin
Opened a Diamond Vault for my grandchildren's education fund. €100,000 locked in at 8.6% for twelve months. By the time my grandson is 18, he'll have serious money for university. Serious.
Friedrich Baumann
Friedrich Baumann
Retired, Bremen
Russian expat in Hamburg. I didn't trust any German bank because of the paperwork nightmare. Eisenberg Bank accepted my residence permit in two hours. First real savings of my adult life.
Anton Petrov
Anton Petrov
Welder, Hamburg
I've run my dental practice for 22 years. I have never seen a savings product with this combination of rate, security, and liquidity. My entire staff uses Eisenberg Bank now too.
Dr. Renate Hartmann
Dr. Renate Hartmann
Dentist, Augsburg
Young family, two kids, tight budget. The Flex Vault means our emergency fund is actually growing instead of being eaten by inflation. €40 a month of free interest pays for swim lessons.
Florian & Carola Weiss
Florian & Carola Weiss
Parents, Ulm
Retired pharmacist. Spent years watching my savings evaporate at 0.1%. My son showed me Eisenberg Bank last Christmas. Best gift he's ever given me — and I have raised four wonderful sons.
Monika Hübner
Monika Hübner
Retired Pharmacist, Erfurt
Started a tech startup last year. Our bridge round cash sits in a Growth Vault earning 7.4% until we deploy it. The extra €12k a quarter pays our cloud bill. Runway extension, for free.
Paul Richter
Paul Richter
Founder, Berlin
My mother passed and left me the family home. I sold it and put the proceeds in Eisenberg Bank while deciding what to do. Six months of real interest paid for her headstone and a family trip.
Claudia Hoffmann
Claudia Hoffmann
Nurse, Kiel
I'm a truck driver, on the road five days a week. The app works on my phone, my interest grows while I sleep in my cab, and support answers fast. Eisenberg Bank respects my time.
Manfred Koch
Manfred Koch
Truck Driver, Wuppertal
Swiss citizen working in Frankfurt. Eisenberg Bank handled my cross-border account with zero drama. I send CHF to family in Switzerland, and EUR stays in my Growth Vault earning real interest.
Lukas Meier
Lukas Meier
Consultant, Frankfurt
Mother of three. I needed a simple way to save for school trips, braces, and birthdays without constantly shuffling money around. Three Flex Vaults, one per kid. Pure peace of mind.
Susanne Lange
Susanne Lange
Mother of Three, Bochum
I'm 28 and I just learned what compound interest actually means. Eisenberg Bank shows it to me in real time. My generation has been lied to about banks. This is what financial freedom looks like.
Max Scholz
Max Scholz
Marketing Coordinator, Berlin
Long-time Diamond Vault member. The €100,000 minimum felt like a stretch but the returns have paid back my annual living costs twice over. I recommend it to every friend over 50.
Hubert Walter
Hubert Walter
Retired Executive, Düsseldorf
Ran a Volkswagen dealership for thirty years. Moved my retirement savings in phases over six months to be cautious. Everything worked perfectly. Now I tell my old customers to do the same.
Gerhard Fuchs
Gerhard Fuchs
Retired Dealer, Wolfsburg
I'm a Ukrainian refugee who arrived in 2023. Eisenberg Bank was the only bank that accepted me without months of paperwork. I now have €6,000 in a Flex Vault. First real savings of my life.
Oksana Shevchenko
Oksana Shevchenko
Caregiver, Berlin
I was a skeptic, my husband was a skeptic, my brother-in-law who works at a Sparkasse is STILL a skeptic. Meanwhile our family has earned over €18,000 in interest in eight months. Numbers don't lie.
Helena Richter
Helena Richter
Family Office Manager, Frankfurt
Top market Festgeld: 3.0% — Eisenberg Bank: 8.6%
Rates are subject to market change. Lock yours in today.
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Full Banking Suite

Everything a bank does. But better.

Virtual & Physical Cards

Get a free virtual card instantly. Order a premium metal card. Freeze, unfreeze, and set spending limits — all from the app.

Multi-Currency Accounts

Hold 30+ currencies at interbank rates. Spend abroad with zero conversion fees.

Instant Transfers

Send money to anyone, anywhere in seconds. Free transfers between all Eisenberg Bank users.

Smart Notifications

Real-time alerts for every transaction. Weekly spending reports. Intelligent budget warnings.

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Banking that respects your experience.

We built Eisenberg Bank for people who value clarity, security, and results. No gimmicks. No jargon. Just smarter banking that works for you.

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01

Sign Up

Enter your email, verify your identity with a quick selfie. Done in 90 seconds.

02

Fund Your Account

Bank transfer or card deposit. Your money arrives within minutes.

03

Open a Vault

Choose your tier, set your amount, and start earning from day one.

04

Watch It Grow

Track earnings in real-time. Compound interest works while you sleep.

Security

Your money is safe. We guarantee it.

Swiss banking-grade encryption, biometric authentication, and FINMA-regulated custody. Every deposit dual-protected under Swiss and EU guarantee schemes.

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FAQ

The questions everyone asks.

Short, direct answers. No fine print buried in footnotes.

Is my money actually protected?

Yes. Eisenberg Bank is a Swiss financial institution supervised by FINMA, operating across the EU via banking passport. Your deposits benefit from dual protection: up to CHF 100,000 under Swiss deposit protection (esisuisse), plus up to €100,000 under the EU Deposit Guarantee Scheme via our EU partner bank. Swiss banking standards, now accessible from Germany.

How can Eisenberg Bank pay 8.6% when Germany’s best Festgeld caps at 3%?

Three reasons, all structural: (1) no branch overhead or legacy IT to fund, (2) wholesale access via Tier-1 European asset management partners into short-term sovereign bonds and regulated money market instruments, (3) a thin operating fee instead of the fat spread traditional banks keep. We’re fully audited, fully regulated, and every rate we pay is transparent. Read the full breakdown →

Are Eisenberg Bank vaults Festgeld or Tagesgeld?

All Eisenberg Bank vaults are true Festgeld — your principal is locked for the fixed term (3, 6, or 12 months depending on the tier). What’s different: your accrued interest is spendable every single week via the Eisenberg Bank Card. You get Festgeld-high rates with Tagesgeld-like liquidity on the earnings portion. Nothing else in the German market works this way. See how the Card works →

What’s the difference between the three vault tiers?

Standard (5.2%): 3-month Festgeld, from €5,000. Platinum (7.4%): 6-month Festgeld, from €50,000, with a dedicated account manager. Diamond (8.6%): 12-month Festgeld, from €100,000, with priority support. All three compound interest daily and let you spend accrued interest via the Card weekly.

What happens when my term ends?

At term end you’re in control: roll over at the same rate, top up and upgrade to a higher tier, or transfer the full balance (principal + interest) to your own external bank account in one tap. Transfers are name-matched to your verified identity for safety. See how transfers work →

Can I withdraw my principal early?

Your principal is locked for the term — that’s what makes it Festgeld. What you can do is withdraw your accrued interest to your Eisenberg Bank Card every week and spend it freely. If you need access to the principal in an emergency, contact support and we’ll work with you on a case-by-case basis (typically with a small interest adjustment).

Do I pay taxes on the interest?

Yes — interest income from savings vaults is subject to German capital gains tax (Kapitalertragsteuer) plus solidarity surcharge, with an annual tax-free allowance (Sparerpauschbetrag) of €1,000 per person. Eisenberg Bank provides a year-end tax statement (Jahressteuerbescheinigung) you can hand directly to your tax advisor.

What if Eisenberg Bank fails?

Your deposits are protected by two independent schemes: Swiss deposit protection (esisuisse) up to CHF 100,000, and the EU Deposit Guarantee Scheme up to €100,000 via our EU partner bank. In the event of failure, reimbursement is processed within 7 working days through the relevant guarantee fund, regardless of Eisenberg Bank’s own solvency.

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Swiss banking precision, now available across Europe. FINMA-supervised · EU-passported.

Eisenberg Bank AG · Est. 2014
Bahnhofstrasse 42 · 8001 Zürich · Switzerland
Supervised by FINMA (Swiss Financial Market Supervisory Authority)
EU banking passport · Serving customers in 28 EU/EEA countries

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Deposit protection. Eisenberg Bank AG is a Swiss financial institution supervised by FINMA, operating across the EU via banking passport. Your deposits benefit from dual protection: up to CHF 100,000 under Swiss deposit protection (esisuisse), plus up to €100,000 per depositor under the EU Deposit Guarantee Scheme via our EU partner bank. Deposits exceeding these limits are at risk in the event of bank failure. Rates quoted on this site are subject to change; the rate applicable to your vault is locked at the time of opening for the duration of its term.
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